KICB

Joy of Life
celebrate a joy!

Are you looking into making your house better, buying new home electronics or just making a vacation trip?

To help you extend your capabilities and reach desired goals we offer a quick solution – Personal Loan.

What are the gains of Personal Loan?

You can use these funds for any purpose you’d like;
Maturity period is up to 5 years, which considerably facilitates the monthly payment burden;
Fixed regular payments allow consistent budgeting;
No need to wait for years to make your dream come true.

Terms and conditions:

Currency	USD, KGS
Loan Amount	$1,000-$200,000 (equivalent in KGS) Depends on income level and collateral value Not more than 50% of the market value of a collateral
Loan Purpose	Personal
Collateral	Real estate Location Bishkek + improved suburbs
Minimum contribution of the borrower	Not required
Maturity	Up to 5 years
Interest rate	1. Up to USD 2,000 - in USD - 27% p.a.; in KSG - 28,5% p.a.; 2. USD 2,001 - USD 10,000 - 24% p.a.; in KGS - 28,5% p.a.; 3. Above USD 10,001 - 19%-27% p.a.; in KGS from 23%-28,5% p.a.;
One-time interest	1%
Repayment	Monthly equal payments
Early repayment	During first 3 months – penalty fee is 5% of repaid amount After 3 months – no penalties, if the credit is repaid using own funds
Insurance of collateral	Required
Income level	Monthly repayment of loan should not exceed 50% of net family income.