Car credit

If you do not have enough funds to purchase machinery, JSC "Tojiksodirotbank" offers you a loan on the car. Taking credit for our bank, you get the opportunity to sit behind the wheel of your car right now, without postponing the purchase for a long time.

According to our program, "Car loans" You choose the currency of the loan and the loan term (maximum loan term of 3 years). Loan applications are reviewed as soon as possible. You can buy a car in showrooms partner bank and the secondary market.

lending terms

Interest rate in foreign currency (US dollars), and the national currency (TJS) - 24% per annum (with a credit period of up to 3 years).

Fee for service: flat rate - $ 150.

Minimum loan amount: 7000 TJS or 2000 US dollars.

Maximum loan amount: 25 000 USD or the equivalent in national currency.

Down payment: not less than 40% of the value of the purchased vehicle.

Secured Loans: mortgages.

Requirements for borrowers:

• Age from 20 to 60 years;
• Availability of residence in the city of Dushanbe;
• The presence of a source of repayment of the loan.

The package of documents for a loan:

• Application;
• Copies of passport and certificate from the address table on registration;
• Medical certificate of legal capacity of the client;
• A copy of the employment record, certified by the employer;
• Card specimen signature notarized;
• Information form about yourself and relatives (autobiography);
• Certificate of registration with the tax authorities (TIN);
• Pledge Agreement, the transferring (help with MPTI and Tax Inspectorate of those with no debt);
• Information on the net annual earnings, expenses for the year work experience;
• Balances on current and savings accounts, if any;
• Brief credit history related to the individual business.

The procedure for processing the loan:

You will need:

• Select a car;
• Fill in a form and send it to the Bank together with a set of documents;
• After a positive decision by the Bank, to enter into an agreement to acquire the vehicle;
• To conclude a loan agreement, contract of pledge, issue an insurance policy and pay the initial fee.
• By signing all contracts, the Bank will transfer the funds to pay for the car, and you will be able to pick up the car;
• Put on record in the bodies of traffic police car, provide a copy of the passport and the vehicle to the Bank;
• Do not forget every month to repay the loan in accordance with the schedule of payments issued.

We will review your request and make a decision on granting a loan within 24 hours from the time of the full set of documents.
Repayment of the loan is done in equal monthly installments. Loan Interest accrued on the balance of debt, so the more expensive car - the minimum.
Possible early repayment after 6 months without penalty.
Our branch network covers all regions of the Republic of Tajikistan, and therefore you will be able to repay the loan at any convenient branch of our Bank.