Documents required for loan obtaining:

1. Borrower’s passport, passport of his/her spouse, marriage certificate (if available);
2. Guarantor’s passport;
3. Borrower’s and guarantor’s local municipal statement of residence;
4. Data on a borrower, a borrower’s spouse, a guarantor from “Ishenim” Credit Information Bureau;
5. Statement of borrower’s employment for recent 6 months;
6. Documents, confirming solvency of family members, guarantor (statement of employment for recent 6 months, permissive documents for business conduction, etc.)

Lending terms:

1. Loan amount from 20,000 soms to 100,000 soms;
2. Loan period from 3 to 12 months;
3. Interest rate: for new borrowers – 2.966% per month (35.60% p.a. by annuity method of calculation);
4. Collateral: Up to 50,000 soms – surety of one person, more than 50,000 soms – surety of 2 persons;
5. Minimum and maximum effective interest rate: 46.18% - 55.48%.