As micro credits in SSB RT “Amonatbonk” are considered the loans of the limited volume i.e. the loans the sum of which is equivalent to 1000 US dollars.
The main documents which are required for receiving micro credit:
- An application of the borrower for receiving the credit with the indication of the purpose of receiving the credit, its sum and the term;
- Document from the place of permanent residence including the information about the family members;
- Certificate or the patent of entrepreneurial activity;
- Copy of the passport proving the identity of the borrower;
- Business-plan of the client, in the free form meeting the statutory requirements
- Questionnaire of the borrower filled in the form established by bank
- Description of suggested mortgaging or other kind of security on the requested credit
- 1 photo of the borrower of 3x4 or 4x5 size
Micro credits, the sum of which is equal to 500 US dollars, will be provided under the guarantee of the third party.
In the capacity of the warrantor the individuals who have a permanent place of work and/or real sources of income can stand. In such cases, a document from the place of permanent residence and a Salary Verification Certificate from the place of work indicating a monthly salary and the copy of the passport are required.
The process of consideration of the application for credit will take up to 7 working days.
Micro crediting conditions:
Requirements to the borrower
- any individual- resident of Republic of Tajikistan
- availability of the Taxpayer’s Identification Number proving legality and the status of the person;
The size of the credit: up to the sum equivalent to 1000 US dollars.
Term of the credit: from 1 to 12 months.
Currency of the credit: in national currency or in US dollars.
The form of the credit: cash or non-cash, with an opportunity of converting to the currency of the country where payment is addressed
Procedure of payment of the basic sum of the credit: at the will of the borrower, according to the conditions of the credit contract.
Procedure of interest payment: monthly, on the day assigned in the credit contract.
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”
