Effective interest rate: in KGS from 21.16%, in USD from 15.32%, in RUB from 24.79%. Insurance for life, health, and collateral (residential houses, apartments, and non-residential premises, as well as motor vehicles) is mandatory for all borrowers, regardless of the loan amount and the borrower's age. This insurance coverage is valid for one year, and a new policy must be obtained upon the expiration of the current one. The insurance amount is determined based on the loan balance, including accrued interest, for a period of 12 months from the loan issuance or the expiration date of the old policy. The calculation is done according to the rates set by the selected insurance company.
