“Warm house” consumer loans
Let your home be warm and cozy
from KGS 1 mln
KGS from 17*%
Conditions
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from KGS 1 mln
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KGS
from 17*%
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Up to KGS 15 000 000 or equivalent in USD
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From 3 to 60 months
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For insulation of real estate and improvement of energy efficiency (including water use, installation of heat pumps, separate collection of household waste, disposal and recycling of waste, collection and treatment of household waste and other purposes consistent with the Green Taxonomy of the Kyrgyz Republic)
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Collateral: guarantor’s guarantee and real estate
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* The Bank’s authorized body shall reserve the right to change the established tariffs on interest rates
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Effective interest rate: KGS from 18,7%
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Possibility of applying the KYRSEFF grant program within the “Warm Home” and “Energy Efficient” programs
Loan Application
News
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Non-working day in United Arab Emirates (UAE)
Dear customers!
Please, take into account that June 15, 2026 - is non-working day in United Arab Emirates (UAE).
Value date for payments in AED – June 16, 2026. -
Non-working day in Russian Federation
Dear customers,
Please take into account that June 12, 2026 - is non-working day in Russian Federation.
Value date for payments in RUB – June 15, 2026. -
Payments with KICB ELCARD cards are now available in Uzbekistan!
KICB ELCARD and ELCARD+ cardholders can easily pay for purchases and withdraw cash throughout the entire HUMO National Payment System network in Uzbekistan.