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Microloan “For payroll projects”
Microloan for individuals participating in the payroll project.
Updated: 09-09-2026
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40 000 000 sumsLoan Amount -
from 26%Interest Rate -
up to 48 monthsLoan Term
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| Indicator | Value/Description | |
| Microloan for individuals participating in the payroll project. | ||
| Loan Amount | 40 000 000 (forty million) sums | |
| Loan Term | Up to 48 months; | |
| Grace Period | Not applicable | |
| Lending Form | Funds are transferred to the client’s plastic card opened in the JSC “Garant bank” system. | |
| Minimum Interest Rate on the Loan For employees of budgetary organizations (within the payroll project of JSC “Garant bank”) and individuals participating in the payroll project: | Loan Term | Interest Rate |
| 12 months | 26% | |
| 24 months | 28% | |
| 36 months | 30% | |
| 48 months | 32% | |
| Loan Collateral | At least 125% of the loan amount. The loan guarantee may include a credit default risk insurance policy or third-party guarantee. Loan collateral requirement for individuals affiliated with the bank – 130% | |
| Method of obtaining a loan | Bank office | |
List of Documents Required for Obtaining a Loan
- 1. Loan application;
- 2. Identity document (biometric passport/ID card or new-type driver's license);
- 3. Copy of the passport if a third party acts as a guarantor;
- 4. If necessary, the bank may request additional documents.