English
English
About Bank
Private clients
Business clients
«Mortgage» Loan is issued for the purchase of housing or a land plot for the construction of a residential building, and if there is a land plot, then for the construction of an individual residential building thereon. Refinancing of a mortgage loan issued for the above purposes (not related to the client’s insolvency) can be considered.
Currency
Loan amount
Interest rates
Loan period
Loan terms |
from 3 to 120 months |
Collateral |
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Initial fee |
аt least 30% of the value of the purchased property*** |
Surety |
required if a decision is made by the authorized body of the Bank |
Collateral insurance |
collateral insurance over 5 000 000 som or 50,000 US dollars |
Loan amount |
from 500 000 soms |
Annual interest rate* |
for the first 3 years — 18% per annum, thereafter 21% per annum |
from 3 to 120 months
аt least 30% of the value of the purchased property***
required if a decision is made by the authorized body of the Bank
collateral insurance over 5 000 000 som or 50,000 US dollars
from 500 000 soms
for the first 3 years — 18% per annum, thereafter 21% per annum
(promotion valid until December 31, 2025)
***If there is no down payment, it can be partially or completely replaced with additional collateral in the form of a real estate.
*Effective interest rate starting from 23,12%
**If the Bank’s valuation of the property being purchased is lower than the purchase price, additional collateral or a guarantee is required in accordance with the “Ipoteka Kelechek” product terms..
1. Passport of the Guarantor / Pledgor, TIN, information about registration and current place of residence. |
2. Certificate of Salary for the last 6/12 months, depending on the loan product (additional documents confirming receipt of additional income (if any). |
3. A copy of the marriage or divorce certificate of the Borrower, Guarantor, Pledger. |
4. Entitlement and title establishing documents for the collateral. |
5. Certificate of Absence of Prohibitions and Restrictions on the Proposed Collateral. |
6. If necessary, the Bank may request other additional documents. |
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Loans can be repaid through bank cash desks, as well as through Umai, Onoi, Pay24 and Quickpay payment terminals* |
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To repay a loan through terminals, you must follow the following steps: |
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1. Select the «Financial Services» menu on the terminal screen. |
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2. Next, select «KSB Commercial Bank» CJSC («KSB CB» CJSC). |
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3. Select «Loan Repayment». |
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4. Select the currency in which you wish to repay the loan. |
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5. Provide details – current account number. |
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6. Check that the entered data is correct and click «Next». |
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7. Enter the desired amount into the bill acceptor. |
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8. To complete the payment, click the «Pay» button. |
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The terminal closest to you can be found on the websites www.umai.kg, www.osmp.kg. Pay24 and Quickpay terminals are listed in 2GIS.kg. |
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More than 350 Umai terminals, 800 points of Onoy System and over 3,000 Pay24 terminals, 1,000 Quickpay terminals in Kyrgyzstan have been installed for your convenience! |
Loans can be repaid through bank cash desks, as well as through Umai, Onoi, Pay24 and Quickpay payment terminals*
To repay a loan through terminals, you must follow the following steps:
1. Select the «Financial Services» menu on the terminal screen.
2. Next, select «KSB Commercial Bank» CJSC («KSB CB» CJSC).
3. Select «Loan Repayment».
4. Select the currency in which you wish to repay the loan.
5. Provide details – current account number.
6. Check that the entered data is correct and click «Next».
7. Enter the desired amount into the bill acceptor.
8. To complete the payment, click the «Pay» button.
The terminal closest to you can be found on the websites www.umai.kg, www.osmp.kg. Pay24 and Quickpay terminals are listed in 2GIS.kg.
More than 350 Umai terminals, 800 points of Onoy System and over 3,000 Pay24 terminals, 1,000 Quickpay terminals in Kyrgyzstan have been installed for your convenience!
*Attention! When using terminals, a commission is charged.
500000
сом18%
2 450
сомMonth |
Repayment of the principal debt |
The amount of term interest |
The amount of a one-time payment |
Remaining debt after repayment |
|---|
*Effective interest rate 23,12% For the first 36 months — 18% annual interest, starting from the 37th month — 21% annual interest (the promotion is valid until December 31, 2025)
* The calculation is preliminary, it is not a public offer
