Real Estate with Installment Plans — starting at 15% APR

It is an Islamic financing instrument: the bank purchases the selected property and resells it to the customer with a pre-agreed fixed markup. This is not a conventional interest-bearing loan, but financing where the total additional amount payable is known in advance.

Individuals aged between 21 and 65 at the time the application is reviewed.

Residential property, land plots, or commercial property, provided that the selected property meets the bank’s requirements.

The financing amount ranges from KGS 250,000 to KGS 10,000,000. The term ranges from 3 to 120 months. Repayments are made in equal instalments.

Under the promotion valid until 15 January 2027, the rate is 16% per annum for the first 36 months and 17.99% per annum from the 37th month onward. With a down payment of 40% or more, a rate of 15% per annum applies for the entire financing term.

For residential property, the down payment starts from 20% of the property value. Financing without a down payment is available if additional real estate is provided as collateral or a Kelechek guarantee is issued by OJSC Guarantee Fund. The fee is 2% of the guaranteed amount. The purchased property serves as collateral, and insurance is not required.

Choose a listing that displays the monthly payment section, open it, enter your down payment amount, and click “Apply.” Then sign in to House.kg and link your MBANK ID — this only needs to be done once. The feature is available on the website. To use it in the app, update House.kg to the latest version.

Your application will be sent automatically to MBANK — no additional forms need to be completed on House.kg. The bank will contact you within 15 minutes. Following the preliminary review, the bank will either inform you that your application has been declined or invite you to a branch to continue the application process.