Business loans are intended for individual entrepreneurs and legal entities that operate within the territory of the Kyrgyz Republic and have small or medium-sized businesses in the following areas: trade, services, production, processing and other areas.
The requirements for the borrower are simple:
- A borrower must have citizenship of the Kyrgyz Republic;
- A borrower must be at the age of 18 – 70 including (for clients purchasing an insurance policy, the age limit is 73 years inclusive);
- A borrower must have a positive credit score where the potential customer:
The list of documents is minimal:
- Copy of client’s passports, his spouse/her husband, and guarantors (if nessesary);
- Copy of the passport of the pledger and his spouse/her husband (in case of the secured loan);
- Documents concerning the borrower’s marital status;
- Other necessary documents on the customer’s business
Financing conditions:
- Currency: KGS
- Repayment schedule: annuity
- When obtaining a loan with insurance, interest rates are reduced according to the table.
The client has the right to make early full early repayment:
– without paying fines;
— at any time during the term of the Loan Agreement;
— without prior notice to the Company;
– at any office of the Company and / or using any available payment instruments.
The client has the right to make partial early repayment of the loan ahead of schedule:
– without paying fines;
— at any time during the term of the Loan Agreement after written notice of partial early repayment;
– at any office of the Company and / or using any available payment instruments.
Unsecured lending
| Amount | Term | Interest rate | Security |
|---|---|---|---|
| from 10,000 to 500,000 (inclusive) | from 1 to 18 months (up to 150,000 soms)
from 1 to 24 months (from 150,001 to 300,000 soms) from 1 to 36 months (from 300,001 to 500,000 soms) |
10,000 – 500,000 som – 33%
(with insurance 32%) |
Up to 300,000 soms (incl.) – without a guarantor
Over 300,000 soms -1 guarantor
|
Secured lending
| Amount | Term | Interest rate | Security |
|---|---|---|---|
| from 300,000 to 2,000,000 soms | from 6 to 36 months | 30% per annum | Real estate (house, apartment, commercial non-residential premises and facilities, etc.).
Additionally, movable property is accepted if the estimated value of the real estate does not reach the collateral coverage ratio (CLR) |
*Effective interest rate starting from 34,48 – 38,46 %.
*Loan Committee may ask for a guarantee regardless of the loan amount.
Commission for cash services – According to Tariffs for individual services
Agro loan – proceeds under this product can be issued to support and develop agricultural activities: livestock, poultry, beekeeping and fisheries, crop and horticulture, harvesting, and processing of agricultural products.
The requirements for the borrower are simple:
- A borrower must have citizenship of the Kyrgyz Republic;
- A borrower must be at the age of 18 – 70 including (For customers purchasing an insurance policy, the age limit is 73 years inclusive)
- A borrower must have a positive credit score where the potential customer:
The list of documents is minimal:
- Copy of client’s passports, his spouse/her husband, and guarantors (if nessesary);
- Copy of the passport of the pledger and his spouse/her husband (in case of the secured loan);
- Documents concerning the borrower’s marital status;
- Other necessary documents on the customer’s business
Financing conditions:
- Currency: KGS
- Repayment schedule: annuity
- When receiving a loan with insurance, interest rates are reduced according to the table.
Important!
The client has the right to make early full early repayment:
– without paying fines;
— at any time during the term of the Loan Agreement;
— without prior notice to the Company;
– at any office of the Company and / or using any available payment instruments.
The client has the right to make partial early repayment of the loan ahead of schedule:
– without paying fines;
— at any time during the term of the Loan Agreement after written notice of partial early repayment;
– at any office of the Company and / or using any available payment instruments.
Unsecured lending
| Amount | Term | Interest rate | Security |
|---|---|---|---|
| from 10,000 to 500,000 (inclusive) | from 1 to 18 months (up to 150,000 soms)
from 1 to 24 months (from 150,001 to 300,000 soms) from 1 to 36 months (from 300,001 to 500,000 soms) |
10,000 – 500,000 som – 33%
(with insurance 32%) |
Up to 300,000 soms (incl.) – without a guarantor
Over 300,000 soms -1 guarantor
|
Secured lending
| Amount | Term | Interest rate | Security |
|---|---|---|---|
| from 200,000
to 2,000,000 soms |
from 6 to 36 months | 30% per annum | Real estate (house, apartment, commercial non-residential premises and objects, etc.)
Additionally, movable property is accepted if the assessed value of the real estate does not reach the collateral coverage ratio |
*Effective interest rate starting from 34,48 – 38,46%.
*The Credit Committee may ask for a guarantee regardless of the amount of the loan.
Commission for cash services – According to Tariffs for individual services
Loan financing of the value-added chain is intended for farmers who are suppliers of dairy products of our partners “Ak-Bulak Plus” LLC and “Ak-Zhalga” CJSC.
Farmers can use the proceeds received to purchase dairy cows and equipment, build or repair cattle pens and finance other operating needs related to milk production.
The requirements for the borrower are simple:
- A borrower must have citizenship of the Kyrgyz Republic;
- A borrower must be at the age of 18 – 70 inclusive (For customers purchasing an insurance policy, the age limit is 73 years inclusive);
- A borrower must have a positive credit score where the potential customer:
The list of documents is minimal:
- Copy of client’s passports, his spouse/her husband, and guarantors (if nessesary);
- Copy of the passport of the pledger and his spouse/her husband (in case of the secured loan);
- Documents concerning the borrower’s marital status;
- Other necessary documents on the customer’s business
Financing conditions:
- Currency: KGS
- Repayment schedule: annuity
- When obtaining a loan with insurance, interest rates are reduced according to the table.
Important!
The client has the right to make early full early repayment:
– without paying fines;
— at any time during the term of the Loan Agreement;
— without prior notice to the Company;
– at any office of the Company and / or using any available payment instruments.
The client has the right to make partial early repayment of the loan ahead of schedule:
– without paying fines;
— at any time during the term of the Loan Agreement after written notice of partial early repayment;
– at any office of the Company and / or using any available payment instruments.
From the Company’s funds
| Amount | Term | Interest rate | Security |
|---|---|---|---|
| From 20,000 to 300,000 soms inclusive | from 3 to 18 months (up to 150,000 som incl.)
from 3 to 24 months (from 150,001 to 300,000 soms incl.) |
33% (with insurance 32%) |
Credit personnel and/or an Authorized Person may require a guarantee at their discretion |
*Effective interest rate from 37,12% to 38,60%.
*The Credit Committee may ask for a guarantee regardless of the amount of the loan.
Commission for cash services – According to Tariffs for individual services
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