Home Construction / Extension


Home Construction / Extension loans are offered to anyone with a source of income that is sufficient to repay the loan. These loans can be used for construction or extension of an individual house anywhere within Tajikistan.

Quick Facts

  Minimum loan size

TJS 100/ USD 20

  Maximum loan size

TJS 80 000 / USD 16,000

  Minimum loan term

1 month

  Maximum loan term

48 months for USD loans

72 months for TJS loans


Guarantor is required and full financial analysis of the guarantor will be conducted by the bank 


Collateral may be required based on the loan amount with a value of not less than 130% of the loan

  Grace period

  (only principal amount)

1 month


The product is offered in both TJS and USD

  Interest rates in TJS

28%-35%        Interest rates are stated annually   

  Interest rates in USD

18%-25%    Interest rates are stated annually                            

  Early closure

Allowed with the condition to formally report but no penalties

How to Apply

Interested clients should consult with the nearest branch or banking service centre.

Clients should bring with them the following documents:

Х A copy of a valid passport
Х Two colour passport size photos
Х Tax identification number (TIN)
Х A copy of passport for the co-borrower(s) if appropriate
Х Tax identification number of the co-borrower(s) if appropriate
Х A copy of the technical passport of the property to be purchased
Х Ownership certificate of the property
Х Certificate of income source from his/her employer
Х A copy of employment agreement
Х Copy of a valid passport of the guarantor
Х Tax Identification Number of guarantor


Х Attractive interest rates with the potential for further discount if the customer opens an FMFB deposit account and services their loan through it
Х Long loan maturity term allows customers to make home upgrades now while spreading out payment for these purchases over an extended period of time
Х Transparent and collaborative loan application process that is rooted in integrity and customer protection principles