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 |
Loan amount |
from 200 000 soms to 20 000 000 soms / from 3 000$ to 250 000$ |
Annual interest rate* |
from 18% to 20% depending on the amount and loan term |
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 |
Collateral |
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from 3 to 120 months
from 200 000 soms to 20 000 000 soms / from 3 000$ to 250 000$
from 18% to 20% depending on the amount and loan term
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
*Effective interest rate starting from 21,92%
**If the bank estimate of the value of the purchased property is lower than the acquisition cost, additional collateral is required.
***If there is no down payment, it can be partially or completely replaced with additional collateral in the form of a real estate.
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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8. To complete the payment, click the «Pay» button. |
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7. Enter the desired amount into the bill acceptor. |
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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».
8. To complete the payment, click the «Pay» button.
7. Enter the desired amount into the bill acceptor.
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 21,92%
* The calculation is preliminary, it is not a public offer
