Product Image

Mortgage for purchase of other bank owned real estate Mortgage

to 15 000 000 soms
20 % of total amount or a collateral
Down payment
purchase of the bank owned real estate
to 10 years
from 8 %

Down Payment on a Loan



Loan Term 

Down payment 20% to 40%


10% (first 24 months)                

11% (next 24 months)

12% (remaining 72 months)

to 120 months 

12% (first 24 months)

14% (next 36 months)


to 60 months

Down payment 50% and up


8% (first 24 months)               

9% (next 24 months)

10% (remaining 72 months)

to 120 months 

10% (first 24 months) 

12% (next 36 months)


to 60 months

Additional collateral (with no down payment) 


12% (first 24 months)                  

13% (next 24 months)

14% (remaining 72 months)

to 120 months

14% (first 24 months)  

16% (next 36 months)


to 60 months

*Effective interest rate from 8,36% per annum.

Who can qualify:

Individuals with at least of 1 year of work experience. Individual (private) entrepreneurs and legal entities with a stable business, operating for at least 6 months (continuously) at the time of loan application.


Loan currency:soms and U.S. dollars

Minimum amount:from 1,000 USD / 75,000 soms and over

Purpose: purchase of real estate acquired as seized property by the Bank 

Term of the loan: 3 months to 120 months



1. Real estate

2. Motor vehicles (cars, trucks, passengers)

3.Personal items

4. Equipment (including containers and pavilions)

5. Goods for sale

6. Guarantee

7. Other types of collateral that meet the bank's requirements and approved by the Loan Committee


Loan repayment schedule:

  • Monthly, principal and interest in annuity payments
  • Monthly, the main debt in equal installments, interest on the fact of credit use
  •  Flexible schedule (in some cases), principal and interest depending on the seasonality of the given business
  • Other types of repayment as per Loan Committee decision


Requirement for borrowers:

  • Age from 21 to 65 years old
  • Be a citizen of the Kyrgyz Republic
  • Have a permanent documented income

List of required documents according to the bank's IRD

Follow the link to see the list of the bank owned property being sold   

Рассчитайте свой кредит

Loan amount

Amount not selected

Interest rate

28 %

Monthly payment


Total repayment


Submit a request for assistance

You can either by sending or by calling us for consulting

We guarantee the security of your information

Explore other bakai bank loan options


Purpose: purchase of real estate property