Lending products

"Mevai tilloi" (Golden fruit) Credit

This product is presented in the framework of agro crediting and financing of agricultural enterprises and covers Isfara, Kanibadam and Asht regions.

Purpose of the credit: Support of individuals and legal entities who are planning to buy apricot crops or need money in the season of picking crops of apricot trees.


Credit amount is from 1000 to 60 000 TJS

·          Up to 15 000 TJS is issued without pledge and guarantee


Credit term is up to 12 months

·          Preferential period is 6 months


Credit currency:

·          TJS

·          Russian rubles


Monthly interest on credit:

·         Up to 2,1%  is for credits in TJS

·         2%  is for credits in Russian rubles


Period of product validity

·          Annually from May to August


Gather the harvest of golden apricots together with the «Mevai tilloi» credit!




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”. Using it, you can purchase car of any you like, for very favourable conditions. The Bank is ready to pay up to 70% of the car cost with low rates.

Lending conditions:

  • Loan amount is from 500 to 80 000 somoni.

Lending period:

  • Up to 36 months.

Interest rates:

  • From 29% to 26% for TJS

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!

Bank Eskhata: we are getting closer!


Here is special and unique offer for the clients regularly receiving remittances. They are provided loans on very favourable terms:
―    Amount is from 500 to 25 000 Somoni
―    Interest rate for new clients - 28% per annum in TJS 
―    Repeat clients – 27% per annum in TJS  
―    Loan maturity is up to 18 months
―    Pledge security is based on trust, i.e. it goes without any collateral or guarantors!

Long-term cooperation builds trust. We trust our customers!


Additional financing for your shopping!

You are in need, and the payday is still far? Then you can solve your problem using new service fr om Bank Eskhata: overdraft on payment cards!
Overdraft on payment cards is an issuance of short time lending if you lack money on your payment card account. Other words, it is a loan until the payday.

Advantages of the overdraft on payment cards:
―    Sign up the service is easy.
―    No need to draw up papers again and for every time.
―    Overdraft limit depends on the wage amount.
―    Signing up is free of charge!

Necessary documents to sign up the service overdraft:
―    Application
―    Passport copy
―    Wage reference for the last 6 months

Overdraft service terms:
―    Currency – TJS
―    Monthly interest rate – 3.33%
―    Repayment period – 60 days
―    Overdraft lim it – 40% of the monthly wage (for customers working under payroll agreement
―    Overdraft service term is according to the term of the payment card


“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:                                   

·         Amount of loan: from 10 000 up to 50 000 TJS

·         Term: up to 60 months

·         Percent: 24 percent per annum in TJS, 

·         Collateral: real estate, movable property and third-party guarantee.

For the housing construction:

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

·         Term: up to 60 months

·         Percent: 24 percent per annum in TJS, 

·         Collateral: real estate, movable property and third-party guarantee.

For purchase of house:

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

·         Term: up to 120 months

·         Percent: 24 percent per annum in TJS

·         Minimal advanced payment: no less than 30% from the amount of house

·         Collateral: real estate and third-party guarantee

“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 1000  up to 10 000 TJS 30% for new, 29 % for repeated

From  10 001 up to 30 000 TJS 29% for new, 27% for repeated

From 30 001 up to 100 000 TJS 28% for new, 26% for repeated 

Terms of loan: up to 36 months

Collateral security: Guarantor, home property, gold, real estate, equipment, cars, goods in circulation, deposit.

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