Advantages
-
up to 4 years -
up to 100 mln UZS -
cash withdrawal without commissions -
high level of approval -
low interest rates
Conditions
| Interest rate |
from 30%* per annum |
| Minimum amount | 30,000,000 UZS |
| Maximum amount | 100,000,000 UZS |
| Debtor/Codebtor | individuals – citizens/residents of the Republic of Uzbekistan, aged from 21 to 60 years, while 60 years is the maximum age on the last working day of the loan term, who have official income for the last 6 months and have a permanent place of work (at least 6 months) in the administrative city/region at the location of the offices of Tenge Bank
|
| Provision form | by transferring funds to the Client's account opened in Tenge Bank |
| Term | from 13 to 48 months |
| Currency | UZS |
| Necessary documents |
|
| Interest rate on expired main debt | 1.5 times, which is calculated on remaining debt of loan |
Notes:
*if the loan amount is from 50 mln to 100 mln UZS; if the loan amount is from 30 mln to 50 mln UZS, the interest rate is 32%;
**the loan amount should not exceed 50% of the fair value of the collateral offered;
**the proposed collateral in the form of a motor vehicle must meet the requirements of the Bank in terms of model, year of manufacture and manufacturer;
**the real estate provided as collateral must be located within the administrative boundaries of the city at the location of the offices of the banking services of the Tenge Bank. Also, all regions of the Tashkent region, Margilan (Ferghana region), Shakhrisabz (Kashkadarya region), Zarafshan (Navoi region) are included.
Total cost of loan (TCL) – debtor’s payments on loan contract, amount and terms of payment which are known by the moment of its conclusion, including payments in favor of the third parties that are identified by contract, if Debtor’s obligation on such payments is under conditions of contract. Total cost of loan is calculated at annual percentage.
- The following Debtor’s payments are taken into account:
- main debt and interest rates,
- in favor of the Bank – creditor, if the Debtor’s obligation on such payments is under conditions of contract and (or) if provision of credit or loan depends on making such payments;
- in favor of the third parties, if debtor’s obligation on such payments is under conditions of contract, including payments:
- in favor of an insurance company, if the Bank is beneficiary under the insurance contract in case of insurance accident;
- in favor of an insurance company while insuring the subject of a pledge by contract, which provides obligations of a client under contract and is located in the use of a pledgor;
- guarantor (sponsor) for obtaining guarantee (sponsorship) as well as appraiser for evaluating a property transferred for collateral;
- in favor of organizations (mediators) that deliver services to the Bank to attract clients, implement verification of provided documents of clients to get credit or loan, accept payment and transfers from the Bank’s clients to the account of credit or loan repayment.
Calculation of TCL value is made by the Bank by the end of contract taking into account all payments which are under the paragraph.
- Calculation of TCL does not include:
- Debtor’s payments in favor of the third parties, excluding payments mentioned in paragraph 1 (see above);
- Debtor’s payments which are connected with noncompliance the terms of contract including forfeit and other types of penalty sanctions;
- payments on credits (loans) which are provided by using the Bank’s credit cards, particularly:
- commissions for implementing operations in a currency that differs from the currency of the account (the currency of provided credit);
- commissions for issuing and serving the Bank card;
- commissions for receiving the sum of credit (loan) by cash with using ATMs.
While calculating TCL, it is rounded to one decimal place. If two decimal places are equal to 5 or above, then one decimal place is increased by one.
Example: The indication of TCL is 18,66%. After rounding it is equal to 18,7%.
Information about total cost of each loan is delivered to debtors before issuing loan contracts in a compulsory order.
Loan calculator
How to get a loan?
-
Подайте заявку
-
Вы получите ответ в течение 3 рабочих дней