Khona
                                    
Features: Executed with the purpose of enabling Depositor to obtain from «Agroinvestbank» mortgage credit on concessionary terms.
Recommended:  Exclusively to physical persons for procurement or construction of a house.
Initial contribution of funds on the complex product «Khona» in various currencies is set in the amount of not less than 500 units of account’s currency (in Russian roubles - 5 000 roubles). Periodicity of paying in funds for renewing the account is: monthly not more than 1 000 units, but not less than 50 unites of the account’s currency.
Interest rate of the loan depends on the level of refinancing rate set by the National Bank of Tajikistan at the current date – 3 % annual. Interest rate on the deposit is floating and depends on the refinancing rate. Term of depositing for the current deposit is not less than 3-years.
On the complex product «Khona» method of interests’ capitalization is used, that is every year after deducting taxes, charged interests are applied to increase of the account’s balance.  
In compliance with the above mentioned conditions, if Depositor wishes «Agroinvestbank» offers preferential loan for procurement or construction of a house. The amount of this credit is equivalent to the amount of the account’s balance on the day of closing the deposit account. The interest rate of the loan depends on the level of refinancing rate set by the NBT for the current date + 10% annual with the term of loan use up to 5 years. Interest rate on the loan is floating and depends on the level of refinancing rate.