Home Energy Efficiency


This loan is provided to customers interested in increasing thier houses / apartments energy efficiency (EE). At least 60% of a loan has to be spent on purchasing and installing EE equipment.

Quick Facts

  Minimum loan size

TJS 900 / USD 100

  Maximum loan size

TJS 90,000 / USD 10,000

  Maximum loan size for rural areas

TJS 54,000 / No USD lending in rural areas

  Minimum loan term

3 month

  Maximum loan term

48 months for TJS

36 months for USD


Guarantor is required for loans above TJS 9k. The full financial analysis of the guarantor is required


Collateral is required for loans above TJS 9k.

  Minimum customer contribution

Not required

  Grace period

  (only principal amount)

1 month



  Interest rates in TJS

28% - 35% Interest rates are stated annuall

  Interest rates in USD

18% - 25% Interest rates are stated annually                            

  Early closure

Allowed with the condition to formally report but no penalties as per the NBT requirements.

How to Apply

Interested clients should consult with the nearest branch or banking service centre.

Clients should bring with them the following documents:

 A copy of a valid passport
 Two colour passport size photos
 Tax identification number (TIN)
 A copy of passport for the co-borrower(s) if appropriate
 Tax identification number of the co-borrower(s) if appropriate
 A copy of the technical passport of the property to be purchased
 Ownership certificate of the property
 Certificate of income source from his/her employer
 A copy of employment agreement
 Copy of a valid passport of the guarantor
 Tax Identification Number of guarantor


 Attractive interest rates with the potential for further discount if the customer opens an FMFB deposit account and services their loan through it
 Long loan maturity term allows customers to make home upgrades now while spreading out payment for these purchases over an extended period of time
 Transparent and collaborative loan application process that is rooted in integrity and customer protection principles