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 24%
• fixed 13.7%

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"