Loan product “Rural Development”
Loan product “Rural Development”
Request for a loan
| The main market | Rural Development Credit products are targeted at individual entrepreneurs and SMEs to support national folk crafts, rural development, and tourism. |
| Minimum amount | 1,000 TJK |
| Maximum amount | 50 000 TJK |
| Minimum term | 3 months |
| Maximum time | 36 months |
| The grace period | According to the credit utilization plan, the first or the middle of the credit schedule is based on the cash flow of the business and seasonal factors for up to 6 months only for the principal amount. |
| Minimum contribution borrower | 30% of the value of non-performing instruments or budget development |
| Guarantee | Guarantee and a complete financial analysis of the guarantee in this product is required in accordance with the debt policy. |
| Pledge | According to the credit policy of the organization |
| Credit interest | annually 25% for businesswomen 26% businessmen |
| Loan repayment | Monthly, equal payments – annuities. |
| Repayment in full or in advance | According to the requirements of the NBT, a fine is not allowed but with the written request. |
| Credit analysis | A thorough analysis of all types of clients is required. |