Money transfer
Currency Buy Sell
USA Dollar USD 84.5000 84.9000
 EUR 100.0000 101.5000
 RUB 1.1500 1.1650
 KZT 0.1900 0.2050
Currency Buy Sell
USA Dollar USD /  KGS 84.5000 84.9000
 RUB /  KGS 1.1370 1.1889
 KZT /  KGS 0.1886 0.2126
 EUR /  KGS 99.7900 103.2400
Currency Buy Sell
USA Dollar USD /  KGS 84.5000 84.9000
 RUB /  KGS 1.1000 1.2000
 KZT /  KGS 0.1700 0.2200
 EUR /  KGS 97.0000 103.0000
Currency 29 July 30 July
USD 84.6655 84.7860
EUR 100.1043 100.7003
RUB 1.1502 1.1584
KZT 0.1994 0.1998
Go to currency rate page
Граммы buy sell
1.00 5 000.00 -
2.00 10 000.00 -
5.00 21 000.00 -
10.00 42 000.00 -
31.1035 130 000.00 -
100.00 420 000.00 -
Go to gold price page

Mortgage

Standard terms of the “Mortgage” loan program: 

Loan / loan facility currency KGS
Loan / tranche / loan facility amount

Up to 7 000 000 KGS

Remuneration rate (% per annum) KGS *

From 18%

The loan facility maximum term

Up to 60 months

The loan / tranche maximum term under the loan facility

Up to 60 months

Charge for organization of the loan facility

From 1,5%

Form of repayment

Annuity   

•  Monthly PD and %;

• Grace period for repayment of the principal debt is possible.

Insurance

• Policy holder – the Borrower or a third party –collateral guarantor (collateral provider under a security contract);

• Beneficiary – is the Bank under a Certificate of Insurance / Insurance Contract;

• Insurance object – property received by the Bank as the Security;

• Insurance premium – paid at the expense of the Borrower's own funds as a single payment for the first year of a loan contract;

• Insured amount is determined by an insurance company;

• Insurance term – the Insurance Contract is to be concluded for the whole term of the loan contract.

Form of financing

Loan,

loan facility (non-revolving in case of lending of construction of a residential building)

Loan purpose

Purchase of ready-made housing, purchase of housing in a newly-built building, construction of a residential building;

Refinancing of loans granted for purchase, construction, acquisition of a land plot.

Security

In accordance with the Bank’s collateral policy the acquired immovable property (only ready-made housing) may be the Security;

In case of insufficiency of the mortgage security an additional collateral may be accepted - the acquired immovable property is accepted (only ready-made housing and the Company’s Guarantee).

Terms of application processing 14 days
Additional provisions

Initial contribution upon the purchase of immovable property is 35% or more of the cost of the immovable property to be purchased   

* Effective interest rate: in KGS from 22,16%.

** Interest rate and repayment schedule depend on the requested amount, loan term, financial solvency, collateral provided, etc. Upon your request, the credit manager will provide you with a repayment schedule according to the amount requested and above conditions.

List of documents

 

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Calculate loan repayment

The calculation result is informative. The exact parameters of the loan will be calculated by the Bank by results of consideration of your application. Please note that the exact calculation and repayment schedule will provide You with a credit specialist in the Bank’s offices.