Documents required for loan obtaining:

1. Borrower’s passport, passport of his/her spouse, marriage certificate (if available);
2. Guarantor’s passport;
3. Borrower’s and guarantor’s local municipal statement of residence;
4. Data on a borrower, a borrower’s spouse, a guarantor from “Ishenim” Credit Information Bureau;
5. Permissive documents for the borrower’s business (MANDATORY: a patent a rental agreement, a license, an accounting book, etc.);
6. Documents, confirming solvency of family members, guarantor (letter of employment confirmation on wage for the recent 6 months, a patent, a rental agreement, a license, accounting books, etc.)

Lending terms:

1. Loan amount from 30,000 soms to 150,000 soms;
2. Loan period from 3 to 24 months;
3. Interest rate: for new borrowers – 2.966% per month (35.60% p.a. by annuity method of calculation);
4. Collateral: Up to 50,000 soms – surety commitment of one person, more than 50,000 soms – surety commitment of 2 persons;
5. Minimum and maximum effective interest rate: 44.29% - 55.48%.