Lending products

Car loans!

You dream about car for a long time, but lack for money?

Now your dreams about new car get real!

Bank Eskhata introduce new lending product “Car Loans”.  The Bank is ready to pay up to 80% of the car cost with low rates.

Lending conditions:

  • Loan amount is from 10 000 to 300 000 somoni.

Lending period:

  • Up to 60 months.

Interest rates:

  • 24% for car, 22% for electric car

Flexible repayment schedule:

  • When you do early repayment, fee is not charged.


  • Purchased vehicle

The product advantages:

  • Simple system of the collateral
  • No insurance
  • Simplified form of documents
Do not think too much, but proceed and realize your dreams!


“Manzili” (Housing)

Eskhata Bank in partnership with the Ministry of Economic Development and Trade of the Republic of Tajikistan, as well as jointly with the German Development Bank (KfW) in May 2015 introduced a housing finance project, the purpose of which is to facilitate the improvement of housing conditions of the population of the Republic of Tajikistan.


For home renovation and housing construction:                                 

·         Amount of loan: from 10 000 up to 200 000 TJS

·         Term: up to 60 months

·         Percent: 26% per annum in TJS, 

·         Collateral: 100% real estate, gold items, deposit, vehicles

For purchase of house:

·         Amount of loan: from 10 000 up to 350 000 TJS

·         Term: up to 120 months

·         Percent: 26% per annum in TJS

·         Collateral: 125% of real estate

“Manzili” loan - enjoy a beautiful and comfortable life!

Multi-purpose consumer loans

Multi-purpose consumer loans

Do not think, but act and realize your plans!

With multi-purpose consumer loans from Eskhata Bank, your dreams come true!

Loan purpose: Satisfaction of customers' personal needs

Our conditions:

Loan amount: up to 100 000 TJS


From 500  up to 30 000 TJS 30% 

From 30 000  up to 100 000 TJS 29% 

Terms of loan: up to 36 months

Collateral security: Up to 30,000 somoni without collateral and guarantor

                                Over 30,000 somoni - 1 guarantor

Necessary documents: Passport, TIN, employment certification, certificate for those who have income from money transfers, issued by the point of money transfers.