How Can a Labor Migrant Get Housing Financing from MIslamic?

21 September 2026

MIslamic has launched housing financing in Kyrgyzstan specifically for labor migrants. You can apply with documented income earned abroad, without a down payment, with a profit rate starting from 15% (annual markup starting from 8.31%).

The financing allows you to lock in the cost of housing now without waiting for further increases in real estate prices.

  • Profit rate starting from 15% (annual markup starting from 8.31%).
  • Available without a down payment — with a guarantee from the “Guarantee Fund.”
  • No penalties for late payments.
  • You can apply online.

How to apply?

  1. Find a suitable property.
  2. Submit an application in the MIslamic app.
  3. Wait for the bank’s response.
  4. Be present when the financing is finalized.

Go to MIslamic in the MBANK app, review the terms and check whether the financing is suitable for you — you can apply right now.

MIslamic — Islamic digital.
NBKR License No. 014/1.