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 you have a loan with another bank or microcredit organization with a rate of 30% or higher, then we will refinance it with a rate 5% lower according to a simplified scheme. For example: if your rate is 30%, we will offer 25%. If it’s 37%, then 30%, that is, minus 7%

• If you have a loan with an interest rate from 30% to 35%, then KICB loan will be at a rate of minus 5%

• If you have a loan with an interest rate above 35%, then the KICB loan will be at a rate of 30%

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

Effective interest rate: KGS from 27,76%

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