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from KGS 200000
or equivalent in USD
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KGS
from 20*%
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USD
from 12*%
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Up to KGS 500,000 or equivalent in USD
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For individual entrepreneurs, legal entities with a current business loan secured by real estate
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Loan repayment term: no later than the maturity date of the main loan secured by real estate, but not exceeding 36 months
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Purpose: to replenish working capital and for investments, including refinancing of business loans in other banks
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Collateral: movable property, including inventory (goods and materials), and spousal guarantee. If there is no spouse – a guarantee from a third party with confirmed income
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Interest rates: KGS – 20%, USD – 12%
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Effective interest rate: from 22.3% in KGS, from 12.9% in USD

Loan Application
Other products
News
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Non-working day in Kazakhstan
Please take into account that July 07, 2025 - are non-working day in Kazakhstan.
Value date for payments in KZT – July 08, 2025. -
Contribution to SDG 4: KICB and the Red Crescent Improve Conditions for 420 Schoolchildren in Osh Region
KICB continues its systemic support of the education sector, guided by ESG principles and the United Nations Sustainable Development Goals (SDGs). One of the latest initiatives in this direction is a joint project with the National Red Crescent Society of the Kyrgyz Republic — the capital renovation and re-equipment of the cafeteria at the M. Gaparov Boarding School in the village of Gulstan, Nookat District, Osh Region.
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Non-working day in USA
Please take into account that July 04, 2025 - is non-working day in USA.
Value date for payments in USD – July 07, 2025.