Who can qualify:

Individuals and sole proprietors (patent, certificate).

Age from 21 to 65 years, for payroll and/or pension cardholders of the Bank - age up to 70 years is allowed;
Residents or citizens of the Kyrgyz Republic;
Permanent income, confirmed by documents..

Type of loan	Currency	Interest rate, per annum
for payroll	KGS	20%*
for third-party individuals	KGS	22-23%*

Effective interest rate:

For payroll and/or pension cardholders of the Bank - 22%;

For individuals with proof of official income - 24.42-25.65%.ru

Product features

All purpose consumer loans not prohibited by the legislation of the Kyrgyz Republic

Loan currency: only in national currency

Loan term: from 3 to 60 months

Loan amount: from 100,000 soms to 5,000,000 soms

Purpose:

Purchase of furniture, appliances and household items, repair and/or purchase of a car, payment for education, payment for treatment, travel and recreation, celebrations and family events, refinancing of non-problem loans in other banks and FCIs and other consumer purposes.

Loan repayment: monthly annuity, monthly principal amount in equal installments.

Early repayment/partial early repayment: commission-free

Borrower's passport;
Marriage certificate - provided to confirm spousal relationship;
Passport of a spouse (if any);
Patent (for last 3-6 months) /Certificate (reference from tax/social fund on absence of debts)/Income certificate for the last 3-12 months; *.
Cosigner's passport;
Documents on pledge (real estate);
Cosigner's marriage rcertificate - provided to confirm marital relationship;
Passport of a spouse (if any);
Certificate of income for the past 3-12 months;*.
Certificate of income or other documents confirming income;
And also other documents necessary for takig out a loan, according to the legislation of KR.

*If there are contributions to the Social Fund of the Kyrgyz Republic, the certificate of salary is not required

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This loan calculator provides only estimate amount of payments.

For more information, please contact OJSC “BAKAI BANK”.

Month	Remainder	Repayment	Repayment %	Payouts

Frequency and amount of loan payments may differ from those specified in accordance with the terms of the loan agreement. This loan payment schedule is not a public offer and is intended for information purposes only.