Consumer loan
The optimal choice if you need a loan up to KGS 100 000 WITHOUT pledging!
Loan purposes:
LOAN ADVANTAGES IN DemirBank:
| Loan purpose | - any consumer needs - purpose of education | - repair of the house and other real estate (capital, reconstruction) | |
| Loan term | From 6 to 36 months | From 6 to 60 months | |
| Annual interest rates for loans in KGS | for employees of salary projects | 23% - amounts up to 300 000 kgs 24% - from 300,001 kgs | 22,00% |
| for non-salary projects | 25,00% | 24,00% | |
| COLLATERAL | For staff: | Amount: | Amount: |
| a) without guarantee | for employees of salary projects | 15 000 - 300 000 kgs | - |
| for non-salary projects | 15 000 - 100 000 kgs | - | |
| b) 1 Individual guarantee | for employees of salary projects | 300 001 - 500 000 kgs 350 000 - 500 000 kgs (up to 36 month) – for capital home fix | 350 000 - 500 000 kgs (up to36 month) – repair of the house and other real estate (capital, reconstruction) |
| for non-salary projects | 100 001 - 300 000 kgs | - | |
| 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, or | for employees of salary projects | from 500 001 kgs | |
| for non-salary projects | from 300 001 kgs | ||
| Penalty for earlier repayment | N/A | ||
| Own funds | not needed | ||
*Annual effective interest rate – from 24,36 %
In case of any questions you may contact DemirBank Contact-center:
+996 (312) 90 90 60 – Bank specialists will inform you about necessary information;
How to get a loan?
- Prepare the necessary documents (the list of documents here);
- Fill an application form (download);
- Contact any DemirBank branch with filled in application and set of documents
- The application will be considered within 5 business days (depending on the amount and loan terms), after you will be informed about DemirBanks decision.*
* - the term of consideration of loan may be expanding at the discretion of the Bank.