Office loan
Opportunity to own fixed assets with cheap and long-term resources.
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Office loan Loan amount Interest rate /yearly/ 16.80% – 21.60% Annual percentage rate /yearly/ 18.16% – 23.87% Loan term 120 months Collateral Primary Collateral: The real estate property being purchased with the loan
Additional Collateral: Any real estate property owned by the borrowerCommission fee 0.50%-1.00% (For loan terms up to 12 months: A fee of 0.50% of the approved loan amount)
(For loan terms exceeding 12 months: A fee of 1.00% of the approved loan amount)Payment for amending the loan agreement 0.30%-0.50% Application fee 20,000 MNT Insurance Insurance will depend on the type of collateral Grace period 6 months - Be a Mongolian citizen or an entity registered in Mongolia that runs business operation in the territory of Mongolia
- Been stably running the business in the last 24 months and continue to pursue it
- Satisfy the financial ratios at an appropriate level as it is the bank criteria
- Collaterals shall meet the bank’s collateral requirements
- Shall not have any outstanding past due loans
- Shall not have any history of loans from banks and NBFIs classified as non-performing
- Others
Additional criteria:
- The real estate asset must be classified and authorized for office‑related functions
- The property must be connected to the central utility infrastructure
- In cases where the borrower is purchasing an entire office building, the collateral must include both the building itself and the underlying land for which the borrower holds ownership or possession rights
- Loan form
- Certificate of state registration of the organization, Articles of Association, and introduction
- Operation license
- Board of directors’ approval of the loan, minutes of the shareholders’ meeting
- Original ID card of the authorized official, or if it is not possible to bring the original, a notarized copy, and a photo of the last 6 months
- Collateral documents
- Audit and tax reports and other income and expense documents
- Documents confirming the purpose of the loan and related agreements
- Other
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