Mortgage Financing on House.kg — from 15% per annum
Choose a property on House.kg and apply for financing from MBANK directly from the listing page.
How to Apply
Find a suitable property on House.kg. In the catalog, listings eligible for mortgage financing show an estimated monthly payment.
Open the listing, specify your down payment, and click “Apply”. Sign in and link your MBANK ID once.
Your application will be sent to MBANK automatically. The bank will contact you within 15 minutes and inform you of the preliminary review result.
What Types of Property Can You Purchase
Apartments and residential houses eligible for Murabaha mortgage financing.
Land plots that meet the bank’s requirements and are eligible for financing.
Premises and other commercial properties that meet the product requirements.
Mortgage Terms
For the first 36 months — 16% per annum; from month 37 — 17.99% per annum. With a down payment of 40% or more — 15% per annum for the entire term.
Financing amount — from KGS 250,000 to KGS 10,000,000. Term — from 3 to 120 months. Payments are made in equal installments.
For residential property — from 20% of the purchase price. Financing without a down payment may be available with additional collateral or a Kelechek guarantee. The guarantee fee is 2% of the guaranteed amount.
The promotional profit rate is valid through January 15, 2027, inclusive.
Choose a Property and Apply
Eligible listings on House.kg already show an estimated monthly payment. Open a listing, specify your down payment, and submit an application to MBANK.
FAQ
What is Murabaha mortgage financing?
It is an Islamic financing instrument: the bank purchases the selected property and resells it to the customer at a pre-agreed markup. It is not a conventional interest-bearing loan, but financing with the total cost known in advance.
Who can apply?
Individuals aged 21 to 65 at the time the application is reviewed.
What types of property can be purchased?
Residential property, a land plot, or commercial property, provided that the selected property meets the bank’s requirements.
What financing amount and term are available?
The amount ranges from KGS 250,000 to KGS 10,000,000. The term ranges from 3 to 120 months. Payments are made in equal installments.
What profit rate applies?
Under the special offer valid through January 15, 2027: 16% per annum for the first 36 months and 17.99% per annum from month 37. With a down payment of 40% or more, the profit rate is 15% per annum for the entire term.
Is a down payment required?
For residential property, the down payment starts from 20% of the purchase price. Financing without a down payment may be available with additional real estate collateral or a Kelechek guarantee from Guarantee Fund OJSC. The fee is 2% of the guaranteed amount. The purchased property serves as collateral; insurance is not required.
How do I apply on House.kg?
What happens after I submit an application?
The application is sent to MBANK automatically — 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 decline the application or invite you to a branch for further processing.