Mortgage

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	KGS/USD
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

05/30/2023	Buy	Sell
USD	87.5000	88.1000
EUR	93.7000	94.7000
RUB	1.0750	1.1000
KZT	0.1350	0.2050
All rates

Cashless Rates

30.05.2023	Buy	Sell
USD	87.3000	87.6400
EUR	93.7000	94.7000
RUB	1.0500	1.1200
KZT	0.1350	0.2050
All rates

Payment Cards Rates

30.05.2023	Buy	Sell
USD	87.5000	88.1000
EUR	93.7000	94.7000
RUB	1.0640	1.1000
KZT	0.1350	0.2050
All rates

NBKR Rates

30.05.2023	Rate
USD	87.5900
EUR	93.9228
RUB	1.0852
KZT	0.1971
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 25 000 US dollars or the equivalent of 25 000 US dollars in other foreign currencies. For transactions for amounts over 25 000 US dollars, the rate is set by the Treasury Department of Optima Bank OJSC by agreement.