Optima Bank
Mortgage for payroll clients
4.7- APR
- 15.5%
- Rate
- 14.9%
- Up to
- 12 M KGS
- Down payment from
- 15%
- Term up to
- 20 yrs
- Instalment
- 66,852 KGS
Payroll clientsOnline application
Secondary housing mortgages in 2026
14 programmes in 12 banks, rates from 14.9%. Flats and houses with land in any region.
For whom
Loan amount: 4,800,000 KGS
Aiyl Bank
Rural mortgage
4.4- APR
- 15.7%
- Rate
- 15%
- Up to
- 5 M KGS
- Down payment from
- 15%
- Term up to
- 20 yrs
- Instalment
- 67,180 KGS
Regions
KICB
Ready housing
4.8- APR
- 17.1%
- Rate
- 16.5%
- Up to
- 15 M KGS
- Down payment from
- 20%
- Term up to
- 25 yrs
- Instalment
- 72,178 KGS
MBank
Secondary housing
4.7- APR
- 17.5%
- Rate
- 16.8%
- Up to
- 12 M KGS
- Down payment from
- 20%
- Term up to
- 20 yrs
- Instalment
- 73,193 KGS
Online application
Bakai Bank
Secondary housing
4.7- APR
- 18.3%
- Rate
- 17.5%
- Up to
- 10 M KGS
- Down payment from
- 20%
- Term up to
- 15 yrs
- Instalment
- 75,580 KGS
Halyk Bank Kyrgyzstan
Secondary housing
4.5- APR
- 18.6%
- Rate
- 17.9%
- Up to
- 10 M KGS
- Down payment from
- 20%
- Term up to
- 15 yrs
- Instalment
- 76,955 KGS
Payroll clients
Mortgage programme comparison
Loan of KGS 5,000,000, 20% down, 15 years, annuity payments
| Bank | Programme | APR | Rate | Monthly instalment | Overpayment |
|---|---|---|---|---|---|
| Optima Bank | Mortgage for payroll clients | 15.5% | 14.9% | 69,637 KGS | 7,534,698 KGS |
| Aiyl Bank | Rural mortgage | 15.7% | 15% | 69,979 KGS | 7,596,284 KGS |
| KICB | Ready housing | 17.1% | 16.5% | 75,185 KGS | 8,533,377 KGS |
| MBank | Secondary housing | 17.5% | 16.8% | 76,243 KGS | 8,723,669 KGS |
| Bakai Bank | Secondary housing | 18.3% | 17.5% | 78,729 KGS | 9,171,204 KGS |
| Halyk Bank Kyrgyzstan | Secondary housing | 18.6% | 17.9% | 80,162 KGS | 9,429,083 KGS |
АЖ
Expert opinion
Aigul Zhumabekova · Head of Mortgages, FinMarketKG
Don't forget the tax deduction: the Kyrgyz Tax Code lets you reclaim income tax on mortgage interest — up to KGS 230,000 a year. Ask your bank for a certificate of interest paid and file a return via the taxpayer cabinet. On a KGS 45,000 monthly instalment that saves up to KGS 23,000 every year. And before visiting a bank, check your eligibility for Menin Uyum: the difference between 8% and 16% over 20 years is almost double the overpayment.
Frequently asked questions
It orders an appraisal from an accredited valuer, requests a Gosregister extract on encumbrances, checks the construction year (usually after 1965–1970) and the absence of illegal alterations against the technical passport.
How to get a mortgage in 2026
- 1
Choose a programme
Compare rate, APR and down payment. Check eligibility for the SMC state programme — it saves up to half the overpayment.
- 2
Apply
Fill in the form on FinMarketKG — a preliminary bank decision in 1–3 days without visiting a branch.
- 3
Find a home
You have 60–90 days to search. Order an appraisal from an accredited valuer and collect the seller's documents.
- 4
Sign and register
Agreement at the notary, pledge registration at Gosregister in 3–5 days — and the bank pays the seller.
Eligibility
- Kyrgyz citizenship, age 21+; no older than 65–70 at maturity
- Official income: employer certificate or Social Fund statement via Tunduk, 6+ months at the current job
- Payments on all loans no more than 50% of total family income (co-borrower — spouse or relative)
- Down payment from 5–10% under SMC programmes and from 20–30% at banks
- Positive credit history at the Ishenim bureau — no delinquencies over 30 days in the last 2 years
- Home insurance is mandatory; life and title insurance are optional and lower the rate by 0.5–1 pp
Subsidised mortgage programmes in Kyrgyzstan
SMC and partner bank programmes, 2026
| Programme | Rate | Who | Down payment | Term | Up to |
|---|---|---|---|---|---|
| SMC Menin Uyum — public sector | 6–8% | Employees of state bodies and public institutions with 3+ years of service | 10% | up to 25 years | 6 M KGS |
| Social mortgage | 4% | Large families, persons with disabilities, low-income families | 5% | up to 25 years | 4 M KGS |
| For teachers and doctors | 5% | Teachers and medical staff of public institutions | 10% | up to 25 years | 5 M KGS |
| Young family | 8% | Spouses under 35, first home | 10% | up to 20 years | 5.5 M KGS |
| For military personnel | 6% | Military, police, security and emergency staff with 5+ years of service | 10% | up to 25 years | 6 M KGS |
| Regional mortgage | 6% | Housing purchase outside Bishkek and Osh | 10% | up to 25 years | 5 M KGS |
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