9.2–21%
per year
800K
max amount
10 лет
max term
from 20%
down payment
Description
The first fully digital mortgage in Tajikistan from Freedom Bank. Rate from 9.2% when accumulating a 20% down payment through a bank deposit, up to 21% without savings. Amount up to 800,000 somoni, term from 6 months to 10 years. Application, scoring and biometrics — completely online without visiting the bank. Approval in 3 days instead of the standard 20 days.
Mortgage conditions
- Interest rate
- 9.2–21%
- Loan amount
- up to 800 000
- Mortgage term
- 1–10 yrs
- Down payment
- from 20%
- Payment type
- Annuity
- Early repayment
- Allowed
- Property valuation
- Required
Property types
Apartment Private house / cottage
Insurance
Property insuranceRequired
Life insuranceNot required
Pros & Cons
Advantages
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
Approval in 3 days instead of 20 — the first fully digital mortgage product in the country
Disadvantages
Maximum rate of 21% without savings down payment — only beneficial with prior savings
Borrower requirements
Age
from 18, up to 65 at repayment date yrs
Income proof
Required
Credit history
Checked
Personal documents
Citizen passport Income certificate property_documents
Ипотечный калькулятор
500 000 TJS
100 000 TJS (20%)
10%90%
10 лет
1 лет10 лет
9.2% / год
5 110
TJS / месяц
213 200
TJS переплата
Сумма кредита:400 000 TJS
Взнос:100 000 TJS
Всего выплат:613 200 TJS
9.2–21%
annual interest rate
Amountup to 800 000
Term1–10 yrs
Down paymentfrom 20%
CurrencyTJS
Payment typeAnnuity
Early repaymentAllowed
Bank
Freedom Bank Tajikistan