Optima Bank
 ATMS and Bank offices (312) 90 59 59
Skype: OptimaBank


Home ownership can be very relevant and important issues amongst all age groups. To find a decent solution to this problem sometimes takes years. But home mortgage loan will help you to quickly realize your dream.

Mortgage crediting program of OJSC “Optima Bank” enables you to obtain in the shortest terms the comfortable apartment without long process of accumulation.
Mortgage provides you with opportunity:
  • To purchase your own apartment, instead of renting somebody’s real estate;
  • Construction of real estate of non-profit values;
  • The acquisition of shares in the buildings under construction;
  • To pay the price difference in housing exchange;
  • Refinancing of a mortgage loan with other banks;
  • To become an immediate owner of purchased habitation;
  • Favorable investment of funds, because the real estate constantly rises in price;
  • Reliable guarantees at making transaction with real estate (real estate and all documents on transaction are verified by the Bank experts).
In order to get credit in OJSC “Optima Bank” you need to:
  • Estimate your own financial opportunities;
  • Have initial payment in the amount not less than 30 % from the cost of the purchased real estate (purchased habitation is accepted as a security deposit);
  • Taking additional security in the amount of initial payment.
Once affirmative decision is taken by Credit Committee of the Bank, the Seller of real estate and the Borrower conclude a bilateral contract on sale and purchase of apartment in notary office with participation of expert of the Bank on the basis of which the Borrower becomes the owner of real estate and set up a purchased apartment as a mortgage until the credit repayment in full.
In case of questions the Bank experts will advise you, they will help you to calculate the probable amount of credit and its payment proceeding from your conditions, they will be your permanent assistants.

Credit currency


Maximum credit term

KGS/USD up to 60 months (5 years)

Minimum credit term

12 months

Credit repayment

Equal-sum monthly payments which include repayment of a part of the main credit amount and interest for credit use (annuity payments)

Interest rate

from 17 % per annum

Object of crediting

Credits are provided for purchase of residential houses located in the territory of Kyrgyzstan.

Security for credit

Immovable property being purchased

Preliminary calculation of the effective annual interest rate can be done using the Credit calculator.
* Effective interest rate is of 18.63% per annum


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Currency rates

Cash Rates

10/01/2022 Buy Sell
USD 82.7000 83.7000
EUR 80.0000 81.0000
RUB 1.3200 1.4200
KZT 0.1150 0.1950
All rates

Cashless Rates

01.10.2022 Buy Sell
USD 80.0000 81.0000
EUR 78.4000 79.4000
RUB 1.3000 1.4300
KZT 0.1150 0.1950
All rates

Payment Cards Rates 

01.10.2022 Buy Sell
USD 82.7000 83.7000
EUR 80.0000 81.0000
RUB 1.3000 1.5000
KZT 0.1150 0.1950
All rates

NBKR Rates

01.10.2022 Rate
USD 80.1771
EUR 78.8622
RUB 1.3736
KZT 0.1682
All rates
*The rates for buying and selling non-cash foreign currency established by this Order are valid for clients of legal entities and individual entrepreneurs.

For conversion transactions on demand accounts of individuals, including through the Optima24 application, the rates for buying and selling cash foreign currency established by this Order are applied.

The established rates for buying and selling cash and non-cash foreign currencies are valid for the amount of 10 000 US dollars or the equivalent of 10 000 US dollars in other foreign currencies. For transactions for amounts over 10 000 US dollars, the rate is set by the Treasury Department of Optima Bank OJSC by agreement.