HomeMortgages
Mortgages in Tajikistan
Compare mortgage programs from banks — find the best rate and minimum down payment
52offers
Mortgage loans
Showing 20 of 52 offers
Amonatbank
Ипотечный кредит на покупку квартиры
from 14%
per year
up to 100 k
max amount
up to 7 yrs
down from 0%
TJS OnlineSecondary marketApartment
Одна из самых низких ставок на рынке — 14% годовых
Государственный банк с широкой сетью отделений по всему Таджикистану
Amonatbank
Amonatbank Mortgage
16–20%
per year
up to 2 mln
max amount
up to 25 yrs
down from 20%
TJSstandardApartment
From 16%
Up to 25 years
Alif Bank
Khona — Home Financing (TJS)
from 20%
per year
up to 1
max amount
up to 8 yrs
down from 30%
TJS OnlineSecondary marketApartment
Полностью онлайн-оформление — заявка через сайт или приложение Алиф
Нет валютного риска — кредит в сомони для получателей дохода в TJS
Eskhata Bank
Mortgage
from 22%
per year
up to 500 k
max amount
up to 10 yrs
down from 30%
TJS OnlineSecondary marketApartment
Высокая максимальная сумма — до 500 000 TJS
Длительный срок до 10 лет — комфортный ежемесячный платёж
Dushanbe City Bank
Mortgage in USD
from 8%
per year
up to 500 k
max amount
up to 8 yrs
down from 30%
USD OnlineSecondary marketApartment
Одна из самых низких ставок на рынке — от 8% годовых в USD
Быстрое решение по заявке — в течение 48 рабочих часов
Imon International Bank
Manzil Housing Loan
from 25%
per year
up to 200 k
max amount
up to 10 yrs
down from 0%
TJS OnlineSecondary marketApartment
Длительный срок до 10 лет — комфортный ежемесячный платёж
Льготный период в начале кредита — можно платить только проценты
Imon International Bank
Manzil Housing Loan
from 25%
per year
up to 200 k
max amount
up to 10 yrs
down from 0%
TJS OnlinePrimary marketApartment
Financing for housing purchase in both primary and secondary markets
Term up to 10 years reduces monthly payments, making the mortgage more affordable
Investment and Credit Bank of Tajikistan
Housing Purchase Loan
from 18%
per year
up to 1
max amount
up to 10 yrs
down from 0%
TJS OnlinePrimary marketApartment
Rate from 18% — one of the most competitive mortgage rates in Tajikistan
Term up to 10 years and currency choice (TJS/USD) — flexibility to match your capacity
Investment and Credit Bank of Tajikistan
Home Purchase Loan
from 22%
per year
up to 500 k
max amount
up to 10 yrs
down from 30%
TJS OnlineSecondary marketApartment
Ставка от 22% — одна из самых низких среди TJS-ипотеки на рынке Таджикистана
Нет комиссии за обслуживание — 0% на весь срок кредита
Bank Arvand
Mortgage Loan
25–26%
per year
up to 500 k
max amount
up to 10 yrs
down from 0%
TJSSecondary marketApartment
Высокая максимальная сумма — до 500 000 TJS
Досрочное погашение без штрафа — проценты за неиспользованный период не начисляются
Tawhidbank
Murabaha — Housing Purchase
from 0%
per year
up to 1
max amount
up to 1 yrs
down from 0%
TJS OnlinePrimary marketApartment
Без процентов — исламский формат мурабаха, соответствует принципам шариата
Фиксированная наценка — итоговая сумма выплат не меняется в течение всего срока
Freedom Bank Tajikistan
Digital Mortgage
9.2–21%
per year
up to 800 k
max amount
up to 10 yrs
down from 20%
TJS OnlinePrimary marketApartment
Rate from 9.2% when accumulating the down payment — the lowest mortgage rate in Tajikistan
100% digital process — application, scoring, biometrics and approval online without a bank visit
Freedom Bank Tajikistan
Digital Mortgage
9.2–21%
per year
up to 800 k
max amount
up to 10 yrs
down from 20%
TJS OnlineSecondary marketApartment
Самая низкая ставка на рынке — от 9,2% годовых
Полностью онлайн — без визита в банк и без бумажных документов
Spitamen Bank
Mortgage Loan (USD)
13.5–14%
per year
up to 300 k
max amount
up to 15 yrs
down from 20%
USDSecondary marketApartment
Низкая ставка — от 14% годовых в USD, от 13,5% для партнёрских программ
Длительный срок до 15 лет — один из самых долгих на рынке Таджикистана
Spitamen Bank
Mortgage Loan
13.5–22%
per year
up to 300 k
max amount
up to 15 yrs
down from 20%
USD OnlinePrimary marketApartment
Rate from 13.5% under partner program — one of the lowest mortgage rates in Tajikistan
Term up to 15 years and limit up to $300,000 — for purchasing a full apartment or house
Spitamen Bank
Mortgage Loan (TJS)
20–22%
per year
up to 3 mln
max amount
up to 10 yrs
down from 20%
TJSSecondary marketApartment
Высокая максимальная сумма — до 3 000 000 TJS
Без первоначального взноса при залоге свыше 130% от суммы кредита
Development Bank of Tajikistan
Mortgage Loan (TJS)
24–28%
per year
up to 500 k
max amount
up to 10 yrs
down from 0%
TJS OnlineSecondary marketApartment
Длительный срок до 10 лет — комфортный ежемесячный платёж
Высокая максимальная сумма — до 500 000 TJS
International Bank of Tajikistan
Mortgage (TJS)
from 24%
per year
up to 500 k
max amount
up to 3 yrs
down from 0%
TJS OnlineSecondary marketApartment
Высокая максимальная сумма — до 500 000 TJS
Онлайн-заявка с решением по SMS — быстро и удобно
Humo Bank
Mortgage (TJS)
from 30%
per year
up to 250 k
max amount
up to 5 yrs
down from 30%
TJS OnlineSecondary marketApartment
Минимальный пакет документов — паспорт и 2 документа
Онлайн-заявка с предварительным рассмотрением
Humo Bank
Mortgage
from 30%
per year
up to 250 k
max amount
up to 5 yrs
down from 30%
TJS OnlinePrimary marketApartment
Rate 18% in USD — significantly more favorable than 30% in somoni for borrowers with foreign currency income
Loan for property under construction — opportunity to buy an apartment at the early stage at a lower price
How to choose a mortgage in Tajikistan
What to consider when choosing a rate
Compare not only the interest rate but also the down payment, loan term and additional fees. Even a 1–2% rate reduction significantly reduces total overpayment on a long horizon.
Annuity or differentiated payment
With annuity the monthly payment stays the same for the full term — convenient for budgeting. With differentiated payments decrease each month and the total overpayment is lower.