| Target Group |
Individuals working for hire and under the certificate of individual entrepreneurs, private entrepreneurs |
| Lending currency |
Kyrgyzstani soms |
| Requirements for the borrower |
A potential borrower must:
- Be a resident of the Kyrgyz Republic;
- Age from 22 to 70 years old;
- Have a stable, verified monthly income
- Continuous work experience for at least the last 6 months in the last job before applying for a loan
- Having a patent in force at the time of filing the application;
- Having a certificate of registration of IP
|
| Purpose |
- For commercial purposes for the development of an existing business that does not contradict the Company's Credit Policy
- For refinancing
- For any consumer purpose
|
| Loan Amount |
from 10,000 to 200,000 soms |
| Loan interest rate |
30% per annum |
| Loan interest rate for refinanced clients |
Decision of the Credit Committee (by reducing the interest rate from 1 to 2 points) |
| Lending term provided |
From 3 to 36 months |
| Loan repayment terms |
On a monthly basis:
- annuity payments;
- in some cases, as decided by the SC
|
| Loan early repayment |
Early repayment of the loan without penalty is allowed |
| Collateral |
Employees of state and municipal institutions, military personnel:
- from 10,000 to 100,000 soms - without collateral;
- from 101,000 to 200,000 soms - guarantee of one person;
Individuals working for hire in private organizations, as well as on the basis of a patent or IP certificate:
- from 10,000 to 200,000 soms - a guarantee of one person.
|
| Guarantee Requirements |
- Be a resident of the Kyrgyz Republic
- Have a stable, verified monthly income
- Age from 22 to 70 years old
|
| Design review |
The following project reviews are provided:
- Check in CIB;
- Financial analysis;
|
| Justifyleft |
Up to 1 working day, from the moment all documents are submitted and in the absence of comments on documents |
| Constraints |
- The amount of the loan granted depends on the income of the Borrower and his family members;
- The contribution coverage ratio (the ratio of income after payment of the contribution and all expenses to the net income of the Borrower and his family) must be at least 20%;
- The income of all family members must be documented
- Salary certificate for the last three months, employment contracts, etc.).
The terms of the credit limit in exceptional cases may be changed (in such cases, the decision is made individually at the discretion of the Credit Committee)
|
| List of required documents |
For an individual:
- Application for a loan in the prescribed form;
- Copies of identity documents (passport) of the Borrower/Pledgor/Guarantor and spouses;
- Certificate from the place of residence of the borrower and the guarantor, and / or an extract from the PSC on the place of registration and marital status;
- Certificate from the place of work on the salary of the borrower and the guarantor for at least the last 3 months; or:
- Current patent
- IP registration certificate
If the Applicant/Guarantor is married, it is mandatory:
- consent of the spouse/s of the Applicant to receive the loan;
- your spouse's/and Guarantor's consent to the suretyship;
- if not married, a statement of marital status;
* The consent of the spouse / and the Borrower / Guarantor or a statement of marital status, without notarization, is provided on the approved form - consent / statement
|
