Mortgage

Conditions applicable to provision of consumer loan:

• Currency: som,
• Loan amount: from 500,000 to 10 million soms
• Interest rate*: from 19% per annum
• Loan terms: to 10 years
• Own contribution: at least 30%

• 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:

• A copy of the passport of the borrower and spouse, guarantors and pledger and spouse, if the pledger is a third party;
• A copy of the passport of the current owner (seller) of housing;
• Documents on the marital status of the borrower, guarantor (and mortgagor, if any);
• Notarized consent of the spouse (spouse) to provide housing as a pledge;
• Notarized consent of the spouse (spouse) of the seller for the sale of housing;
• Documents confirming the receipt of income by the applicant, the guarantor in accordance with internal regulations;
• Documents for pledged real estate (registration certificate, title document, certificate of the absence of a ban);
• Documents for the acquired real estate;
• State act for land acquisition or a lease agreement (when using 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.