MBANK offers appealing conditions for its loan products, suitable for a variety of purposes — from personal needs to business development or home improvement.
 

Consumer and Business Loan Special Offer — Favorable Terms for Achieving Your Goals
 

This special offer provides attractive conditions for obtaining loans for various purposes: from consumer needs to business development. The loans can be used for purchasing goods, expanding a business, or improving living conditions.
 

Online Loan
 

• Interest Rate: 22% per year
  Under the MBonus Loyalty Program:
  • Platinum: from 18% per year
  • Gold: from 20% per year

Consumer Loans
 

• Up to 500,000 KGS: from 22% per year
• Up to 750,000 KGS: from 21% per year
• Mortgage-secured: First 3 years — from 19% per year, then — from 20% per year

Business Loans
 

• Up to 500,000 KGS: from 22% per year
• Up to 750,000 KGS: from 20% per year
• Mortgage-secured: from 18% per year

Loan Term: up to 60 months
Currency: KGS
Offer Valid Until: June 30, 2025
 

Mortgage Loan Offer "My Home" — Make Your Dream of Owning a Home Come True
 

The "My Home" mortgage offer provides flexible terms for purchasing or building a home. With an attractive interest rate and long repayment period, you can take a step towards owning your home with maximum convenience and benefit.
 

• Interest Rates: First 3 years — from 19% per year, then — from 20%per year
• Loan Term: up to 120 months (10 years)
• Offer Valid Until: June 30, 2025
• Currency: KGS
• Refinancing: Refinancing of non-problematic mortgage loans from other financial institutions. Refinancing of current loans with our bank is not allowed.

Mortgage Financing Offer under the Murabaha Agreement — Favorable Conditions for Real Estate Purchases
 

This offer provides an opportunity to purchase or build a home with favorable conditions. Flexible loan terms are available to suit various situations, making home purchasing more accessible and comfortable.
 

• Profit Rate: 18% per year with an initial deposit of 20%; 17% per year with an initial deposit of 50%
• Financing Term: up to 96 months
• Currency: KGS
• Offer Valid Until: June 30, 2025

Auto Financing Offer under the Murabaha Agreement — Ideal Offer for Car Purchases
 

This special offer provides favorable terms for purchasing passenger cars, including options with no initial deposit and different rates depending on the loan amount and collateral conditions.
 

Financing Amount and Profit Rate
 

• Up to 1,000,000 KGS:
  • No Initial Deposit
  • Annual Profit Rate: from 22% (markup of 12.31% per year)
  • Financing Term: up to 60 months
• Up to 2,500,000 KGS:
  • Initial Deposit: from 10% to 30% of the car's value
  • Annual Profit Rate: from 21% (markup of 11.74% per year)
  • Financing Term: up to 60 months
• Up to 5,000,000 KGS:
  • Initial Deposit: from 30% or higher, or with real estate collateral of at least 30% of the total collateral value
  • Annual Profit Rate: from 20% (markup of 11.16% per year)
  • Financing Term: up to 60 months

Offer Valid Until: June 30, 2025
 

Murabaha Business and Consumer Financing Special Offer — Favorable Conditions for Business and Personal Needs
 

The Murabaha Business and Murabaha for Consumer Needs products are designed to finance businesses, agricultural projects, and the purchase of goods for any purposes that comply with Sharia law standards.
 

Financing Amount and Profit Rate
 

• Up to 500,000 KGS — No collateral or guarantees, profit rate from 21%per year.
• Up to 1,000,000 KGS — Financial guarantee or auto collateral, profit rate from 20% per year.
• For business/agro development (up to 36 months) with real estate collateral — profit rate from 17% per year.
• For purchasing any goods (up to 60 months) with real estate collateral — profit rate from 18% per year.

Currency: KGS
Offer Valid Until: June 30, 2025