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Types of loans, terms and conditions:

 

CONSUMER LOANS

 

Consumer loans secured by immovable and movable property

LOANS FOR CHERISHED DREAMS

Consumer loans are issued to individuals upon presentation of a document proving income from permanent employer, for the purchase of: furniture, house repairs, and other consumer needs.

Main benefits:

  • Consideration within 1-3 business days;
  • No fees for review, cash-out and recalculation of the loan schedule.

Loan Terms:

  • Up to 60 months;
  • Under the pledged collateral of the property (documents of entitlement);
  • Reference from place of residence;

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Consumer loans without collateral (against security)

FOR ORDINARY PEOPLE WITH EXTRAORDINARY DREAMS. TAKE OUT A LOAN FROM TOLUBAY BANK AND MAKE YOUR DREAMS COME TRUE

Consumer loans without collateral are issued to individuals and / or public officials upon presentation of a document proving income from permanent employer and guarantees from third parties with obligatory documentary proof of income (guarantor).

Purpose: for the purchase of furniture, house repairs, payment of contracts and other consumer needs.

Main benefits:

  • Consideration within 1-3 business days;
  • No fees for review, cash-out and recalculation of the loan schedule.

Loan Terms:

  • Up to 24 months;
  • Under the guarantee of third parties;
  • Amount of loan from KGS 20,000 to KGS 200,000;

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BUSINESS DEVELOPMENT LOANS

EXPENSES ARE NOT A PROBLEM FOR A BIG INCOME!

 

Loans for business development are issued to individuals with confirmation of the implementation of commercial activities to increase working capital commercial activity of the borrower.

Main benefits:

  • Consideration within 1-3 business days;
  • No fees for review, cash-out and recalculation of the loan schedule.

Loan Terms:

  • Up to 60 months;
  • Under the pledge of immovable and movable property (documents of entitlement);
  • Reference from place of residence;

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MORTGAGE is a key to solve the housing problem

MORTGAGE IN TOLUBAY BANK - IS A SOLUTION YOU ARE READY FOR!



The main advantage of a mortgage is that instead of years of saving up the necessary amount for the purchase of a house, you have the opportunity to live in a new apartment (or house) right away. Moreover, the property purchased with a mortgage is immediately owned by the borrower of the mortgage loan. The borrower and his family members can register in the new house. In addition, mortgages have a number of "advantages": Mortgage borrowers are provided with a property tax deduction, which actually reduces the mortgage interest rate due to the fact that the borrower will not pay income tax for the amount spent on the purchase of a house, and on mortgage interest; long term lending makes mortgage payments are not too large and, therefore, not too burdensome.

Main requirements are as follows: documentary proof of income ( salary, deposits, rental income, other), Kyrgyz citizenship, at least one year of work experience at the one place, ability to provide guarantors for the loan, etc.

Collateral insurance is approximately 0.2% of the property value (depends on the insurance company chosen by the client).

Main benefits:

  • Consideration within 1-3 business days;
  • No fees for review, cash-out and recalculation of the loan schedule.

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