Small loans

Small loans

up to 5 years

Period

from 11%

Rate

Up to 20 000 000 KGS

Amount

Target audience: 

1. Entrepreneurs (individuals) working on the basis of a patent or as PE;

2. Legal entities.

 

Intended use:

Replenishment of working/fixed assets;

For all business development purposes;

Investments (acquiring fixed assets, investing in construction, and other). At the same time, client’s participation in the amount of at least 20% of the total project sum is mandatory;

Re-financing performing loans in other banks and financial institutions;

 

Amount to be issued:

•           From KGS 2 500 001 to 20 000 000;

•           From RUB 2 500 001 to 20 000 000;

•           From USD 50 001 to 300 000;

•           From EUR 50 001 to 300 000;

•           From KZT 15 000 001 to 37 750 000.

 

Repayment procedure

Loan repayment and interest payment is made monthly (once a month) by annuity payment;

A flexible loan repayment schedule may be negotiated depending on the seasonality of business, etc.

It is possible to repay the principal debt once a quarter, however, interest payments are made monthly.

 

Business operation period

At least 12 months

 

Guarantee:

At least 1 guarantor is required. If the borrower is a legal entity then the guarantor must

 

Collateral:

Real estate

 

For replenishing working capital: from 3 to 36 months;

For replenishing fixed assets: from 3 to 60 months;

For investment projects: from 3 to 60 months.

1. Borrower’s passport;  

2. Certificate of marriage registration – submitted to confirm spousal relationship;

3. Spouse’s passport (if available);

5. Documents for business

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

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

8. Passport of Guarantor’s spouse (if available);

9. Certificate of salary for at least the last 12 months (in tabular form – accrued, deducted, net pay) or other documents confirming Guarantor’s solvency;

10. As well as other documents necessary for processing a loan.

Management Board

Microloan

Period
up to 5 years
Rate
from 12%
Amount
up to 2 500 000 KGS

Small loans

Period
up to 5 years
Rate
from 11%
Amount
Up to 20 000 000 KGS

Corporate loans

Period
up to 5 years
Rate
from 10%
Amount
from 5 000 000 KGS

Russian-Kyrgyz Development Fund

Period
up to 5 years
Rate
from 5%
Amount
from USD 1 000 000

Mortgage loan for commercial purposes

Period
up to 10 years
Rate
from 18%
Amount
up to KGS 20 000 000

Mortgage loan for commercial purposes

Period
up to 7 years
Rate
from 7%
Amount
Up to 15 000 000 KGS
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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.

News

Foreign Exchange Rates

Purchase Sale
USD 84.0000 84.7000
EUR 89.0000 94.0000
RUB 1.0600 1.1100
KZT 0.1600 0.2000
GBP 90.0000 103.0000
CNY 9.0000 13.0000
Purchase Sale
USD 84.0000 85.0000
EUR 88.0000 95.0000
RUB 1.0200 1.1600
KZT 0.1400 0.2050
GBP 88.0000 104.0000
CNY 8.0000 14.0000
FX rate
USD 84.8988
EUR 92.7010
RUB 1.0895
KZT 0.1897
GBP 97.5731
CNY 11.3068

Course listed on 06.04.2020

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