Mortgage loan

Purpose – for acquiring residential real estate


up to 10 years


from 18%


up to 15 000 000 KGS




до 10 лет


от 18%

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
до 15 лет
от 6%

Mortgage loan for acquiring other property of the Bank

up to 10 years
from 4%
up to 15 000 000 KGS
до 7 лет
от 4%

Приносим свои извинения, сервис временно недоступен
в связи с последними событиями



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 77.8000 78.2000
EUR 87.0000 88.5000
RUB 1.0750 1.0950
KZT 0.1700 0.1950
GBP 90.0000 100.0000
CNY 9.0000 12.0000
Purchase Sale
USD 77.5000 78.5000
EUR 86.0000 89.0000
RUB 1.0300 1.1200
KZT 0.1400 0.2100
GBP 86.0000 101.0000
CNY 8.5000 12.5000
FX rate
USD 77.2200
EUR 87.1891
RUB 1.0824
KZT 0.1903
GBP 96.0947
CNY 10.9124

Course listed on 07.07.2020

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