Mortgage

Conditions applicable to provision of consumer loan:

• Currency: som,
• Loan amount: from 500,000 to 10 million soms
• Interest rate*: from 17% per annum
• Loan terms: to 10 years
• Own contribution: at least 50%

• Collateral: purchased or other real estate.
• Insurance: Carried out for the first 3 years. Insurance is mandatory when buying a house.

Requirements for the borrower:

• Age – from 22 to 70 years
• Presence of permanent income
• Presence of entrepreneurial activity experience not less than 3 months;

List of required documents:

• Copy of the borrower’s and spouse’s passports, as well as the guarantor’s and their spouse’s (if a third party is involved);
• Documents regarding the marital status of the borrower (and the guarantor, if a third party is involved);
• Notarized consent from the seller’s spouse for the sale of the property;
• Documents confirming income (from entrepreneurial activity that has been continuously operating for at least 6 months: copies of patents, certificate of livestock/land ownership, and others; in the form of salary received continuously for at least 6 months);
• Documents for the real estate being pledged (technical passport, title document, certificate of absence of restrictions);
• State act for land allocation or lease agreement (if using the land).

Additionally, when participating in shared construction and individual housing construction:

• Equity participation agreement, when acquiring housing under construction;
• State act on the right of private ownership of a land plot;
• In the construction of individual housing – the estimated cost of housing construction;
• Other documents required to make a decision on issuing a loan.

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-20,74%  

** 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.