Consumer credit

Consumer credit is a loan provided for the purchase of consumer goods. Such a loan is taken not only for the purchase of durable goods (furniture, cars, etc.), but also for other purchases (mobile phones, household appliances, food), as well as these funds can be used to pay for contracts in educational institutions, Carrying out of solemn actions, expenses on rest (travel), repair of the house / apartment, etc.


1. Unsecured consumer credit

  • Description of the loan: the review period is only 1 day after the submission of the full package of documents;
  • Loan amount: som
  • In soms KR: from 2 000 to 50 000 (under the guarantee);
  • Term of loan: from 3 to 12 months
  • Interest rates: 30%
  • Loan repayment: monthly, in equal installments;
  • Mandatory condition: proof of income
  • Commission 2%


          * The effective interest rate is 45.34%

2. A loan secured by movable property (personal property, auto, goods, livestock, etc.)

  • Term of processing: 2 working days
  • The loan amount: in soms from 2 000 to 100 000, in US dollars/euro from 50 to 2 000
  • Term of loan: from 3 to 24 months
  • Interest rates: in KG Som 27% - 30%, in US dollars/euro 12% - 25%
  • Loan repayment: monthly equal installments, flexible schedule
  • Security: movable property, personal property, cattle;
  • Mandatory condition: proof of income
  • Commission 1,5%


        * If the loan amount is from 50 000 soms, one person's suretyship is required.

        * The effective interest rate is 37.92%

3. Loan against real estate

  • Term of consideration: up to 5 working days;
  • Currency: som, US dollar, euro;
  • Amount: in soms / rubles from 2 000 to 2 500 000, in US dollars / euros from 50 to 50 000;
  • Term of the loan: from 3 to 60 months;
  • Interest rates: in soms  22% - 28%, in US dollars / euros 18% - 20%;
  • Loan repayment: monthly equal installments, flexible schedule
  • Security: real estate;
  • Insurance: not required
  • Mandatory condition: proof of income
  • Commission 1%


          * The effective interest rate is 32.13%

4. Salary loan - Five salaries

  • Description of the loan: clients receiving a salary / pension on a bank card through our and / or any other bank.
  • Type of borrower: employee of the organization for the salary project, a pensioner served at the bank;
  • Speed ​​of issue: 1 working days from the date of submission of the full package of documents
  • Loan currency: som
  • Amount: from 5 000 soms, but not more than 5 salaries / pensions;
  • Term of the loan: up to 36 months;
  • Intended purpose: consumer purposes
  • Interest rate: from 24%
  • Loan repayment: monthly, with equal installments.
  • Commission 2%


          * The effective interest rate is 34.37%


5. Credit per hour

  • Description of the loan: clients who receive wages / pensions on a bank card through our bank.
  • Type of borrower: employee of the organization for the salary project, a pensioner served at the bank;
  • Approval of the loan - within 1 hour after leaving the full package of documents
  • Currency: Som
  • Amount: up to 100 000 soms;
  • Term of the loan: up to 24 months;
  • Purpose: to purchase household appliances through the Bank's partners;
  • Security: the goods to be procured;
  • Interest rate: flexible system of interest rates from 24%;
  • Loan repayment: monthly, with equal installments.
  • Commission 2%


         * The effective interest rate is 34.37%

7. Mortgage loan "My house"

  • Purpose: acquisition of residential real estate / refinancing of a mortgage loan in other PKU;
  • Currency: som KR
  • Amount: from 400 000 soms;
  • Interest rate: from 19% - 21%;
  • Term of loan:up to 84 months;
  • Collateral: purchased residential property;
  • Obligatory condition: initial payment - not less than 40% of the purchase price. In the absence of own contribution, the participant is allowed to provide additional collateral in the form of real estate.
  • Commission 1%


  * The effective interest rate is 30.83%


* 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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