Description
Humo mortgage for purchasing an apartment in a building under construction or completed building in Dushanbe and Khujand. Rate 30% in somoni or 18% in US dollars. Amount from 40,000 to 250,000 somoni (or USD equivalent), term up to 60 months. Down payment at least 30% of the property value. Collateral — the purchased real estate.
Mortgage conditions
- Interest rate
- от 30%
- Loan amount
- 40 000 – 250 000
- Mortgage term
- 1–5 yrs
- Down payment
- from 30%
- 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 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
Disadvantages
Rate 30% in TJS and 30% down payment — one of the most expensive mortgage products on the market
Available only in Dushanbe and Khujand — limited geography for regions
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 лет5 лет
30% / год
10 545
TJS / месяц
865 400
TJS переплата
Сумма кредита:400 000 TJS
Взнос:100 000 TJS
Всего выплат:1 265 400 TJS
от 30%
annual interest rate
Amount40 000 – 250 000
Term1–5 yrs
Down paymentfrom 30%
CurrencyTJS
Payment typeAnnuity
Early repaymentAllowed
Bank
Humo Bank