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Mortgage for home purchase and construction

up to 12.5 million KGS

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Interest rate from 18% per annum

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Loan amount up to 12.5 million KGS

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Loan term up to 10 years

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Down payment from 20% of the property value

Mortgage calculator

Property value
6 000 000c
250K12,5M
Down payment
1 200 000c
0K6M
Loan term
36mth
6 mo10 years

*EPAR from 19.44% per annum in KGS. Preliminary mortgage calculation. Not a public offer.

Monthly payment

173 531,5 c

Total amount

6 247 133,95 c

Loan term

36 mth

Mortgage terms and conditions

Loan amount
250,000 to 12.5 million KGS
Loan term
from 6 months to 10 years
Interest rate
18% for the first 3 years 21.5% for the remaining term
Down payment
from 20%
No down payment option
available with additional collateral
Borrower age
18 to 70 years
Early repayment
no restrictions
Insurance
required for loan amounts exceeding 4.25 million KGS for loan amounts exceeding 4.25 million KGS

Mortgage purpose

  • list-iconapartment or house purchase
  • list-iconhouse construction
  • list-iconcompletion of construction
  • list-iconmajor home renovation
  • list-iconpurchase of land for construction

Primary collateral

  • list-iconpurchased real estate
  • list-iconexisting real estate
  • list-iconcommercial real estate
  • list-iconland plots
  • list-iconfunds in a bank account

Additional collateral

  • list-iconvehicles
  • list-iconagricultural land
  • list-iconlong-term lease right

Eligibility

  • list-iconcitizens of the Kyrgyz Republic and foreign residents
  • list-iconsalaried employees
  • list-iconindividual entrepreneurs

*Additional collateral may be required if the primary collateral value is insufficient.

Required documents

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Passport

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Income certificate for the last 3–12 months

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Bank statement showing regular inflows

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Marriage certificate and notarized spousal consent

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Documents for pledged property

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Marriage certificate and notarized spousal consent

Promotion valid from March 9, 2026. EPAR from 19.44% per annum in KGS. The Bank reserves the right to request additional documents depending on the applicant’s type of activity.