Financing

Collateral: 

• For financing amounts up to KGS 3, 000 000 – the financed vehicle (hereinafter referred to as the Vehicle). 
• For amounts exceeding KGS 3,000 000 – real estate. 

Initial payment (Hamish Jiddiyah):  

• At least 30% the vehicle’s value. 
• If the down payment is less than 30% or absent, real estate collateral is required. 

Vehicle requirements: 

• Vehicles must not be older than 15 years. 
• Vehicles manufactured in CIS countries and China, as well as electric vehicles, must not be older than 5 years. 

Aiyl Bank extends the promotional offer on reduced markups untill July 1, 2025. 

Collateral: 

• Up to KGS 300, 000 – no collateral required 
• Up to KGS 500, 000 – third-party quarantees 
• Over KGS 500, 000 – real estate

Aiyl Bank extends the promotional offer on reduced markups untill July 1, 2025.

Collateral: 

• The acquired real estate;

Initial payment (Hamish Jiddiyah): 

• At least 30 % of the property’s value 
• If the down payment is less than 30% or absent, additional real estate collateral is required.

Aiyl Bank extends the promotional offer on reduced markups untill July 1, 2025.

Initial payment (Hamish Jiddiyah): 

• At least 20 % of the argicultural equipment’s value for purchaces up to KGS 300, 000 
• If real estate is provided as collateral, the client may receive financing of up to 100% of the argicultural equipment’s value. 

Collateral: 

• Up to KGS 300,000 – no collateral required 
• Up to KGS 500,000 – third-party guarantees 
• Over KGS 500,000 – real estate 

Aiyl Bank extends the promotional offer on reduced markups untill July 1, 2025.

Financing Purpose: 

To promote initiatives aimed at supporting the argicultural sector by developing agro-industrial clusters through preferential lending, including the following clusters: 

• Dairy 
• Meat (beef, lamb, poultry)
• Sugar 
• Chicken eggs 
• Vegetables
• Fruits 
• Vegetable oil 
• Potatoes 
• Grain crops 
• Fish 
• Cotton 
• Wool and leather 
• Honey 
• Legumes 
• Nut crops (walnuts and other forest products)
• Organic production 
• Corn 
• Viticulture  

Target Group: 

а) Farmers, individual entrepreneurs, and private individuals engaged in argiculture 

b) Seed-growing, nursery, and breeding farms 

c) Cluster aggregators, including food and processing industry enterprises, based on recommendations from the Cluster Development Council under the Ministry of Argiculture of the Kyrgyz Republic, in accordance wuth banking regulations and the bank’s requirements. 

d) Newly established food and processing industry enterprises, based on recommendations from the Cluster Development Council under the Ministry of Argiculture of the Kyrgyz Republic, in accordance with banking regulations and the bank’s requirements. 

Cluster aggregators participating in this project, approved by the Cluster Development Council, and listed in a separate registry under the Ministry of Argiculture. 

Collateral: 

• Up to KGS 300, 000 – no collateral required 
• Up to KGS 500, 000 – third-party quarantees 
• Over KGS 500,000 – real estate  сомов — поручительство третьих лиц, свыше 500 000 сомов — недвижимость.

Aiyl Bank extends the promotional offer on reduced markups untill July 1, 2025.

Collateral: 

 No collateral required 

Aiyl Bank announces a promotional offer on reduced markup until July 1, 2025.

Financing Purpose: 

а) Small and medium-sized business entities with a stable, operational business. 

b) Individuals with a stable monthly income  

c) To support environmental preservation and improvement, as well as to provide financial assistance to entrepreneurs engaged in the production of environmentally friendly products and raw material processing without negative impact on nature. 

Financing Amount:

• From KGS 30, 000 

Collateral: 

• Up to KGS 300, 000 – no collateral required 
• Up to KGS 500, 000 – at least one quarantor  
• Over KGS 500,000 – real estate

Aiyl Bank extends the promotional offer on reduced markups untill July 1, 2025. 

Financing Purpose: 

а) Financial support for women entrepreneurs with an active business 

b) Micro-entrerprises owned by women with a controlling stake (more than 50%) 

Financing Amount:

From KGS 30, 000 to KGS 500,000 

Collateral: 

• Up to KGS 300, 000 – no collateral required 
• Up to KGS 500, 000 – at least one quarantor  

Aiyl Bank extends the promotional offer on reduced markups untill July 1, 2025.