Refinancing minus -5%

Up to KGS 1 000 000

Up to 60 months

For consumer or business purposes

Without collateral or with collateral. There are no hidden fees

• If the current rate is 30%, then 25% is offered (~minus 5%) even if there is no collateral or guarantor. If there is real estate, then it will be 24% up to 700,000 soms, 22% up to 1,000,000 soms.

• If the current rate is 33%, then 28% is offered (~minus 5%). If there is a guarantor - 27%. If there is a pledge of movable property - 26%. If there is real estate - then it will be 24% up to 700,000 soms, 22% up to 1,000,000 soms.

• If the current rate is 38%, then 28% is offered (~minus 10%). If there is a guarantor - 27%. If there is a pledge of movable property - 26%. If there is real estate - then it will be 24% up to 700,000 soms, 22% up to 1,000,000 soms.

• Loans with an interest rate below 30% are not eligible for the refinancing program, but can be considered individually.”

There must be a loan in another micro-credit organization without current overdue payments The interest rate is offered lower by at least 5% and can reach 10% Promotion period: 6 months from 01.07.2025 to 31.12.2025

Effective interest rate: KGS from 24%

* The Bank’s authorized body shall reserve the right to change the established tariffs on interest rates