Gasification of households
Specific loan aimed to finance expenses for connecting to natural gas and installation of required equipment in dwelling houses in Bishkek for payments by installment. Financing covers expenses for the following works: projection and installation of gas pipeline, heating gas boiler, purchase of materials for building and construction works.
Advantages of financing from Bank “Bai Tushum”:
- Period of application consideration for loan 1-2 days.
- Minimum list of documents: borrower’s passport, documents for collateral, certificate on income, budget for installation of gas equipment prepared by experts of LLC “Gasprom Kyrgyzstan”.
- Collateral by loan will be purchased gas equipment.
- Opportunity to repay loan through Internet-banking and e-purse.
Conditions of loan:
- Currency: KGS
- Maturity: from 3-18 months
- Interest rate: 28% p.a.*
- Region of financing: Bishkek
- for individual loans
– purchased equipment and materials: pipes, gas boilers and etc. And guarantee of 1 person from family members, relatives.
- for group loans
— guarantee of group members, purchased equipments and materials:pipes, gas boilers.
Lending for people under 25 for amount over 50 000 KGS (eqv. In foreign currency), one of the parents should be a guarantor, in case of absence of stable income additional guarantee of one person is required.
List of documents:
- passport copies of borrower, spouse and guarantor (if present);
- Certificate on salary or income received for/during the last 12 months. Continuous work experience should be not less than 3 months or copy of pension book with note from Social Fund of KR on amount of pension for the last 12;
- Documents, confirming amount of income of family members (if required);
- Budget for connecting to gasification (installation of gas pipeline, boiler and etc.) provided by LLC “Gasprom Kyrgyzstan”.
Additional requirements to entrepreneurs:
- Copy of registration certificate of patent of individual entrepreneur (if present);
- Documents, confirming income (turnover by cash book, records of internal accounting).
Scheme of connecting dwelling houses to gasification and receiving financing
1.Preparing of sketch drawing of gasification and installation of boiler
1. Applying for loan at service center of “Gasprom Kyrgyzstan” or offices of “Bai Tushum”
1.Approving of loan application and concluding agreement between Bank and applicant
1. Work on installation of gas pipeline and boiler.
|2. Preparing budget for gasification||2. Providing documents for receiving of loan.||2. Transferring money for current account of LLC “Gasprom Kyrgyzstan”, suppliers of materials and hearing gas boilers.||2. Connecting to the system of gasification of LLC “Gasprom Kyrgyzstan”|
|period: 10 days from the day of appealing||Term of application consideration: 1-2 days from the day of providing the required documents||Term of transferring fund: 1-2 days from the day of concluding agreement||Term is set by experts of LLC “Gasprom Kyrgyzstan”|
Partners of program:
|Name of organization||Service/equipment||Address, contacts|
|LLC «Tansu»||Heating boilers||Bishkek, Kalyk Akieva st., 52 ph: (312) 651034|
|LLC «Binkor»||Pipes||Bishkek, Auezova st., 24|
Sample schedule of loan repayment
- amount: 100 K KGS,
- Maturity: 12 months,
- Interest rate: 28% p.a.
|№||Date||Principal amount||Amount of interest||Total amount|
|1||january||7 317,27||2 333,33||9 650,60|
|2||february||7 488,00||2 162,60||9 650,60|
|3||march||7 662,72||1 987,88||9 650,60|
|4||april||7 841,52||1 809,08||9 650,60|
|5||may||8 024,49||1 626,11||9 650,60|
|6||june||8 211,73||1 438,87||9 650,60|
|7||july||8 403,33||1 247,27||9 650,60|
|8||august||8 599,41||1 051,19||9 650,60|
|9||september||8 800,06||850,54||9 650,60|
|10||october||9 005,40||645,20||9 650,60|
|11||november||9 215,52||435,08||9 650,60|
|12||december||9 430,56||220,05||9 650,61|
|Total||100 000,00||15 807,20||115 807,20|
*effective annual rate 32.01%
To applying for loan “Gasification of households” refer to service center “Gasprom Kyrgyzstan” located: Bishkek, Gorkogo st., 22, tel.: +996 (312) 53 02 02
Bank “Bai Tushum” by the following addresses: http://www.baitushum.kg/en/branches/#region-1