Our Products :: Individual Lending

The individual lending program is primarily designed for members of solidarity groups whose business needs outgrew the limits of the group. New clients, who have their own business and need credit, can also receive an individual loan. Individual lending is based on standard procedures used by other banks.

For individual credit, the client's business potential and his or hers credit history is evaluated. The main difference for individual loans is that the client is required to put up physical collateral - that can range from real estate to other valuables, such as jewelry - instead of relying on a solidarity guarantee.

Potential clients planning to take out a loan go through the mandatory introductory seminar, where they receive accurate and extensive information about the credit procedures and policies. This seminar is offered free of charge and is an important step in the credit process of "Humo and Partners, LLC".

"HUMO and Partners, LLC" offers the following types of individual loans:

Credit For Raising Animals

Credit for raising animals provides the borrowers with capital to raise or breed animals, along with any veterinary costs that may follow. The loan can be used for animals such as: goats, sheep, birds, cows and rabbits.

Guarantee: Physical collateral
Amount: From 1,700 to 50,000 TJS
Loan Duration: From 3 to 18 months

Conditions for receiving the loan:

Necessary documents:

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Business Credit

Credit for business expansion can help borrowers to increase their working capital. These loans can be used for the following activity: retail trade, manufacturing, transport and services.

Guarantee: Physical collateral
Amount: From 1,700 to 50,000 TJS
Loan Duration: From 3 to 18 months

Conditions for receiving the loan:

Necessary documents:

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Agricultural Credit

This type of credit allows borrowers to use the extra capital for agricultural reasons, as well as to purchase seeds, fertilizers, pesticides and fuel.

Guarantee: Physical collateral
Amount: From 1,700 to 50,000 TJS
Loan Duration: From 3 to 18 months

Conditions for receiving the loan:

Necessary documents:

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Consumer Credit

This type of credit allows the client to acquire household goods, TVs, computers or other equipment. Loans can also be given for current or upcoming home renovations or for important family events/celebrations.

Guarantee: Physical collateral
Amount: From 1,700 to 50,000 TJS
Loan Duration: From 3 to 18 months

Conditions for receiving the loan:

Necessary documents:

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Parallel Credit

Organization offers parallel loans for their active clients, who are are lacking the necessary funds during their peak season. These types of loans give the client an opportunity to receive a parallel credit prior to fully paying off the original loan.

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