Money transfer
Currency Buy Sell
USA Dollar USD 79.5000 79.8000
 EUR 92.4000 93.9000
 RUB 0.9900 1.0320
 KZT 0.1750 0.1980
Currency Buy Sell
USA Dollar USD /  KGS 79.2000 80.3000
 RUB /  KGS 0.9852 1.0393
 KZT /  KGS 0.1750 0.2073
 EUR /  KGS 91.8700 94.5200
Currency Buy Sell
USA Dollar USD /  KGS 79.2000 80.3000
 RUB /  KGS 0.9700 1.0700
 KZT /  KGS 0.1700 0.2000
 EUR /  KGS 91.0000 94.5000
Currency 28 September 29 September
USD 79.4998 79.4998
EUR 92.6530 92.5457
RUB 1.0349 1.0105
KZT 0.1865 0.1857
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 -
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House-buying

Standard terms of the “House-buying” loan program: 

Currency of credit / credit line KGS / USD
Loan / tranche / loan facility amount

 

From 10 000 USD (KGS equivalent) 

Remuneration rate (% per annum) USD*

From 12%

Remuneration rate (% per annum) KGS*

From 18%

The limit maximum term

Up to 120 months in USD;

Up to 120 months in KGS

The loan / tranche maximum term under the loan facility

Up to 120 months

Charge for organization of the loan facility

Single

upon concluding a contract

from 1 % of the loan / loan facility amount 

Form of repayment

1. Repayment by annuity, monthly;

2. A flexible schedule is possible (only after repayment of the principal debt for a period determined by an Authorized Authority).

Continuous term of business at the time of applying to the bank

Stable business that is valid for at least 6 months (without interruption) in the sphere of trade or services, the sphere of production prior to applying for the loan. 

Form of financing

Loan, loan facility (revolving / non-revolving) according to decision of an Authorized Authority

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 8 days
Additional provisions

1)Initial contribution upon the purchase of immovable property is 30% or more of the cost of the immovable property to be purchased;

2)In the absence of the initial contribution, additional collateral in form of immovable property is possible (in the total amount with the collateral purchased)

3)In case of provision of finance for a term of 120 months the penalty for prescheduled repayment of credit shall be 2% from the amount of credit.

* Effective interest rate: in USD from 15,76%, in KGS from 28,51%

** 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 concerning business

List of documents concerning pledge security

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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.