16 YEARS! WITH US!

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  • 0 (550,701,777) 933811

  • elet@elet.kg

  • HEAD OFFICE

  • 125, Moskovskaya str., Bishkek city

  • 08:30 - 17:30

  • Monday-Friday

  • 0 (550,701,777) 933811

  • elet@elet.kg

  • HEAD OFFICE

  • 125, Moskovskaya str., Bishkek city

  • 08:30 - 17:30

  • Monday-Friday

  • 0 (550,701,777) 933811

  • elet@elet.kg

  • HEAD OFFICE

  • 125, Moskovskaya str., Bishkek city

  • 08:30 - 17:30

  • Monday-Friday

Dear Clients'

If you could not find the answer to your question, use our "Contacts" section or any convenient way of communication.

NOTES FOR BORROWERS

Please, read this brief information about the conditions of granting loans.

Download The Document

LOAN PRODUCTS

  • ELET LOANS - for rural areas, no pledge of immovable property is required
    • ELET LOANS
      Interest rate 31% - 36% per annum
      Average Effective Interest Rate 43% per annum
      Fee for cash service depending on the loan amount
      Currency Kyrgyz som
      Maximum term (months) 36 months
      Amount 3 000 - 300 000
      Pledge No pledge of immovable property; guarantee of payment from third persons, and/or movable property, depending on the loan amount
      Loan purpose Production; procurement and processing of agricultural products; animal husbandry; plant growing; trade; services sector; construction and repairs (of an income generating facility); other business; housing construction; home renovation; purchase of real estate (land, housing); education; consumer purposes
      For more detailed information and calculation of the full cost of the loan, including the effective interest rate and all the client’s expenses related to getting a loan, please, contact our branches and representative offices.

      Documents required to get a loan:
      - Passport of the borrower, guarantor and pledger;
      - Documents confirming the income of the borrower and guarantors, depending on the source of loan repayment – Patent, Individual Entrepreneur Certificate, Salary Certificate for the latest 3 months, etc.;
      - Documents for the collateral, depending on the type of the collateral provided – Real Estate Technical Passport, title documents for the real estate unit, Vehicle Registration Certificate, etc.;
      - Other documents as may be required by the loan officer, depending on the type of loan.
  • DOSTUPNY LOAN - up to 300 thousand soms, no pledge of immovable property is required
    • DOSTUPNY LOAN
      Interest rate 31% - 36% per annum
      Average Effective Interest Rate 44% per annum
      Fee for cash service depending on the loan amount
      Currency Kyrgyz som
      Maximum term (months) 36 months
      Amount 10 000 - 300 000
      Pledge No pledge of immovable property; guarantee of payment from third persons, and/or movable property, depending on the loan amount
      Loan purpose Production; procurement and processing of agricultural products; animal husbandry; plant growing; trade; services sector; construction and repairs (of an income generating facility); other business; housing construction; home renovation; purchase of real estate (land, housing); education; consumer purposes
      For more detailed information and calculation of the full cost of the loan, including the effective interest rate and all the client’s expenses related to getting a loan, please, contact our branches and representative offices.

      Documents required to get a loan:
      - Passport of the borrower, guarantor and pledger;
      - Documents confirming the income of the borrower and guarantors, depending on the source of loan repayment – Patent, Individual Entrepreneur Certificate, Salary Certificate for the latest 3 months, etc.;
      - Documents for the collateral, depending on the type of the collateral provided – Real Estate Technical Passport, title documents for the real estate unit, Vehicle Registration Certificate, etc.;
      - Other documents as may be required by the loan officer, depending on the type of loan.
  • ELET-KURULUSH - for housing construction and home renovation
    • ELET-KURULUSH
      Interest rate 24% - 36% per annum
      Average Effective Interest Rate 32% - 43% per annum
      Fee for cash service depending on the loan amount
      Currency Kyrgyz som
      Maximum term (months) 60 месяцев
      Maximum Amount 1 500 000 soms
      Pledge Up to 300,000 soms – no pledge; guarantee of payment from third persons, and/or movable property depending on the loan amount.
      201,000 soms or more for new clients, and 301,000 soms or more for regular clients – a plot of land (site) where the borrower plans to construct a house or other real estate property can become a pledge.
      The client has the right to use real estate property as pledge if he/she wants to get a loan in the amount of 50,000 soms; in this case, the interest rate is 28%.
      Loan purpose Housing construction and repairs; purchase of land, home
      For more detailed information and calculation of the full cost of the loan, including the effective interest rate and all the client’s expenses related to getting a loan, please, contact our branches and representative offices.

      Documents required to get a loan:
      - Passport of the borrower, guarantor and pledger;
      - Documents confirming the income of the borrower and guarantors, depending on the source of loan repayment – Patent, Individual Entrepreneur Certificate, Salary Certificate for the latest 3 months, etc.;
      - Documents for the collateral, depending on the type of the collateral provided – Real Estate Technical Passport, title documents for the real estate unit, Vehicle Registration Certificate, etc.;
      - Other documents as may be required by the loan officer, depending on the type of loan.
  • OBESPECHENNY LOAN - up to 3 million soms, pledge of immovable property is required
    • OBESPECHENNY LOAN
      Interest rate 24% - 28% per annum
      Average Effective Interest Rate 33% per annum
      Fee for cash service depending on the loan amount
      Currency Kyrgyz som
      Maximum term (months) For loans up to 500,000 soms – 48 months
      For loans 501,000 soms and more – 60 months
      Amount 50 000 - 3 000 000
      Pledge Real estate property
      Loan purpose Production; procurement and processing of agricultural products; animal husbandry; plant growing; trade; services sector; construction and repairs (of an income generating facility); other business; education; consumer purposes
      Special conditions for loans over 1,500,000 soms Loans over 1,500,000 soms are granted for the purpose of expanding/developing an existing business, including the creation of additional jobs in the aforementioned areas of loan use, except for other business, consumer purposes, and education.
      The person requesting a loan should have a Patent or Individual Entrepreneur Certificate to get a loan. A Loan Agreement is signed with an individual entrepreneur.
      For more detailed information and calculation of the full cost of the loan, including the effective interest rate and all the client’s expenses related to getting a loan, please, contact our branches and representative offices.

      Documents required to get a loan:
      - Passport of the borrower, guarantor and pledger;
      - Documents confirming the income of the borrower and guarantors, depending on the source of loan repayment – Patent, Individual Entrepreneur Certificate, Salary Certificate for the latest 3 months, etc.;
      - Documents for the collateral, depending on the type of the collateral provided – Real Estate Technical Passport, title documents for the real estate unit, Vehicle Registration Certificate, etc.;
      - Other documents as may be required by the loan officer, depending on the type of loan.
  • DO ZARPLATY - no pledge, salary amount is taken into account
    • DO ZARPLATY
      Interest rate 31% - 36% per annum
      Average Effective Interest Rate 44% per annum
      Fee for cash service depending on the loan amount
      Currency Kyrgyz som
      Maximum term (months) 24 months
      Amount 3 000 - 70 000
      Pledge No pledge
      Loan purpose Production; procurement and processing of agricultural products; animal husbandry; plant growing; trade; services sector; construction and repairs (of an income generating facility); other business; housing construction; home renovation; purchase of real estate (land, housing); education; consumer goals
      For more detailed information and calculation of the full cost of the loan, including the effective interest rate and all the client’s expenses related to getting a loan, please, contact our branches and representative offices.

      Documents required to get a loan:
      - Passport of the borrower, guarantor and pledger;
      - Documents confirming the income of the borrower and guarantors, depending on the source of loan repayment – Patent, Individual Entrepreneur Certificate, Salary Certificate for the latest 3 months, etc.;
      - Documents for the collateral, depending on the type of the collateral provided – Real Estate Technical Passport, title documents for the real estate unit, Vehicle Registration Certificate, etc.;
      - Other documents as may be required by the loan officer, depending on the type of loan.
  • Fee for cash service
    • Fees for cash service on all loan products
      Loan amount (soms) Fee for cash service (soms)
      3 000-10 000100
      10 001-20 000200
      20 001-30 000400
      30 001-40 000500
      40 001-50 000700
      50 001-60 000800
      60 001-70 0001 000
      70 001-80 0001 100
      80 001-90 0001 300
      90 001-100 0001 400
      100 001-120 0001 700
      120 001-140 0001 900
      140 001-160 0002 200
      160 001-180 0002 600
      180 001-200 0003 000
      200 001-250 0003 600
      250 001-300 0004 000
      300 001-400 0004 300
      400 001-500 0005 500
      500 001-700 0006 000
      700 001-900 0007 000
      900 001-1 000 0008 000
      1 000 001-1 300 0006 000
      1 300 001-1 500 0007 000
      1 500 001-2 000 0008 000
      2 000 001-2 500 00010 000
      2 500 001-3 000 00012 000