13.5–22%
per year
300K
max amount
15 лет
max term
from 20%
down payment
Description
Spitamen Bank mortgage for housing purchase. Rate from 13.5% in USD (partner programs) and from 22% in TJS. Maximum $300,000 or 500,000 somoni. Term up to 180 months (USD) or 120 months (TJS). Down payment 20%. Repayment with no early closure commission.
Mortgage conditions
- Interest rate
- 13.5–22%
- Loan amount
- 1 000 – 300 000
- Mortgage term
- 1–15 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 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
Disadvantages
20% down payment and real estate collateral required — significant own funds needed
Borrower requirements
Age
from 18, up to 65 at repayment date yrs
Income proof
Required
Credit history
Checked
Personal documents
Citizen passport Income certificate Employment certificate property_documents
Ипотечный калькулятор
500 000 TJS
100 000 TJS (20%)
10%90%
10 лет
1 лет15 лет
13.5% / год
6 091
TJS / месяц
330 920
TJS переплата
Сумма кредита:400 000 TJS
Взнос:100 000 TJS
Всего выплат:730 920 TJS
13.5–22%
annual interest rate
Amount1 000 – 300 000
Term1–15 yrs
Down paymentfrom 20%
CurrencyUSD
Payment typeAnnuity
Early repaymentAllowed
Bank
Spitamen Bank