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;
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;
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;
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.
