“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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Notification of technical work on the part of JSC «IPC»
Dear customers!
We hereby inform you that on the night of July 29th, 2026 from 00:00 a.m. to 00:40 a.m. technical works on the part of JSC «IPC» will be carried out.
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Regarding the temporary suspension of Zolotaya Korona transfers
Dear customers!
Starting from July 29th, 2026, bank will temporary suspend transfers (sending and receiving) via the Zolotaya Korona system. -
Regarding "Zolotaya Korona" transfers
Dear customers!
Starting from July 27th, 2026, Money transfers system "Zolotaya Korona" (sending and receiving transactions) at the bank branches/sub-branches and in the KICB mobile app will be available only in Russian rubles.