Questions and answers

Frequently Asked Questions
Money transfer:

1. What information is required for receiving the transferred money?

1. Transfer code (how many digits)
2. Full name of the recipient
3. Which country is it transferred from
4. Amount of transferred money

1. Which documents are required for receiving the transferred money?

1. the document that proves the identity (passport) 

1. Which documents are required for transferring the money?

1. the document that proves your identity and the Taxpayer’s Identification Number

1. The most convenient system for transferring money from Tajikistan.

1. Western Union, Contact, Migom, Unistream….

1. The time space for receiving transferred money from other countries.

1. from 10 minutes to 3 hours

6. Is transferring and receiving money from /to all countries possible?

1. Yes, it is possible.

Crediting

1. Who has the right to get credit from the bank?

1. Natural persons and legal entities – residents of Republic of Tajikistan.

1. What documents are required for getting credit?

For legal entities

- Application of the legal entity for getting credit, indicating its sum, terms and the purpose;
- Copies of the documents which prove the organization to be a legal entity;
- Copies of the documents registered by the statistics organs;
- Sample copy of signatures of the leaders of the organization;
- Document from tax officials about absence of indebtedness before the budget;
- Copy of Taxpayer’s Identification Number;
- Report on financial activities of organization, on its incomes and losses that is approved by tax committee;
- Forecast of the entrance of the monetary funds;
- Business-plan of the client, in the free form which defines the ways of repayment of he credit and credit interests;
- Copies of the passports of the official leaders of organization (director and chief accountant);
- Description of suggested mortgaging or other kind of security on the requested credit;
- Certificate from MBTI (Municipal Bureau of Technical Inventory) about the right of property;
- Questioner (for director and chief accountant);
-1 photo of the director of 3x4 or 4x5 size;
- Document from the place of permanent residence including the information about the family members (director and chief accountant);
- When and if necessary bank can require for additional information or documents.

For natural persons

1. Application for getting credit, indicating its sum, terms and the purpose;
2. Patent for carrying out any commercial activity;

-      Document from tax officials about absence of indebtedness before the budget;
-      Copy of Taxpayer’s Identification Number;
-     Business-plan of the client, in the free form which defines the ways of repayment of he credit and credit
interests;

1. Copy of the passport of the person who applies for getting credit;

-    Description of suggested mortgaging or other kind of security on the requested credit;
-   Certificate from MBTI (Municipal Bureau of Technical Inventory) about the right of property;
-   1 photo of 3x4 or 4x5 size;
-   Document from the place of permanent residence including the information about the
family members;

1. When and if necessary bank can require for additional information or documents;

1. For how long period can the credit be taken?

From 1 to 12 months.

1. Type of credit?

1. cash or non cash with an opportunity of converting into the currency of the country where the

       payment is addressed.

1. Procedure of repayment of the credit?
2. as per the schedule, according to the conditions of the credit contract.
3. Procedure of interests’ payment?

        -    Monthly, on the day assigned in the contract. 

 Deposits:

1. What is the initial sum of the deposit for opening an account?
2. 10 somoni, 5 USD, 5 Euros or 100 Russian rubles;

1. Can the depositor receive his money back after the term of the deposit is elapsed?

- Yes, they can do it any time.

1. Does the bank give any document during opening the deposit account?
2. Yes, they are provided with the savings-bank book.

1. Is the contract between the bank and depositor signed during opening savings account?

- Yes, during opening an account the contract is signed both from the bank side and from the side of the customer.