-
from KGS 20000
-
KGS
from 22*%
-
-
Loan amount: from KGS 20,000 to KGS 1,000,000
-
Term: from 3 to 60 months
-
Interest rate: from 22% per annum
-
Effective interest rate: from 24.09%
-
The loan is provided to implement energy-efficient and water-saving technologies under the KyrSEFF program, including:
-
• installation of energy-efficient windows, glazing of loggias and balconies;
-
• insulation of walls, roofs, and floors;
-
• installation of heat pumps for heating and cooling;
-
• installation of ventilation systems with air heat recovery;
-
• installation of energy-efficient lighting (LED);
-
• installation of air conditioners (split systems class A+ and above);
-
• installation of solar systems (collectors, photovoltaic panels);
-
• implementation of water-saving technologies (mixers, shower heads, efficient toilets, rainwater harvesting systems, drip irrigation);
-
• purchase of refrigeration and freezer equipment class A+ and above;
-
• other measures aimed at improving household energy efficiency and water savings in accordance with KyrSEFF program requirements.
-
The full list of eligible equipment and measures is available at: www.kyrseff.kg
-
Additional benefits
-
By applying for the loan, you receive:
-
• free technical support;
-
• consultation from a KyrSEFF program specialist;
-
• the opportunity to receive a grant of up to 10% of the investment amount upon successful implementation of energy efficiency measures.
-
The grant amount is determined individually by a KyrSEFF program specialist depending on the project type and investment volume.
-
Collateral
-
Flexible approach. Possible types of collateral include: guarantee, movable or immovable property.

Loan Application
Other products
News
-
Non-working day in China
September 25, 2026, is a non-working day in China -
Change of tariffs on cash and settlement services from October 05th, 2026
Please be informed that new tariffs will come into effect on October 5th, 2026 (for individuals, legal entities, and private entrepreneurs) regarding the extension of the acceptance window for SWIFT payments in Kazakh tenge.
-
KICB is launching a premium Mastercard Black Edition card
KICB is expanding its product line and launching the issuance of new premium‑segment bank cards — Mastercard Black Edition.

