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Consumer credit

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. Salary loan

  • Description of the loan: the loan is granted to clients receiving wages / pensions only on the basis of a passport without providing additional documents / certificates (in some cases, additional documents / certificates may be provided)
  • Type of borrower: individuals receiving wages / pensions;
  • Loan currency: som;
  • Loan amount: from 5 000 soms to 2 500 000 soms;
  • Loan term: from 3 to 60 months;
  • Purpose: any consumer goals;
  • Interest rate: from 22% -29.988% from 19.99% - 27% per annum (promotion until 31.10.2022)
  • Schedule of payments: annuity (monthly equal installments);

You can get a salary loan in two ways:

1. In offline mode - with a visit to the Bank's office:

  • up to 150 000 soms - in just 1 day, without collateral and surety!
  • up to 250 000 soms - in just 1 day, without collateral, under the surety of one person!
  • from 250 000 to 2 500 000 soms - in just 2 working days, secured by real estate!
  • Interest rate - from 22%* per annum;
  • Commission - 0%!

* Effective interest rate from 29.99%.

2. In the online mode - remotely from anywhere:

  • Up to 100 000 soms - for 60 minutes, from 08:30 to 20:00, seven days a week!
  • Without collateral and surety!
  • Without visiting the Bank's office!
  • Without documents!
  • Interest rate: 29.99%* per annum, 25.5% per annum (promotion until 31.10.2022)
  • Commission for remote customer service - 0% 

* Effective interest rate from 28,69%.

Now you do not need to go to bank offices, spend money on transport and other expenses, stand in line. Get paid in minutes! Using the remote service, you have the opportunity to get a loan from anywhere!

To find out how to get an "Online loan", click HERE


2. "Installment plan"

  • Installment Description: provided for the purchase of goods from the Bank's Partners
  • Type of borrower: individuals receiving wages / pensions; individual entrepreneur working on the basis of a patent or certificate; an individual having a private subsidiary farm;
  • Duration of consideration: from 15 minutes from the date of submission of a full package of documents;
  • Installment currency: som;
  • Installment amount: from 5 000 soms to 250 000 soms;
  • Installment period: from 3 to 24 months;
  • Collateral: purchased goods;
  • Interest rate: interest - free;
  • Schedule of payments: monthly in equal installments;
  • Commission by installments up to 100 000 - 300 soms, from 100 000 - 1% of the amount of installments.

* Effective interest rate from 0.2% -20.5%.

 

3.“Credit per hour”

  • Description of the loan: a loan is provided for the purchase of goods from the Bank's Partners
  • Type of borrower: individuals receiving wages / pensions; individual entrepreneur working on the basis of a patent or certificate; an individual having a private subsidiary farm;
  • Duration of consideration: from 15 minutes from the date of submission of a full package of documents;
  • Loan currency: som;
  • Loan amount: from 5 000 soms to 100 000 soms;
  • Loan term: From 3 to 24 months;
  • Collateral: purchased goods;
  • Interest rate: flexible system of interest rates from 29.99%;
  • Schedule of payments: annuity (monthly equal installments);
  • No commission

 * Effective interest rate from 34.46%.

 

4. Mortgage loan “My house”

  • Description of the loan: a loan is provided for the purchase of residential real estate;
  • Type of borrower: individuals receiving wages / pensions; individual entrepreneur working on the basis of a patent or certificate; an individual having a private subsidiary farm
  • Purpose: acquisition of residential real estate / mortgage loan refinancing in other PKU;
  • Loan currency: KGS
  • Amount: from 400 000 soms to 8 000 000 soms;
  • Interest rate: the first 36 months 20% per annum, the next 48 months - from 22% per annum *;
  • Loan term: up to 84 months old;
  • Collateral: acquired residential real estate;
  • Prerequisite: down payment - from 30% of the purchase price of residential real estate. If the participant does not have his own contribution, it is allowed to provide additional collateral in the form of real estate;

  * Effective interest rate from 21.93%.

 

5. Сar loan

Advantages of car loans

  • Quick review times
  • loan amount - 1 000 000 som
  • Initial payment - from 30%
  • Loan terms - up to 36 months
  • Low rates on the loan - from 22%*
  • Acquired car is the subject of a mortgage

* Effective interest rate from 20.91%

 How to apply for a car loan?

  • Fill in the application online on the website or in the bank branch.
  • Provide documents to the Bank.
  • You get a decision within 3 days
  • Sign the loan agreement with the Bank and get the money

 

* 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 +996 556 61-33-33.


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

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