“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 Kazakhstan
Dear customers!
Please, take into account that July 06, 2026 - is non-working day in Kazakhstan.
Value date for payments in KZT – July 07, 2026. -
Non-working day in USA
Dear customers,
Please take into account that July 03, 2026 - is non-working day in USA.
Value date for payments in USD – July 06, 2026. -
Notification about technical work
Dear customers!
Kindly inform you about upcoming scheduled technical works from 10:00 PM to 10:30 PM on June 30th, 2026.
The mobile app, KICB Business app, internet banking (web version) will be temporarily unavailable.