Consumer loans

Conditions applicable to provision of consumer loan:

• Currency: som/USD
• Credit amount: from 10,000 soms to 2 million soms
• Interest rate*: KGS – from 25%
• Credit term: from 3 months to 3 years
• Guarantee:

  1. from 5,000 to 300,000 soms inclusive, without surety, without collateral and without the consent of the spouse
  2. over 300,001 to 500,000 soms inclusive, under the surety of the 1st person (PRIORITY) and/or under the pledge of movable property and the consent of the spouse is mandatory
  3. over 501,000 soms, the requirement for collateral in the form of real estate is mandatory

Requirements for a borrower:

• Age- from 18 to 70 years
• Presence of permanent income
• Presence of entrepreneurial activity experience not less than 3 months;

The list of main documents:

• Copy of debtor’s and his/er wife’s (husband’s) passport with registration.
• Copy of the marriage certificate
• Other documents confirming family’s income (when present)
• Certificate of employment and income for the last 12 months (when present)
• Constitutive documents and datasheet for the collateral (when collateral is needed)

Additional documents for entrepreneurs:

• Registration certificate of a private enterprise or patents
• Other documents that can directly or indirectly confirm the fact of gaining income (turnover in the cash book, internal accounting records etc.)

You can find the address and contact phone number of the closest Bai Tushum Bank office in section “Contacts” or find out in Bank’s Call center using the phone number: (312) 905 805.

* effective interest rate is from: KGS- 30,58%  

** The interest rate and repayment schedule depends on the requested amount, loan term, solvency, collateral provided and others. Sales specialist will provide you with the repayment schedule, according to the requested amount and the above conditions.