State Mortgage Company

State Mortgage Company

up to 15 years


from 6%


up to 3 000 000 KGS


Loans via the SMC ‘Mortgage’ Program for individuals

• Purchase of housing

Selection criteria:

1. Inclusion in SMC lists;
2. At least one year of experience at the last (current) place of work or a total work experience of at least 3 years;
3. Client and his/her family members should have no own housing (confirmation – certificate from the State Register);
4. Client and his/her family members should have no civil transactions with residential premises in the last 3 years prior to the date of submitting an application to participate in the Program (confirmation – certificate from the State Register);

5. Initial installment is minimum 10% of the cost of purchased property. If the client cannot deposit these funds, additional collateral in the form of real estate can be provided;
6. KR citizens aged 21 and above; at the same time, the final loan repayment should be made before the client reaches the age of 65;


• KG Som

Loan amount:

• up to 3 000 000,

Criteria for real estate being purchased:

1. Purchased real estate should correspond to the “Minimal requirements to housing, purchased within the scope of SMC OJSC financing”
2. Total area of an apartment in apartment houses: not more than 80 sq. meters.
3. Total area of an individual house: not more than 150 sq. meters.
4. Housing purchased through mortgage should be situated within a radius of at most 60 km from a settled area, where the program participant is working.
5. The cost of 1 sq. meter of purchased real estate should not exceed KGS 60 000.

Interest rate:

Own input

from10% to 20%

from 20% to 30%

from 30% and over 









• from 12 to 180 months

Management Board

State Mortgage Company

up to 15 years
from 6%
up to 3 000 000 KGS

Mortgage loan for acquiring other property of the Bank

up to 7 years
from 12%
up to 15 000 000 KGS

Leave a request



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 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 05.04.2020

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