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Mortgages under the program "Affordable Housing"

Mortgage loans are loans for the purchase or construction of housing under the state program "Affordable Housing 2015-2020".

Lending conditions:

  • initially issued to employees of budget organizations according to the list;

  • loan amount: up to 3 million KGS;

  • loan period: up to 15 years;

  • own contribution: from 10% of the cost of purchased or constructed housing;

  • in case of lack of own contribution the Bank may consider provision of additional collateral;

  • loan security: purchased housing.

  • Insurance: housing should be insured within 10 business days from receipt of the loan for the duration of the mortgage loan and for the sum of the value of the purchased property.

To obtain a loan it is necessary to:

  • be registered in accordance with the Kyrgyz legislation, i.e. have a passport of the citizen of the Kyrgyz Republic;

  • have the relevant documents on income (salary certificate, documents for business);

  • not have own housing or have a need to expand living space;

  • not carry out any civil real estate transactions in the past 3 years prior to filing an application to the Bank;

  • be sufficiently solvent in accordance with the Bank's requirements;

  • not have a negative credit history in accordance with the Bank's requirements.

* An effective interest rate at 8-10% - 8-10% per annum

interest rates

in KGS

Amount Rate
from 1 to 3 000 000 KGS 8.00

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Annual rate

monthly payment

Total amount of payment transactions

Loan amortization schedule

Loan principal accrued interest Amount payable Outstanding loan balance

These calculations are approximate. Ask our credit experts for more accurate estimates.

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