Requirements

Financing for individuals for the purchase of goods for personal needs (household appliances, furniture, home renovation, etc.)

  • individuals, residents of RT
  • age from 20 to 63 years
  • no more than 100,000 TJS
  • maximum term: 18 months
  • minimum term: 3 months
  • only in TJS
  • margin / markup:
    • annuity 23%
    • fixed 13.1%

Financing ratio

  • if the cost of goods is up to 10,000 TJS, an initial payment is not required, the security is the product itself or additional collateral *
  • if the cost of the goods is 10,001 - 25,000 TJS, an initial payment of at least 15% of the amount is required, the security is the product itself or additional collateral
  • If the cost of the goods is 25,001 - 50,000 TJS, an initial payment of at least 20% is required, the security is the product itself or additional collateral and a guarantor
  • if the cost of the goods is 50,001 - 75,000 TJS, an initial payment of at least 25% is required, the security is the product itself or additional collateral and a guarantor
  • if the cost of the goods is 75,001 - 100,000 TJS, an initial payment of at least 30% is required, the security is the product itself or additional collateral and two guarantors
     ______________
     *If the goods are perishable, then additional collateral will be required

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"
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