Consumer loans for personal and family purposes not related to commercial activities (business): purchasing personal property, home renovation, family events, education, recreation and other consumer purposes. The loan can be obtained by individuals from 21 to 65 years of age who have a stable cash income/wages and no current overdue debt on obligations to financial institutions.


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List of documents provided by the Client to obtain a loan:

• application for a loan (loan application)
• passport;
• salary certificate for at least the last 3 months, or others documents or photos from the place of business/work confirming the presence income and solvency of the Client;

if the Client is married and the total loan amount is over 50,000 soms, the following are additionally provided: marriage certificate, consent of the spouse to receive the loan, copy of the spouse’s passport;
if the registration address and actual place of residence of the Client do not coincide with the data of the UIS “Tunduk”, a certificate from the place of residence or a photo of the place of residence, certified by inspection and signature of a Company employee, is additionally provided.
List of documents to be provided when secured by a guarantee:
statement of consent of the guarantor;
guarantor's passport;
salary certificate for at least the last 3 months, or a photo of the business or other documents confirming the income and solvency of the guarantor.

List of documents to be provided when securing movable and/or immovable property:
title/right certifying documents, as well as registration certificates, acts or inventories;
an extract from the authorized state body registering a particular subject of pledge;
if the real estate has been privatized: a certificate from the authorized organization about the number of registered persons at the time of privatization of the real estate and their notarized consent to provide collateral.
if the mortgagor is not registered in a marriage, when pledging the real estate, a notarized statement from the mortgagor stating that he is single/unmarried.
if the mortgagor is married, when pledging real estate, a notarized statement of consent of the spouse to the pledge along with a copy of the marriage certificate; in case of pledging movable property, a statement of the mortgagor and a statement of consent of the spouse.
Based on legal review, additional documents may be requested.

*Documents for opening a credit line are provided once and are valid for the duration of the credit line agreement; certificates are updated as necessary if the stated data (information) changes by the client.

By credit line:
Minimum term - 1 (One) year;
The maximum term of the credit line is 7 (Seven) years.
For loans:
Minimum period - 3 (Three) months;
The maximum period up to 700,000 soms is 5 (Five) years;
The maximum period from and over 700,000 soms is 7 (Seven) years.