Car loan "Hamsafar"

  • Loan amount - up to 20,000 US dollars or equivalent in other currencies
  • Loan term - from 3 to 36 months
  • Loan currency - Somoni, US dollars
  • Interest rate - Somoni 27%, US dollars 16% per annum
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FEATURES AND BENEFITS

PURCHASE A CAR ON FAVORABLE CONDITIONS

0%

Comission

According to current tariffs

Quick loan processing

Loans are provided in a short time

Profitable terms

Individual and flexible approach to each client

Loan terms

Loan purpose: To purchase a vehicle
Amount: up to 20,000 US dollars or the equivalent in TJS, but not higher than 80% of the amount of the purchased car
Loan Currency: Somoni, US dollars
Срок: from 3 to 36 months.
Prepayment: Permitted
Type of loan: Cash, non-cash
Interest rate: Somoni 27%, US dollars 16% per annum
Credit repayment method: Annuity payments (monthly in equal installments). Down payment of 20% of the loan amount. In some cases, a preferential payment schedule is formed.
Commission: 0%

REQUIREMENTS FOR BORROWER AND GUARANTOR

Borrower: Citizen of the Republic of Tajikistan
Возраст: From 20 to 63 years old (for women under 58 years old)
Place of work of the borrower: Employees of state institutions and private companies with a stable financial situation.
Work experience of the borrower at the last place of work: Not less than 6 months
Required documents:
  • A copy of the passport of the borrower and the guarantor indicating the place of residence;
  • Copy of TIN (if not indicated in the passport);
  • Copy of the work book;
  • A certificate from the place of work of the borrower and guarantor of salary;
  • Written confirmation of the taxi fleet;
  • Copy of driver’s license;
  • Patent / Certificate of PE with receipts of tax payment of the last 3 months (for private entrepreneurs);
Special conditions:
  • For repeat borrowers who have a good credit history, an application up to 15,000 TJS is considered without collateral and guarantor.
  • For repeat borrowers who have a good credit history, an application up to 20,000 TJS is considered with only one guarantor.
  • For borrowers who take a loan for the first time, an application of up to 15,000 TJS is considered with one guarantor and with two guarantors from 1,5001 to 30,000 Somoni.
  • For applications over 30,000 TJS, real estate, gold items, deposit, movability (car) are accepted as collateral.

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An example of calculating loan conditions is for informational purposes only and is not a public offer

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Information Transfer Terms

I agree for the Bank to process all my personal data specified in the contract by any means, including third parties, reproduction, electronic copying, depersonalization, blocking, destruction, as well as the above processing of my other personal data obtained as a result their processing, with the aim of:

  • conclusion of a universal agreement with the Bank;
  • issuing, servicing bank cards;
  • creating information systems for personal data of the Bank;
  • insurance of my life / health / property and other insurance carried out with the assistance of the Bank or in favor of the Bank and / or in connection with the conclusion of the contract;
  • as well as for any other purposes directly or indirectly related to the issue and maintenance of bank cards and the offer of other products of the Bank, and sending me information about new products and services of the Bank and / or its counterparties.

I agree for the Bank’s counterparties to process all my personal data available to the Bank and / or the Bank’s counterparties, including for the purpose of informing me about the services of the counterparties, as well as to the processing of information about subscribers and the communication services rendered to them (in case of if the Bank’s counterparty is a telecom operator) in order to assess the likelihood of my solvency in the future to decide on the issue of a credit card.

This agreement is given for a period of 15 years, and in the event of its withdrawal, the processing of my personal data must be stopped by the Bank and / or third parties and the data is destroyed subject to termination of the Agreement and full repayment of the debt under the Agreement no later than 1 (one) year from the date termination of the Agreement.