Credits for commercial activity are granted to the natural persons for entrepreneurship, to the borrowers who have their own stable and promising business, have successful work experience, having their own capital available and are able to provide adequate security to the Bank.
The main documents which are required for receiving credit for commercial activity are as follows:
- Application for getting credit with the indication of the sum, term and the purpose of credit;
- Patent for carrying out any commercial activity;
- Certificate from the rating authority close to the permanent place of registration about zero debt before the budget;
- Copies of the Taxpayer’s Identification Number
- The business plan of the client in the free form, describing his business solvency and ability to repay the inquired credit taking into account the monthly added interests for use of the credit;
- Copy of the passport, proving the identity of the client;
- Documents offered to the bank for the security of the inquired credit;
- Certificate from МБТИ about the right of property;
- Questioner
- 1 photo of the 3x4 or 4x5 size
- Document from the place of permanent residence including the information about the family members;
When and if necessary bank can require for additional information or documents. The process of consideration of the applications and decision making will take about 7 days, and can be prolonged up to two months if it is necessary.
Credit requirements for the borrower’s commercial activities
Requirements to the borrower:
- Natural person- resident of republic of Tajikistan
- Taxpayer’s Identification Number proving legality and the status of the person;
The size of the credit: from 3 000 somoni
Term of the credit: from1 to 12 months.
Currency of the credit: in national currency only
The type of the credit, cash or non cash with an opportunity of converting in currency of the country where the payment is addressed.
Procedure of payment of the basic sum of the credit: as per the schedule, according to the conditions of the credit contract
Procedure of interest payment: monthly, on the day assigned in the credit
Credit security: bank guarantee or mortgaging security of property, according to bank valuation.
Commission services on opening and managing the loan account: according to the tariffs of providing services to the clients of SSP RT “Amonatbonk”
