Mortgage loan

Purpose – for acquiring residential real estate

up to 10 years


from 18%


up to 15 000 000 KGS


When you take out a loan, you are investing in your own property; when you rent an apartment, you are investing money in other people’ property. Using a mortgage loan from Bakai Bank, you can experience the joy of moving to a new house or apartment immediately.

Purpose – for acquiring residential real estate.

Advantages of a Mortgage Loan in our Bank:

  • Attractive interest rates;
  • Possibility to take out a loan for a period of up to 10 years;
  • High loan amount – up to KGS 15 000 000;
  • Individual approach to each client;
  • Possibility to acquire real estate in any region where Bakai Bank OJSC is represented;
  • Loan is provided in KGS, RUB, USD, and EUR.

Terms and conditions for taking out a loan

Loan period:

from 36 to 120 months (Over 60 months – only in US dollars)

Loan amount and interest rates:

from USD 1 000 to 200 000; 18% per annum; 

from KGS 75 000 to15 000 000; 22%; 

from EUR 1 000 to 200 000; 18% per annum; 

from RUB 75 000 to 15 000 000; 21%.

Repayment procedure:

Monthly by equal installments (annuity payments);

Minimum initial installment is 40%


Purchased real estate and/or other real estate, guarantee;

In case of a justified appeal by the Client to change loan terms and conditions, the Bank can change these on an individual basis.


  • Age: from 20 to 60 at the moment of taking out a loan;
  • Permanent or temporary registration on the territory of the Bank branch that is reviewing the application;
  • Period of working at the last job: at least 12 months.
  • Borrower’s passport;   
  • Passport of Borrower’s spouse;
  • Certificate of marriage registration/ dissolution, certificate of spouse’s death;
  • Certificate of residence;
  • Documents confirming Borrower’s income in the last 12 months;
  • Patents – for individual entrepreneurs;
  • Guarantor’s passport with city registration;
  • Documents proving Guarantor’s income in the last 12 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