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.  Payment of the insurance premium for secured loans can be distributed as a monthly payment for 12 months

Unsecured lending

Amount Term Interest rate Security
        from 10,000 to 300,000 (inclusive) from 1 to 18 months (up to 150,000 soms)

from 1 to 24 months (from 150,001 to 300,000 soms)

10,000 – 100,000 soms – 45% (with 44% insurance)
100,001 – 200,000 soms – 43% (with 41% insurance)
200,001 – 300,000 soms – 39% (with 37% insurance)
For a client with a credit history

Up to 200,000 soms (incl.) – without a guarantor

Over 200,000 soms -1 guarantor

For clients with no credit history

Up to 150,000 soms (incl.) – without guarantee

Over 150,000 soms -1 guarantor

Secured lending
Amount Term Interest rate Security
from 200,000 to 1,000,000 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 35,03%.
*Loan Committee may ask for a guarantee regardless of the loan amount.

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. Payment of the insurance premium for mortgage loans can be spread over 12 months with monthly payments

Unsecured lending

Amount Term Interest rate Security
from 10,000 to 300,000 (inclusive) from 1 to 18 months (up to 150,000 soms)

from 1 to 24 months (from 150,001 to 300,000 soms)

10,000 – 100,000 soms – 45% (with 44% insurance)
100,001 – 200,000 soms – 43% (with 41% insurance)
200,001 – 300,000 soms – 39% (with 37% insurance)
For a client with a credit history

Up to 200,000 soms (incl.) – without a guarantor

Over 200,000 soms -1 guarantor

For clients with no credit history

Up to 150,000 soms (incl.) – without guarantee

Over 150,000 soms -1 guarantor

Secured lending
Amount Term Interest rate Security
from 200,000

to 1,000,000 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 35,03%.
*Loan Committee may ask for a guarantee regardless of the loan amount.
*In the case of obtaining the unsecured loan with insurance, the above interest rates can be reduced by 2%. Example: without insurance – 38%, with insurance – 36%.

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.

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.)

41%

(with 39% insurance)

For a client with a credit history

Up to 200,000 soms (incl.) – without a guarantor

Over 200,000 soms -1 guarantor

For clients with no credit history

Up to 150,000 soms (incl.) – without guarantee

Over 150,000 soms -1 guarantor

*Commission for cash services: According to the Tariffs for individual services
*Effective interest rate from 47,55%.

 

 

Credit Calculator

c

5000
25000
50000

1 мес
12 мес
18 мес

Monthly payment

4874

Interest rate

30 %

Total loan amount

58492

Credit term

12

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