Term loan for any purpose

Our company issues term loans for any purpose, whether consumer or business development. Unlike a consumer loan, an urgent loan is distinguished by a quick consideration up to 1 day and the possibility of providing one guarantor.

Requirements for the borrower:
  • Be a resident of the Kyrgyz Republic;
  • Have a stable, verified monthly income;
  • Continuous work experience for at least the last 3 (three) months in the last job prior to applying for a loan;
  • Having a patent in force at the time of filing the application;
  • The presence of a certificate of registration of IP;
Loan amount:
  • From 10,000 soms to 100,000 soms
Provided loan term:
  • Up to 12 months
Loan rate:
  • 28% - 30%
Terms of repayment of the loan/tranches - on a monthly basis:
  • annuity payments;
  • principal in equal installments;
  • in some cases (as decided by the CC).
Collateral:
Type of collateral (one of two items and/or in combination):
  • With a loan amount of not more than 30,000 soms - without guarantee;
  • If the loan amount is more than 30,000 soms - under the guarantee of one person.

For employees of state, municipal institutions and organizations up to 50,000 soms - Without guarantee.

Requirement for the guarantor:
  • Be a resident of the Kyrgyz Republic;
  • Have a stable, verified monthly income;
  • Continuous work experience for at least the last 3 (three) months in the last job prior to applying for a loan;
  • Having a patent in force at the time of filing the application;
  • The presence of a certificate of registration of IP.
Restriction conditions:
  • 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 (certificate of wages for the last three months, employment contracts, etc.).

Loan limit conditions may be changed in exceptional cases (in such cases, the decision is made individually at the discretion of the Credit Committee)

Decision deadline:
  • Up to 1 working day, from the moment all documents are submitted and in the absence of comments on the documents.
List of required documents:
Individual:
  • Application for a loan in the prescribed form;
  • Copies of identity documents (passport) of the Borrower/Guarantor and spouses;
  • Certificate from the place of residence of the borrower and the guarantor indicating the composition of the family;
  • Certificate from the place of work on the salary of the borrower and the guarantor for the last 12 months (if the period of actual work is less than 12 months, then for the actual period of work);
  • Current patent;
  • Certificate of registration of IP.
If the Applicant/Guarantor is married, it is obligatory:
  • 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 Society when issuing a loan.

Annual effective interest rate - from 27.54% to 41.48%

Leave your details. We will contact you