You can use a home improvement loan to make cosmetic or major repairs to your apartment or house. Use the loan proceeds for repair at any stage at your discretion.
And our employees will help you make a cost estimate for purchasing construction materials.
Loan objectives:
• insulation of internal and external walls of residential premises;
• installation or replacement of windows;
• construction, repair, replacement and insulation of the roof;
• erection of walls;
• installation and insulation of the floor;
• construction and insulation of the foundation;
• installation of heating systems;
• installation of energy-efficient boilers;
• construction and equipment of the bathroom;
• installation/replacement of water supply systems;
• other energy-efficient measures (insulation of the foundation, balcony, etc.).
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 history
The list of documents is minimal:
- Copy of passports of the borrower, his spouse/her husband, and guarantors (if any);
- Documents concerning the borrower’s marital status;
- Other necessary documents on the customer’s business
Financing conditions:
- Currency: KGS
- Repayment schedule: annuity
- Commission for cash services: according to the tariffs for individual services.
- 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.
| Amount | Term | Interest rate | Security |
|---|---|---|---|
| From 10000 KGS to 300000 KGS | From 6 to 18 months (Up to 150000 KGS )
From 6 to 24 months (from 150001 KGS to 300000 KGS ) |
32% per annum (with insurance policy)
33% per annum (without insurance policy) |
Loan staff and/or the Authorized Person may require a guarantee at their discretion.
|
Peculiarities of the loan
- Estimating the cost of purchasing construction materials
- Tutorial videos on choosing high-quality construction materials and carrying out independent repair and construction work according to all rules
- List of suppliers of quality construction materials that provide discounts if the client is our borrower
*Effective interest rate starting from 37,12 – 38,60%.
*The Credit Committee may ask for a guarantee regardless of the amount of the loan.
Commission for cash services – According to the Tariffs for individual services
A loan for the purchase of Renewable Energy sources for the installation of photovoltaic panels, electric shepherds, solar dryers, water heaters for home and business, electricity converters and other modern technologies, allows you not only to save on energy bills, but also to contribute to caring for the environment.
Purpose of the loan:
• purchase of solar dryers,
• purchase and installation of electric fences,
• purchase and installation of solar water heaters for home and business;
• purchase and installation of photovoltaic panels,
• purchase and installation of heat pumps;
• autonomous lighting devices (lamps, flashlights) powered by solar energy;
• purchase and installation of effective irrigation systems: drip irrigation, watering systems, etc.
• purchase and installation of wastewater treatment systems, water treatment facilities;
• biomass and biogas energy production systems;
• purchase of electric scooters and other environmentally friendly transport;
• purchase and construction of greenhouses.
Financing conditions:
- Currency: KGS
- Repayment schedule: annuity
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.
The requirements for the borrower are simple:
- Have citizenship of the Kyrgyz Republic;
- Be between the ages of 18 and 70 inclusive (For customers purchasing an insurance policy, the age limit is 73 years inclusive);
- Have a positive credit history.
The list of documents is minimal:
- a copy of the passport of the borrower, spouse and guarantors (if any);
- documents on the marital status of the borrower.
| Amount | Term | Interest rate | Cash service fee |
|---|---|---|---|
| 10 000 – 150 000 KGS | 6 -18 month | 22% per annum (with insurance policy)
25% per annum (without insurance policy) |
According to the Tariffs for individual services |
*Effective interest rate starting from 24,36 – 28,16%.
*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
The company cooperates with two companies supplying renewable energy installations:
| 1.Service Center CRVIEE LLC supplies solar dryers. | 2.Elsist LLC supplies solar dryers and solar shepherds. |
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