Business loans

Business loans are intended for individual entrepreneurs and legal entities operating in the Kyrgyz Republic and having small and / or medium business in the following areas: trade, production, construction, provision of services and other areas.


1. credit "Business-Trust" (unsecured loan)

  • Loan description: short term of review, no collateral required
  • Term of examination: 2 days
  • Loan amount: from 2 000 to 150 000 KGS KR
  • Term of the loan: from 3 to 18 months
  • Interest rates: in soms KR 30%
  • Loan repayment: monthly equal installments, flexible schedule
  • Security: a guarantee of at least 1 financial guarantor
  • Insurance: not required
  • Mandatory condition: business availability
  • Commission 2%


         * The effective interest rate is KGS: 41%, USD / EUR: 25.30%

2. "Business Trust" credit (secured by movable property)

  • Description of the loan: a short period of consideration, on the security of movable property, there is a limit on the amount.
  • Term of examination: 2 days.
  • The loan amount is from 2 000 to 250 000 KGS KR/ RUB
  • Term of the loan: from 3 to 24 months.
  • Interest rates: in soms of the KR from 25% -30%, in rubles of the RF from 23-28
  • Loan repayment: monthly equal installments, flexible schedule.
  • Security: movable property, deposit, guarantee, goods in circulation, livestock and personal property.
  • Insurance: not required.
  • Obligatory condition: availability of business.
  • Commission 2%


    * The effective interest rate is KGS: 37.40%, USD / EUR: 24.50%

3. credit "Business Development"

  • Description of the loan: a mandatory condition - a pledge of real estate.
  • Term of examination: 10 days.
  • Loan amount: from 2 000 to 5 000 000 KGS KR/RUB, from 50 to 100 000 USD / EUR;
  • Term of the loan: from 3 to 60 months (depending on the purpose of the loan).
  • Interest rates: in soms KR from 20-25%, in rubles RF from 17-23%, in US dollars / euros from 13% -18%.
  • Loan repayment: monthly equal installments, flexible schedule
  • Security: real estate, movable property, deposit, guarantee
  • Insurance: by decision of the Bank.
  • Obligatory condition: availability of business.
  • Commission 0,75%-1%


         * The effective interest rate is KGS: 31.08%, USD / EUR: 19.97%

4. Corporate loans

  • The objectives of the loan: the development of business.
  • Term of examination: 10 days.
  • The loan amount: from 5 000 000 KGS/RUB and more, from 100 000 US dollars / euro and above,
  • Term of the loan: from 3 to 60 months
  • Interest rates: in soms KR from 20-23%, in rubles RF from 17-19%, in US dollars / euros from 12% -16%.
  • Loan repayment: monthly equal installments, flexible schedule.
  • Security: real estate, movable property, deposit, surety.
  • Insurance: by decision of the Bank.
  • Obligatory condition: availability of business.
  • Comission - 0,5%


    * The effective interest rate is KGS: 25.88%, USD / EUR: 17.48%

5. Loans for business development

  • The objectives of the loan: to develop business in the field of industry, agriculture (harvesting and processing), transportation, communications, services, trade, commerce, construction and tourism.
  • Loan amount: from 10 000 000 KGS
  • Term of loan: up to 24 months
  • Interest rates: 12%
  • Repayment of the loan: it is possible to grant a grace period for the repayment of the principal debt for a loan for a period of no more than 6 months. After the grace period for the repayment of the debt can be made in the form of an annuity or an equal share schedule (at the request of the client). A flexible schedule may also be considered, but with repayment of more than 30% of the loan amount for the first half of the term.


    * The effective interest rate is KGS: 12.7%

6. Credits of OJSC Commercial Bank KYRGYZSTAN with the participation of the Guarantee Fund guarantee!

  • Currency: in soms KR.
  • Loan amount: for one potential borrower should not exceed 25 000 US dollars (in KGS equivalent at the NBKR discount rate at the date of approval of the loan).
  • Credited activities: small agriculture, livestock and poultry, clothing production, food production and agro-industrial processing, carpentry and stone work, retail and general (export and import trade) trade;
  • The principal place of residence of the borrower can not serve as collateral for the loan, in connection with which the Bank accepts movable property as collateral (depending on the amount of the loan) or real estate of third parties, as well as additional. Real estate if it is available to the client.
  • Interest rate: 17% against real estate, 19% -21% against movable property.


          * The effective interest rate is KGS: 23.72%

Credits of OJSC Commercial Bank KYRGYZSTAN with the participation of the Guarantee Fund guarantee!

Guarantee Fund - allows, in the event that the borrower does not have enough collateral to obtain the right amount of the loan, obtain a guarantee from OJSC "GF" to cover a not sufficient amount of collateral:

 

Options:

  • The Fund guarantees part of the principal amount of the Loan, which is not fully covered by the Borrower, but not more than 50% of such Loan.
  • For the provision if the Guarantee, the Borrower shall pay to the Fund a one-time commission of 2,5% of the Guarantee amount.
  • The Fund's Guarantee is issued on Loans in national and foreign currencies.

Site of the Guarantee Fund

 

 

* Dear clients, if you encounter illegal actions or unreasonable requests from the Bank's employees when reviewing applications or issuing loans, we ask you to report such cases to the Bank's Contact Center at 0 312 61-33-33 or WhatsApp +996 770 33 -33-69.

All such cases will be considered personally by the Bank's management.

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