New Year in Your Own Home!
Benefits
Special Promotional Terms
Get a mortgage at a special interest rate starting from 15.99% per annum.
Special Promotional Terms
Get a mortgage at a special interest rate starting from 15.99% per annum.
Special Promotional Terms
Get a mortgage at a special interest rate starting from 15.99% per annum.
Cashback of up to KGS 100,000
Receive up to KGS 100,000 in cash after taking out a mortgage.
Cashback of up to KGS 100,000
Receive up to KGS 100,000 in cash after taking out a mortgage.
Cashback of up to KGS 100,000
Receive up to KGS 100,000 in cash after taking out a mortgage.
Property Selection
Mortgage Terms
| Loan amount | From 350,000 KGS | ||
| Loan term | From 6 to 96 months | ||
| Annual interest rate (%) | |||
| For employees of payroll projects | Up to 36 months – 15.99% | Up to 60 months – 15.99% | Up to 96 months – 17% |
| For employees of non-payroll projects | Up to 36 months – 17% | Up to 60 months – 17% | Up to 96 months – 18% |
| EAIR (Effective Annual Interest Rate) | From 17.5% per annum | ||
| Collateral | The purchased real estate is pledged as collateral. Its market value (as assessed by the Bank) must be at least twice the loan amount. | ||
| Early repayment penalty | Not applicable | ||
| Availability of own funds | At least 30% of the value of the property being purchased | ||
Cashback Amounts
| Actual Loan Disbursement Amount | Cashback Amount | First Payment | Second Payment |
| Up to and including KGS 2,000,000 | 0.6% of the actual loan disbursement amount | 100% of the Cashback within 5 business days from the date of actual loan disbursement (subject to Clause 4.6) | Not applicable |
| From KGS 2,000,001 to KGS 5,000,000 inclusive | 0.6% of the actual loan disbursement amount | 30% of the Cashback within 5 business days from the date of actual loan disbursement (subject to Clause 4.6) | 70% of the Cashback no later than 5 business days after the expiry of 3 calendar months from the date of loan disbursement, subject to compliance with the Rules |
| From KGS 5,000,001 to KGS 10,000,000 inclusive | 0.7% of the actual loan disbursement amount | 30% of the Cashback within 5 business days from the date of actual loan disbursement (subject to Clause 4.6) | 70% of the Cashback no later than 5 business days after the expiry of 3 calendar months from the date of loan disbursement, subject to compliance with the Rules |
| From KGS 10,000,001 | Fixed amount of KGS 100,000 | 30% of the Cashback within 5 business days from the date of actual loan disbursement (subject to Clause 4.6) | 70% of the Cashback no later than 5 business days after the expiry of 3 calendar months from the date of loan disbursement, subject to compliance with the Rules |
The full terms and conditions of the promotion are available via the link: Promotion Terms and Conditions.
How to get a mortgage?
STEP 3
Contact the bank
Visit any branch of the bank with a completed application form Visit any branch of the bank with a completed application form and the required set of documents.
STEP 4
Review
The application will be reviewed within 5 business days, after which you will be informed of the Bank's decision*
*The loan review period may be extended at the bank's discretion
Choose the loan amount and term
1 month
1 %
1 month
The calculator results are preliminary. You will be able to receive personalized terms after submitting your application.
Frequently Asked Questions
Who can participate in the campaign?
Legally competent individuals who are citizens of the Kyrgyz Republic and aged between 18 and 65 inclusive. The loan must be actually disbursed during the campaign period. The loan term must be at least 3 months. The customer must not have previously received cashback under this campaign.
How and when will I receive the cashback?
The cashback will be credited to the customer's account in two stages: 30% — within 5 business days after the mortgage loan is disbursed. 70% — after 3 months. For more detailed information about the cashback crediting procedure and method, please contact DemirBank specialists.
What is the campaign period?
The campaign runs from November 9 to December 28, 2026. Important: The loan must be actually disbursed during the campaign period. Approval of a loan application without actual loan disbursement does not entitle the customer to receive cashback. Cashback payments may be made even after the campaign has ended.