Credits

Consumer credit «JDU»

6% per annum

Interest rate

Up to 60 months

Credit term

Up to 300 base rates

Loan amount

General terms

Loan target

Loans are available to individuals with a regular, officially documented income to finance their studies at Japan Digital University under a tuition fee agreement

Loan currency

Sum

Loan amount

Up to 300 base rates

Interest rate

6% per annum

Credit term

Up to 60 months

Loan processing method

Bank branch

Collateral

- For loans not exceeding 100 times the Base Calculation Amount (BCA): collateral of at least 125% of the loan amount, in the form of a third-party guarantee, an insurance policy, or other liquid collateral meeting the Bank’s requirements. - For loans exceeding 100 times the Base Calculation Amount (BCA): A pledge of liquid assets with a value of at least 62.5% of the required collateral amount, in accordance with the Bank’s requirements. A third-party guarantee or an insurance policy covering at least 62.5% of the required collateral amount, in accordance with the Bank’s requirements.

Grace period

yes (up to 48 months)

Repayment method

Differentiated, Annuity

Frequency of payments

Monthly

Borrower requirements

A natural person who is a resident of the Republic of Uzbekistan and has reached the age of 18

Loan Provision Order

By transferring the tuition fee to JDU’s main demand deposit account.

Required Documents

A) Identity document (passport, residence permit, etc.);
B) Proof of income: - A certificate of salary and other equivalent payments received over the last 12 (twelve) months, indicating the taxes withheld and deductions made. Other documents and certificates confirming a regular income in monetary form may also be provided;
C) Documents securing loan repayment;
D) Tuition Fee Agreement concluded with JDU.

Loan Service Fee

None

Additional Conditions

- The Borrower’s/Co-Borrower’s individual net income must be at least six times the Base Calculation Amount (BCA). - 50% of the Borrower’s/Co-Borrower’s average monthly net income must be sufficient to cover the maximum monthly loan repayment, as well as the average monthly payments on existing loans and other credit facilities. - The Guarantor’s income shall be assessed separately in accordance with the above requirement.