Consumer loans (for the purchase of a vehicle, apartment renovation, tuition payment, event planning, travel):
- Interest rate: In national currency from 20% per annum, in US dollars from 12% per annum
- Loan term: up to 200,000 KGS – 24 months, up to 30,000,000 KGS – 60 months;
- Income verification: required;
- Collateral: real estate (movable property for loans up to 200,000 KGS);
- Additional collateral if needed (guarantor, etc.);
- Loan amount up to 30,000,000 KGS.
- *Effective interest rate in national currency from 21.94%, in US dollars 12.68%
Mortgage lending (for the purchase of real estate or land):
- The client must have at least 40% of the property value in their own funds, and additional real estate may be provided as collateral;
- Interest rate: In national currency from 19% per annum;
- Loan term: up to 60 months;
- Income verification: required;
- Collateral: real estate;
- Additional collateral if needed (guarantor, etc.);
- Loan amount up to 10,000,000 KGS.
- *Effective interest rate from 20.75%
