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How to keep your house warm and reduce utility costs?

According to experts, the average home loses approximately 40% of its internal heat through the walls, 18% through the windows, 10% through the basement, 18% through the roof, 14% through the ventilation system.

By warming your house, you can reduce energy consumption up to 90%.

Loan Target

  • Heat insulation of a roof, a balcony, a loggia, walls, a floor, a basement, etc.
  • Purchase of heating and water heating systems (warm floors, boilers, heaters, conditioners, etc.)
  • Purchase of plastic and aluminum windows, including glazing of balconies and loggias
  • Purchase of solar batteries
  • Purchase of generators, inverters



Loan Amount

USD from 300 to 100,000 (or equivalent in KGS)


From 6 months to 5 years

Interest rate

in USD -16% p.a.; in KGS - 22%; 

Interest paid as an advance

0,5% of the loan amount


Monthly, by equal installments

Early repayment

6 months earlier from the moment of loan disbursement – 5% fee of the earlier repaid amount; after 6 months – without a fee


Movable property, car, real estate and guarantee

Insurance of collateral

Not required

Requirements to income level

Monthly installment on the loan shall not exceed 50% of the family’s net income

In addition to the loan, you can receive overdraft card with limit up to 2 monthly installments. It does not require additional collateral. 

What is the difference between “Warm House” and “Warm House+” loans?

“Warm House”:

You obtain a loan from us and purchase products from any supplier.

“Warm House+”

  1. You obtain a loan and purchase products from the suppliers in our list.
  2. Our partner KyrSEFF returns you 10%-20% of the taken loan amount in case of target use of the loan facilities

What are the advantages of the “Warm House” and “Warm House+” Loans?

  • You receive compensation (grant) 10%-20%from our partner KyrSEFF for the “Warm House+” loan
  • The offered interest rates are favorable and one of the best at the Kyrgyz market
  • Loan repayments are made by equal monthly installments, allowing you to easily plan your monthly expenditures.
  • Warming your home you can significantly save on  energy costs
  • Loan up to USD 5,000 can be obtained without needing to pledge any real estate.

You can refer to the nearest KICB branch for additional information.

 *- Effective interest rate: USD from 18,02%, KGS from 25,33%


Calculator *

*Calculations provided in the given calculator are of demo-version and may slightly differ from real payments in the provided type of loan.
Loan Currency Monthly income
Loan Amount
Rate Tensure