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Personal banking Loans Consumer loan

Consumer loan

affordable interest rate

24%

interest rate available

up to 24 months

loan period

up to 70,000 TJS

maximum loan amount
Consumer loan

Advantages

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Only 2 documents

only passport and salary certificate are required
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Fast approval

Apply without leaving home and wait for the result
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Convenient payment

at offices, terminals and via mobile application

Three steps to get a loan

1

Fill out the questionnaire

Fill in your information on the website or at one of our banking service points
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2

Wait for confirmation

Loan application approval usually takes 24 to 72 hours
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3

Get money

You can receive money at our banking service points
Make a request
Terms of the loan offerarrow

Currency 

Foreign currency - US dollar

National currency - TJS

Loan amount

from 100 USD and above

from 1,000 TJS and above

 

Type of payment 

annuity

Advance payment

10%*

Collateral

flexible collateral system*

Guarantor  

one or two guarantors required*

 * In order to receive a loan without prepayment, you must provide collateral, the cost of which covers 130% of the amount of the requested loan. If 110% of the collateral is provided, the advance payment will be considered 10%.

* The number of guarantors and collateral depends on the amount of the requested amount.

up to 30,000 TJS  without a guarantor.

from 30,001 TJS to 50,000 TJS – witness.

from 50,001 TJS to 70,000 TJS –1 guarantor.

more than 70,000 TJS – collateral/pledge in the form of movable or immovable property.


Loan interestarrow

As part of the promotion, interest is valid until December 31, 2024

When placing a request with TJS:

The first loan

Repeat loan    

 24% per annum *

When placing a request in US dollars:

The first loan

Repeat loan    

 14% per annum *

Loan interest rate for the amount from 1,000 to 299,000 – 24% per annum

Loan interest rate for the amount from 300,000 to 499,000 – 22% per annum

Loan interest rate for the amount from 500,000 and more – 20% per annum

* Changes in foreign exchange rates may affect loan repayments

Required documentsarrow

passport of a citizen of the Republic of Tajikistan;

taxpayer identification number (TIN);

one of the documents confirming the source of income: - Salary certificate (for the last 6 months);

- certificate of state registration of activity / Patent;

Borrower requirements: - Citizen of the Republic of Tajikistan;

- Age not less than 18 and not more than 65 years old;

Where can I see my loan payment schedule?arrow
The loan payment schedule can be understood from the bank's loan specialist, and can also be found in the Spitamen Pay application and your loan agreement.
What happens if I don't pay the loan on time?arrow
  • In case of non-payment of the loan amount on time, the "Borrower" shall pay a penalty of 0.2% (zero and two percent) of the principal amount of the delayed payment for each day.
  • In case of non-payment, the loan will be recovered from the guarantors in accordance with the agreement
  • In case of non-payment of the loan, information about the loan will be transferred to the credit information bureau of Tajikistan
In what case does the bank take other property of the borrower as collateral?arrow
In the event of a decrease in the value of property offered as collateral, the Bank may require additional collateral, depending on the type of collateral, as follows:
  • Real estate - more than 30%
  • Movable property - more than 50%
  • Property (gold items) - 10%
What is a credit history?arrow
A credit history is a file on a borrower that indicates how many loan applications person has submitted and how many of them have been approved, which banks he has applied to, whether he is prone to delinquency in repayment of a debt, if he has ever acted as a guarantor or co-borrower and other information that may be important for banks.
The credit history is replenished every time when borrower performs any actions in relation to the loan: sends an application to the bank, receives a refusal or approval, makes a monthly payment on time or delays payment, closes the debt ahead of schedule or at agreed time. Banks collect such information and send to credit bureaus, which keep records of each borrower for at least ten years.
Is there a fee in case of early repayment of the loan?arrow
In case of early full repayment of the loan, no additional payment for unused months is charged. Only the principal amount is paid.
Mortgage from partnersarrow
Special Mortgage Mortgage from Spitamen Bank in partnership with CC Avicenna

Spitamen Bank and CC Avicenna offer special conditions for the purchase of housing in the capital of Tajikistan at 12% per annum, in the elite new buildings of the company Avicenna (http://avicenna.tj/). 

 

  Loan amount   from 1 000 tо 300 000 USD
  Interest rate     12% p.a.
  Maturity   from 3 tо 120 months
  Collateral   property to be purchased    
  Client's own funds   min. 30% of the price of purchased real estate
  To whom   private individuals, citizens of the Republic of Tajikistan   
  Guarantor   not required 

Mortgage from Spitamen Bank in partnership with CC OJSC “Global Group”

Mortgage from Spitamen Bank in partnership with CC OJSC “Global Group”  (http://globalgroup.tj/) – an opportunity to purchase an apartment in the 17-floor residential complex that is under construction. 


Conditions for obtaining the mortgage loan:

Loan amount from 1 000 tо 300 000 USD
Interest rate    12% p.a.
Maturity from 3 tо 120 months
Collateral property to be purchased
Client’s own funds min 30% of the property price
To whom private individuals, citizens of the Republic of Tajikistan
Guarantor not required

Mortgage from Spitamen Bank in partnership with IC “A & R Construction”

Buying your own home with a mortgage in recent years has become one of the most popular ways to solve the housing problem. Do not put off until later the realization of the dream of your own apartment in a new building!

Spitamen Bank does everything to make it convenient and affordable to issue a mortgage and, in partnership with another developer-SK "A & R Construction" (http://arc.tj/), offers its clients favorable conditions for mortgage loans for the purchase of apartments in two modern residential complexes of elite class.

A mortgage from Spitamen Bank for the purchase of apartments under construction in residential complexes from IC "A & R Construction" is provided under the following conditions: 

Amount from 1000 to 300,000 US dollars
The interest rate 12% p.a
The loan term  from 3 to 120 months
Collateral security Available real estate, jewelry, or a deposit in Spitamen Bank
Availability of own funds min. 30% of the value of the purchased property
To whom individuals, citizens of the RT
Surety not required



Mortgage from Spitamen Bank in partnership with "Sebiston-2018" СC (Construction Company)

In recent years, buying your own home with a mortgage has become one of the most popular ways to solve housing problem. Do not put off until later to realize dreams of your own flat in a new building!

Spitamen Bank is doing its best to make it convenient and affordable to apply for a mortgage, in partnership with another developer “Sebiston-2018” CC, offers customers favorable conditions for mortgage loans to purchase flats in two modern residential complexes of an elite class.

A mortgage from Spitamen Bank to purchase flats under construction in residential complexes from "Sebiston-2018" CC is provided on the following conditions:

Amount from 1000 to 300,000 US dollars
The interest rate 12% p.a
The loan term  from 3 to 120 months
Collateral security Available real estate, jewelry, or a deposit in Spitamen Bank
Availability of own funds min. 30% of the value of the purchased property
To whom individuals, citizens of the RT
Surety not required



Mortgage from Spitamen Bank and construction company "PULODI PLAZA"

CJSC "Spitamen Bank" increased number of partners - developers and signed another cooperation agreement with the developer PULODI PLAZA.

According to the agreement, “Spitamen Bank” and “PULODI PLAZA” offer special conditions to purchase a flat in the capital city of Tajikistan in elite new buildings of the company.

Amount from 1000 to 300,000 US dollars
The interest rate 12% p.a
The loan term  from 3 to 120 months
Collateral security Available real estate, jewelry, or a deposit in Spitamen Bank
Availability of own funds min. 30% of the value of the purchased property
To whom individuals, citizens of the RT
Surety not required


Mortgage from Spitamen Bank and LLC "Usto Nabot"

Today Spitamen Bank introduces another partner –“Usto Nabot” Construction company. Spitamen Bank and "Usto Nabot" offer special conditions to purchase a flat in Hissor city in elite new buildings of the company.

Amountfrom 1000 to 300,000 US dollarsThe interest rate12% p.aThe loan term from 3 to 120 monthsCollateral securityAvailable real estate, jewelry, or a deposit in Spitamen BankAvailability of own fundsmin. 30% of the value of the purchased propertyTo whomindividuals, citizens of the RTSuretynot required

Amount from 1000 to 300,000 US dollars
The interest rate 12% p.a
The loan term  from 3 to 120 months
Collateral security Available real estate, jewelry, or a deposit in Spitamen Bank
Availability of own funds min. 30% of the value of the purchased property
To whom individuals, citizens of the RT
Surety not required


Mortgage from Spitamen Bank and "Bakht 2005" company

Consider customers interest in mortgage loan, Spitamen Bank seeks to cooperate with leading developers and announces a new partner in mortgage lending - LLC “Bakht 2005” Construction Company. Spitamen Bank and Bakht 2005 offer special conditions to purchase a house in the capital city of Tajikistan in elite new buildings of the company.

Amount from 1000 to 300,000 US dollars
The interest rate 12% p.a
The loan term  from 3 to 120 months
Collateral security Available real estate, jewelry, or a deposit in Spitamen Bank
Availability of own funds min. 30% of the value of the purchased property
To whom individuals, citizens of the RT
Surety not required



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