FAQ

To replace it, it is enough to contact the Bank branch with a card and passport.

To unblock the card, call the Bank at the following numbers: 0 312 680000, 0 556 680000, 0 707 680000, 0 222 680000.

You must inform the Bank about this by calling: 0 312 680000, 0 556 680000, 0 707 680000, 0 222 680000.

If the PIN-code is forgotten and tried all the ways to remember it, as a rule, it is necessary to block and reissue it.

In any nearest branch of the Bank, you can also leave an online application through the official website of the Bank.

• Passport of the applicant and spouse (if any);
• Marriage certificate (if any);
• Proof of income.

The bank requires a certificate from the place of actual residence.

Terms of consideration of the loan from 10 to 20 days, depending on the size of the loan.

Credit histories of borrowers are kept in CIB "Ishenim" (Credit Information Bureau).

Unfortunately, this is not possible, since Aiyl Bank only works within Kyrgyzstan.

We work within the framework of the state program "My Home 2021-2026", a loan for the purchase of housing will be provided in two directions - "Preferential mortgage" and "Affordable mortgage" for a period of 15 to 25 years. In addition to mortgages, the Bank can also finance up to 60% of the cost of housing for the purchase of housing, provided that you have 40% of the value of housing.

You need to apply to the Bank branch at the location of your business (farm) with a passport.

Our Bank does not issue car loans, however, you can purchase a car by obtaining a consumer loan.

Yes, you can at any branch of the Bank.

The loan can be repaid through payment terminals of Aiyl Bank, Pay24, MegaPay and O money.

The loan can be repaid through AB24 mobile banking, as well as through the Elcart Mobile application.

In this case, you need to contact the Bank and get a temporary password, with which you can enter the application and change the password.

In order to connect AB24 mobile banking, you need to come to the Bank with a passport and conclude an agreement, after which a login and a one-time password are issued to enter the application.

In order to get a preferential loan under the state program "Agricultural Financing 10", you need to contact the Bank branch at the location of your business (farm) with a passport and join the electronic queue.

Can be extended by a third party on the basis of a power of attorney certified by a notary.

Capitalization of interest is the transfer of interest to the deposit amount, which allows you to further accrue interest on interest.

Prolongation is carried out at the request of the client.

With the help of mobile applications "AB24", "Elcart Mobile".

You can find out the blocked amount through the Bank's ATMs.

You can top up Elcart cards:

• in the terminals of Aiyl Bank (banking services section);
• in Pay24 terminals (section banking services);
• at the cash desks of Aiyl Bank;
• in the Elkart Mobile application by transferring from card to card.

The documents requested for obtaining a lease are divided into two groups: documents for legal entities and documents for individuals engaged in individual entrepreneurial activities.

Documents for legal entities:

1. Application for a loan (original, filled in by the Bank);
2. Certificate of the tax authority on the fact of tax registration of the taxpayer (in case the borrower does not have a current account in our Bank) (original). At the same time, a certified copy of the certificate is filed in the credit file, and the original in the file on opening a current account;
3. The original passport of the head / pledgor, a certified copy of which is filed in the client's file;
4. Applicant's financial statements for the last 2 financial years:

• Balance sheet;
• Profits and Losses Report;
• Statement of cash flows (Cash flow);
• Statement of changes in equity (if any in the last 2 years);
• Breakdown of debtors with the date of the debt occurrence;
• Breakdown of creditors with repayment dates, with attachments of loan agreements;
• Deciphering the fixed assets of the enterprise;
• The conclusion of the external auditor for the last year, for loans, the amount of which is 1% or more of the total capital of the bank.

5. Charter;

6. Memorandum of association or decision to establish a legal entity;

7. Certificate of state registration;

8. Decision and order on the appointment of the head;

9. Leasing decision.

Documents for individuals engaged in individual entrepreneurial activities:

1. Application for a loan (original, filled in by the Bank);
2. The original passport of the applicant / pledgor, a certified copy;
3. A copy of the applicant's marriage certificate;
4. Written consent of the spouse (a) to receive a lease, certified by an employee of the Bank (original, filled in by the Bank);
5. Certificate of the tax authority on the fact of tax registration of the taxpayer (if the borrower does not have a current account with our Bank) (original).

For individuals engaged in individual entrepreneurial activity: Certificate from the statistical authorities on registration / re-registration as an individual entrepreneur. 

For individuals engaged in individual entrepreneurial activity: Certificate from the tax authorities on registration / re-registration as an individual entrepreneur.

For peasant (farm) households (without forming a legal entity), it is additionally necessary to submit:

1. Agreement on the formation and division of joint property of KH (FH) (original);
2. Protocol of the authorized body of PF/FH on obtaining a loan (original);
3. Protocol of the authorized body on the election of the head of the farm / farm (original);
4. List of members of the CH / FH on the date of application for a loan (original).

• Select the desired subject of leasing and the seller.
• Gather the necessary documents to apply for a lease.
• Apply for leasing to branches or representative offices of the Bank.
• Enter the amount of your own contribution, the insurance premium and the amount of expenses for registration, registration of the subject of leasing to the current account with the Bank.

During leasing, the lessor buys the property necessary for the client and transfers it for temporary use on the terms of the leasing agreement, with the subsequent right to purchase. Thus, leasing differs from a loan in that, with a loan, funds are transferred for use, and with leasing, specific property in the form of fixed assets, machinery or equipment.

You will need to apply with a statement to the Bank branch where the loan was issued.

You can request a notice of the upcoming repayment at any branch of the Bank.

You can request a notice of the upcoming repayment at any branch of the Bank.

Unfortunately, it cannot.