Loan products

Loans for the development of small and medium-sized businesses, replenishment of working capital, purchase of raw materials, equipment for business, etc.

Target group: a capable citizen of the Kyrgyz Republic from 18 to 65 years old

Loan amount: from 15 001 to 1000 000 som

Interest rate:

• from 15 001 to 50,000 som interest rate: 39.8% – 39% -37% per annum;
• from 51,000 som to 100,000 SOM interest rate: 39% – 38% -36% per annum;
• from 101,000 som to 200,000 SOM interest rate: 38% – 37% -35% per annum;
• from 201,000 som to 400,000 SOM interest rate: 37% – 36% -34% per annum;
• from 401,000 som to 600,000 SOM interest rate: 36% – 35% -33% per annum;
• from 601,000 som to 800,000 SOM interest rate: 35% – 34% -32% per annum;
• from 801 000 som to 1000 000 SOM interest rate: 34% – 33%-31% per annum;

Loan period: up to 36 months

Required documents:

• ID card, passport
• Business permits — patent/certificate
• A document confirming the client's income

Target group: a capable citizen of the Kyrgyz Republic from 20 to 70 years old, has stable official sources of income (which can be confirmed by the Social Fund of the Kyrgyz Republic)

Loan amount: from 1,000 to 15,000 SOM

Interest rate: 0.13% per day (49% per annum)

Loan period: up to 6 months

Social loans for treatment and education

Target group: a capable citizen of the Kyrgyz Republic from 18 to 65 years old

Loan amount: from 15 001 to 500 000 som

Interest rate:

• from 15 001 to 50 000 som interest rate: 42% – 41%- 40% per annum;
• from 51,000 som to 100,000 som interest rate: 41% – 40%- 39% per annum;
• from 101,000 som to 200,000 SOM interest rate: 40% – 38% - 36% per annum;
• from 201,000 som to 400,000 SOM interest rate: 37% – 36% -34% per annum;
• from 401,000 som to 500,000 SOM interest rate: 36% – 35% -33% per annum;

Loan term: up to 36 months

Required documents:

ID card, passport

Business permits — patent/certificate

A document confirming the client's income

Loans for construction, reconstruction and repair of real estate (insulation of walls, installation of plastic windows, replacement of roofs, etc.), purchase of building materials and so on.

Target group: a capable citizen of the Kyrgyz Republic from 18 to 65 years old

Loan amount: from 15 001 to 500 000 som

Interest rate:

• from 15 001 to 50,000 SOM interest rate: 39.8% – 39% -37% per annum;
• from 51,000 som to 100,000 SOM interest rate: 39% – 38% -36% per annum;
• from 101,000 SOM to 200,000 SOM interest rate: 38% – 37% -35% per annum;
• from 201,000 som to 400,000 SOM interest rate: 37% – 36% -34% per annum;
• from 401,000 SOM to 500,000 SOM interest rate: 36% – 35% -33% per annum.

Loan term: up to 36 months

Required documents:

ID card, passport

Business permits — patent/certificate

A document confirming the client's income.

Loan sto meet consumer needs: purchase furniture or household appliances, pay for education or go on vacation, for family celebrations, etc.

Target group: a capable citizen of the Kyrgyz Republic from 18 to 65 years old

Loan amount: from 15 001 to 500 000 som

Interest rate:

• from 15 001 to 50 000 som interest rate: 42% – 41%- 40% per annum;
• from 51,000 som to 100,000 som interest rate: 41% – 40%- 39% per annum;
• from 101,000 som to 200,000 som interest rate: 40% – 38% - 36% per annum;
• from 201,000 som to 400,000 som interest rate: 37% – 36% -34% per annum;
• from 401,000 som to 500,000 som interest rate: 36% – 35% -33% per annum.

Loan term: up to 36 months

Required documents:

ID card, passport

Business permits — patent/certificate

A document confirming the client's income.

Loans for the purchase of household appliances and mobile phones

Target group: a capable citizen of the Kyrgyz Republic from 18 to 65 years old

Loan amount: from 15 001 to 150 000 som

Interest rate:

• from 15 001 to 50 000 som interest rate: 42% – 41%- 40% per annum;
• from 51,000 som to 150,000 SOM interest rate: 41% – 40%- 39% per annum;
• from 51,000 som to 150,000 SOM interest rate: 40% – 38%- 36% per annum.

Loan period: up to 36 months

Required documents:

ID card, passport

Business permits — patent/certificate

A document confirming the client's income

Loans are issued to owners of small households, employees of commercial and budgetary organizations, entrepreneurs on the basis of group solidarity and without collateral. Loans are issued both for commercial and consumer purposes: for business development; replenishment of working capital; financing the needs of small households (purchase of equipment, furniture, appliances, improvement of housing conditions, treatment, training, etc.)

Target group: a capable citizen of the Kyrgyz Republic from 18 to 65 years old

Solidarity group: from 3 to 5 people

Loan amount: for new customers (without credit history) 100,000 som

For repeat customers from 15 001 to 200 000 som

Interest rate: from 35% to 39.8% per annum

Loan period: up to 24 months

Required documents:

ID card, passport

Business permits, income statement or patent

A copy of the marriage certificate

Loans for the development of the "green economy": insulation of houses and industrial premises; greenhouse with drip irrigation; drip irrigation system and sprinkler; water intake and collection; pipes and tubes for irrigation; water pumps; solar water heaters; solar dryers; modernization of heating systems; modernization of lighting systems; insulation materials (mineral / glass wool, foam, polystyrene); installation of an "eco" air conditioner; installation of a rainwater collection system; installation of photovoltaic panels for electricity generation; purchase and production of organic fertilizers (vermicompost, peat, etc.); purchase of biogas plants.

Target group: a capable citizen of the Kyrgyz Republic from 18 to 65 years old

Loan amount: from 15 001 to 1000 000 som

Interest rate:

• from 15 001 to 50,000 SOM interest rate: 39.8% – 39% -37% per annum;
• from 51,000 som to 100,000 SOM interest rate: 39% – 38% -36% per annum;
• from 101,000 SOM to 200,000 SOM interest rate: 38% – 37% -35% per annum;
• from 201,000 som to 400,000 SOM interest rate: 37% – 36% -34% per annum;
• from 401,000 SOM to 600,000 SOM interest rate: 36% – 35% - 33% per annum;
• from 601,000 SOM to 800,000 SOM interest rate: 35% – 34% -32% per annum;
• from 801 000 som to 1000 000 SOM interest rate: 34% – 33% -31 per annum.

Loan term: up to 36 months

Required documents:

ID card, passport

Business permits — patent/certificate

A document confirming the client's income.

Target group: a capable citizen of the Kyrgyz Republic from 18 to 65 years old

Credit line amount: up to 1,000,000 som

Interest rate:

• from 15 001 to 50,000 som interest rate: 39.8% – 39% -37% per annum;
• from 51,000 som to 100,000 som interest rate: 39% – 38% -36% per annum;
• from 101,000 som to 200,000 SOM interest rate: 38% – 37% -35% per annum;
• from 201,000 som to 400,000 SOM interest rate: 37% – 36% -34% per annum;
• from 401,000 som to 600,000 SOM interest rate: 36% – 35% 33% per annum;
• from 601,000 som to 800,000 SOM interest rate: 35% – 34% - 32% per annum;
• from 801 000 som to 1000 000 SOM interest rate: 34%- 33% -31% per annum.

Credit line period: up to 36 months

Required documents:

ID card, passport

Business permits — patent/certificate

A document confirming the client's income