DemirBank offers you the best solution! Use the "Comfortable Life" Loan within the KyrSEFF project. 

  • Increasing comfort in the house: extension of the living space, extension of the living space, maintaining the heat temperature, noise reduction, etc.
  • Driving down costs of the public utility payments
  • Getting grant up to 20% of the loan amount
  • Technical consultation free of charge.

Loan amount From KGS 25 000 to KGS 4 500 000
Loan term from 6 to 60 months
Annual interest rates for loans in KGS 20%
COLLATERAL from KGS 25 000 to KGS 100 000 2 Individual guaranties
from KGS 100 001 to KGS 500 000 2 Individual guaranties
(applicable only for DKIB salary projects' staff)
from KGS 100 001 to KGS 4 500 000 Movable and/or immovable property, which market value (estimated by the Bank) is at least two times more than loan amount, and 1 Individual guaranty, applicable for the Bank
Penalty for earlier repayment first 6 months of loan term 5% for earlier repayment amount (min KGS 2 000)
after 6 months of loan term
Not applicable
in case of closing loan due to getting new one
Up-front fee for loan organisation and arrangement 1% of loan amount
Own funds not needed
Loan will only be available for purchase and installation of items that have been approved by KyrSEFF. A list of pre-approved equipment is available on the KyrSEFF website ( If the required equipment is not in the list, the issue of its purchase may be considered by KyrSEFF.

In case of any questions you may contact DemirBank Contact-center:
+996 (312) 90 90 60 – Bank specialists will inform you about necessary information;