Multi-purpose Loans
Public Information About Loans
MDO OXUS LLC offers clients various types of loans in accordance with the current tariffs of the organization. Including loans for business and agricultural development, green loans, express loans, consumer loans, unsecured loans, and more.
Repayment Method
All current loans are repaid using the annuity method. The annuity method means repaying the loan in equal monthly installments. The payment period is one calendar month (360 or 365 days).
Penalties
In case of late repayment of the loan amount, a penalty is charged according to the agreement. The penalty is accrued for each day of delay on the total outstanding principal balance.
Credit History
Information is stored in the Credit History Bureau. The client gives consent to provide information or can express disagreement in the application.
Loan Default
In case of late loan repayment, the organization has the right to use the pledged property to secure obligations.
Information Request
You have the right to receive information about the loan balance, accrued interest, and penalties verbally or in writing.
Interest Rate
The percentage expression set in relation to the loan for a specific period of its accrual.
Warning on Foreign Exchange Risks
Please be advised that when obtaining a loan in foreign currency, exchange rate fluctuations can directly affect your loan payments and expenses.
Effective Annual Interest Rate
The effective annual interest rate is the percentage expression according to which the loan interest is calculated taking into account all loan service payments made by the client to the credit organization.
Calculated by the following equation:
IRR Formula:
Repayment Schedule Calculation Example
| No. | Payment Date | Principal (TJS) | Interest & Services (TJS) | Total Payment (TJS) | Loan Balance (TJS) |
|---|---|---|---|---|---|
| 1 | 20.09.2024 | 1,192.82 | 220.00 | 1,412.82 | 15,000.00 |
| 2 | 21.10.2024 | 1,127.47 | 285.35 | 1,412.82 | 13,807.18 |
| 3 | 20.11.2024 | 1,159.23 | 253.59 | 1,412.82 | 12,679.71 |
| 4 | 20.12.2024 | 1,182.41 | 230.41 | 1,412.82 | 11,520.48 |
| 5 | 20.01.2025 | 1,199.17 | 213.65 | 1,412.82 | 10,338.07 |
| 6 | 20.02.2025 | 1,223.95 | 188.87 | 1,412.82 | 9,138.90 |
| 7 | 20.03.2025 | 1,265.07 | 147.75 | 1,412.82 | 7,914.95 |
| 8 | 21.04.2025 | 1,270.96 | 141.86 | 1,412.82 | 6,649.88 |
| 9 | 20.05.2025 | 1,308.83 | 103.99 | 1,412.82 | 5,378.92 |
| 10 | 20.06.2025 | 1,328.70 | 84.12 | 1,412.82 | 4,070.09 |
| 11 | 21.07.2025 | 1,356.16 | 56.66 | 1,412.82 | 2,741.39 |
| 12 | 20.08.2025 | 1,385.23 | 27.70 | 1,412.93 | 1,385.23 |
| Total: | 15,000.00 | 1,953.95 | 16,953.95 TJS | - | |
Good to Know
Client's age from 18 to 65 years. A stable income (salary or business activity) and a positive credit history are required.
Yes, these documents are mandatory for application review.
You can apply online through this website or visit one of our branches with your passport.
After submitting the application, our specialist will contact you. Review usually takes from 30 minutes to 1 working day.
Main reasons: negative credit history in other banks, insufficient income for the monthly payment, or providing false information.