Description
Spitamen Bank «Intikol» loan for clients regularly receiving remittances from abroad. Rate 31% for repeat and 32% for new clients. Amount from 1,000 to 30,000 somoni, term from 3 to 36 months. Transfer statements serve as income proof — no salary certificate needed. «Intikol» means «transfer» in Tajik.
Loan Conditions
- Interest Rate
- 31–32%
- Loan Amount
- 1 000 – 30 000
- Loan Term
- 3 – 3 года
- Payment Type
- Annuity
- Collateral
- Not required
- Guarantor
- Not required
- Early Repayment
- Allowed
- Insurance
- Not required
- Decision Time
- 72 hrs
- Disbursement Methods
- Cash, To card
Pros & Cons
Advantages
Transfer statements as income proof — accessible to labor migrants and their families
Reduced rate 31% for repeat clients — loyalty to regular transfer recipients
Disadvantages
Rate 31-32% — one of the highest in the bank's lineup
Borrower Requirements
Age
from 18 to 65 years
Income Verification
Required
Credit History
Checked
Required Documents
Passport
31–32%
annual interest rate
Amount1 000 – 30 000
Term3 – 3 года
CurrencyTJS
Payment TypeAnnuity
CollateralNot required
GuarantorNot required
Bank
Spitamen Bank