Mortgage loan for commercial purposes

Mortgage loan for commercial purposes


up to 10 years


from 18%


up to KGS 20 000 000

A loan for purchasing real estate for commercial purposes (to increase fixed assets)

With the right approach and good location, commercial real estate in the form of non-residential premises, intended for doing business in all its diversity, from warehousing to trade or production, can be a highly profitable form of investment.

Target audience:

  • Individual entrepreneurs;
  • Legal entities.

Loan currency: KGS, USD, EUR, RUB

Intended use:

  1. Purchase of real estate for commercial purposes (to increase fixed assets), lease, business expansion.
  2. Purchased real estate should be marketable with regard to its location, period of construction, degree of physical wear and tear.



In national currency – 6 to 60 months.

In foreign currency – 6 to 120 months.

  • Borrower eligibility
  • 1. Legal entities:
  • At least 12 months of work experience
  • Registered in the KR
  • At least one guarantor with a steady income (if there are several founders, one of them should serve as a guarantor)
  • No arrears to the tax authorities and the social service department.


  • 2. IE (individual entrepreneurs):
  • Certificates of income from the tax authority and certificates of arrears of payments to the budget; statement from USRIE on registered types of activity; license confirming the right to engage in a registered type of activity;
  • Aged 18-55;
  • Residents or citizens of the KR;
  • Should have a steady income proven with documents;
  • At least 1 year of work experience, without the establishment of a legal entity;
  • At least one guarantor with a steady income.


  • Initial installment is at least 40% of the cost of purchased real estate (using acquired real estate as collateral)

Requirements for the Seller:

  • Opened current account;
  • Documents of tile and statement from the State Register;
  • Seller’s Passport and other documents according to the legislation of the KR
  • For LEs:
    1. Founding documents (state registration certificate, a document confirming state taxpayer registration (further on TIN), a document confirming registration of a legal entity in the Social Fund, statistical card, license – if the type of activity is subject to licensing, charter, Founder’s Agreement (not required, if there is only one founder), a decree (minutes of a meeting of participants, founders or shareholders – depending on the form of ownership) on appointing the head and the chief accountant, decision on establishing a limited liability company);

1.2. Copies of founders’, head’s (heads’), chief accountant’s passports;

1.3. Absence of tax arrears certificate (Social Fund, tax)

1.4  Financial statements (with the tax inspectorate mark).


 2. For IEs:

2.1. If the Borrower is an IE – patent or IE certificate;

2.2. Guarantor’s passport and declaration of marital status (if Guarantor is unmarried/divorced/widowed);

2.3. Guarantor’s certificate of marriage registration – submitted to confirm spousal relationship;

2.4. Spouse’s passport (if available), guarantor consent form;

2.5. As well as other documents necessary for processing a loan according to the legislation of the KR.

Management Board


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Payment schedule
Loan amount

No amount selected

Interest rate

No bid selected

Monthly installment


Total to return


The result of calculating a calculator is informative. Exact parameters loan will be calculated by the Bank on the results of your application.

For more information, please contact Bakai OJSC Bank".

Month Remainder Repayment Repayment % Payouts

The frequency and amount of loan payments may differ from those shown in According to terms of the loan agreement. This loan payment schedule is not a public offer and intended for reference only.


Foreign Exchange Rates

Purchase Sale
USD 77.7500 78.1500
EUR 87.2000 88.7000
RUB 1.0850 1.1030
KZT 0.1700 0.2000
GBP 90.0000 100.0000
CNY 9.0000 12.0000
Purchase Sale
USD 77.5000 78.5000
EUR 86.2000 88.8000
RUB 1.0300 1.1200
KZT 0.1400 0.2100
GBP 86.0000 101.0000
CNY 8.5000 12.5000
FX rate
USD 77.7979
EUR 88.1334
RUB 1.0976
KZT 0.1896
GBP 96.0947
CNY 10.9124

Course listed on 11.07.2020

Exchange rates are valid for Bishkek city. Exchange rates are valid for an amount of up to $1000 (or equivalent in other currencies), rates for amounts above$1000 are contractual