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:
- Repair, construction and insulation of housing
- Creating a comfortable living environment
- Insulation of external walls
- Replacement of windows
- Roof replacement and insulation
- Walling
- Floor device
- Construction and equipment of a bathroom
- Finishing work (wallpapers, linoleum, laminate, painting)
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 1 to 18 months (Up to 150000 KGS )
From 1 to 24 months (from 150001 KGS to 300000 KGS ) |
39% per annum (with insurance policy)
41% per annum (without insurance policy) |
For a client with a credit history
Up to 200,000 soms (incl.) – without a guarantor over 200,000 – 1 guarantor For clients with no credit history Up to 150,000 soms (incl.) – without a guarantor over 150,000 soms – 1 guarantor |
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 from 45.73% to 49.8%.
*The Credit Committee may ask for a guarantee regardless of the amount of the loan.
Commission for cash services – 1.3% of the loan amount, but not more than 10,000 soms.
The security deposit for unsecured loans is 1% of the loan amount.
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 and installation of photovoltaic panels;
- purchase of electric shepherds;
- purchase of solar dryers;
- purchase of water heaters for home and business;
- purchase of power converters and other modern technologies.
- autonomous lighting devices (lamps, flashlights) powered by solar energy,
- purchase and installation of heat pumps,
- purchase and installation of wind turbines,
- acquisition and installation of drip irrigation,
- greenhouse construction,
- installation of water treatment facilities,
- biogas plants and other types of equipment.
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 | 1 -18 month | 28% per annum (with insurance policy)
30% per annum (without insurance policy) |
According to the Tariffs for individual services |
*Effective interest rate from 31.20% to 34.48%.
*The Credit Committee may ask for a guarantee regardless of the amount of the loan.
Commission for cash services – 1.3% of the loan amount, but not more than 10,000 soms.
The security deposit for unsecured loans is 1% of the loan amount.
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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Credit Calculator
Monthly payment
4874
Interest rate
30 %
Total loan amount
58492
Credit term
12
Success stories
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