English
English
About Bank
Private clients
Business clients
«Mortgage» Loan is issued for the purchase of housing or a land plot for the construction of a residential building, and if there is a land plot, then for the construction of an individual residential building thereon. Refinancing of a mortgage loan issued for the above purposes (not related to the client’s insolvency) can be considered.
Currency
Loan amount
Interest rates
Loan period
Loan terms |
from 3 to 120 months |
Loan amount |
from 200,000 ⊆ to 20,000,000 ⊆ |
Annual interest rate* |
from 20% to 21% depending on the amount and loan term |
Initial fee |
аt least 30% of the value of the purchased property*** |
Collateral insurance |
collateral insurance over 5,000,000 som or 50,000 US dollars |
Surety |
required if a decision is made by the authorized body of the Bank |
Collateral |
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from 3 to 120 months
from 200,000 ⊆ to 20,000,000 ⊆
from 20% to 21% depending on the amount and loan term
аt least 30% of the value of the purchased property***
collateral insurance over 5,000,000 som or 50,000 US dollars
required if a decision is made by the authorized body of the Bank
*Effective interest rate starting from 21,92%
**If the bank estimate of the value of the purchased property is lower than the acquisition cost, additional collateral is required.
***If there is no down payment, it can be partially or completely replaced with additional collateral in the form of a real estate.
10. If necessary, the Bank may request other additional documents. |
1. Application for a Loan (provided by the Bank). |
2. Borrower’s Questionnaire (provided by the Bank). |
3. Passport of the Guarantor / Pledgor, TIN, information about registration and current place of residence. |
4. Information on current place of residence and family composition from “Sanarip Aimak” Automated Information Service (Citizens Service Center). |
6. A copy of the marriage or divorce certificate of the Borrower, Guarantor, Pledger. |
7. Entitlement and title establishing documents for the collateral (depending on the type of collateral provided: State Act, Technical Certificate, Real Estate Sales and Purchase Agreement). |
8. An extract from the State Registration Service of the Kyrgyz Republic confirming the absence of prohibitions and restrictions on the proposed collateral. |
9. Сopies of documents on rented premises/areas (if necessary). |
5. Certificate of Salary for the last 6/12 months, depending on the loan product (additional documents confirming receipt of additional income (if any). |
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Loans can be repaid through bank cash desks, as well as through Umai, Onoi, Pay24 and Quickpay payment terminals* |
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4. Select the currency in which you wish to repay the loan. |
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More than 350 Umai terminals, 800 points of Onoy System and over 3,000 Pay24 terminals, 1,000 Quickpay terminals in Kyrgyzstan have been installed for your convenience! |
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5. Provide details – current account number. |
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3. Select «Loan Repayment». |
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7. Enter the desired amount into the bill acceptor. |
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To repay a loan through terminals, you must follow the following steps: |
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1. Select the «Financial Services» menu on the terminal screen. |
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6. Check that the entered data is correct and click «Next». |
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8. To complete the payment, click the «Pay» button. |
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The terminal closest to you can be found on the websites www.umai.kg, www.osmp.kg. Pay24 and Quickpay terminals are listed in 2GIS.kg. |
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2. Next, select «KSB Commercial Bank» CJSC («KSB CB» CJSC). |
Loans can be repaid through bank cash desks, as well as through Umai, Onoi, Pay24 and Quickpay payment terminals*
4. Select the currency in which you wish to repay the loan.
More than 350 Umai terminals, 800 points of Onoy System and over 3,000 Pay24 terminals, 1,000 Quickpay terminals in Kyrgyzstan have been installed for your convenience!
5. Provide details – current account number.
3. Select «Loan Repayment».
7. Enter the desired amount into the bill acceptor.
To repay a loan through terminals, you must follow the following steps:
1. Select the «Financial Services» menu on the terminal screen.
6. Check that the entered data is correct and click «Next».
8. To complete the payment, click the «Pay» button.
The terminal closest to you can be found on the websites www.umai.kg, www.osmp.kg. Pay24 and Quickpay terminals are listed in 2GIS.kg.
2. Next, select «KSB Commercial Bank» CJSC («KSB CB» CJSC).
*Attention! When using terminals, a commission is charged.
500000
сом18%
2 450
сомMonth |
Repayment of the principal debt |
The amount of term interest |
The amount of a one-time payment |
Remaining debt after repayment |
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*Effective interest rate 21,92%
* The calculation is preliminary, it is not a public offer
