Murabaha - Auto Financing

Financing for individuals and individual entrepreneurs for the purchase of a new or used car

Requirements

• individuals, individual entrepreneurs (residents of the Republic of Tajikistan)
• age from 20 to 63 years
• used cars (produced no more than 13 years ago)
• new cars (produced no more than 5 years ago)
• maximum term: 36 months (for new cars)
• maximum term: 24 months (for used cars)
• financing currency: somoni (TJS), US dollars (USD)
• no more than 1,000,000 TJS
• margin / markup in TJS:
• annuity 25%
• fixed 14%
• margin / markup in USD:
• annuity 13%
• fixed 7.7%

  Down-payment

• Not less than 30% for new cars (from 2017), secured by the car itself or additional collateral
• Not less than 50% for used cars (from 2009 -2017), secured by the car itself or additional collateral

Required Documents

• passport and TIN (if not indicated in the passport)
• document confirming the client's source of income: salary certificate or business activity certificate with receipts of paid taxes for the last 6 months

The loan can be paid

• at the cash desks of Tawhid Bank
• in the Tawhid Pay mobile application
• in the terminals of Tawhidbank partners JSC “Bank Eskhata”, MDO “Dushanbe City” LLC, MDO "Tamvil"