• The applicant must own Fenced house certified by the State Registration Authority for Immovable Property Rights. /Co-ownership with the applicant’s spouse, parents, parents-in-law, biological siblings, or children is acceptable/
• Must be at least 18 years old of age, Legally competent and have a stable income throughout the loan term
• Must have no overdue loan balances and no history of non-performing loans within the past two years
• Co-borrower loan applicant must have no outstanding overdue loan balances
• At least 6 months of consistent work history at the respective company
• Income must be verified with any bank or through social insurance payment from “KHUR” system
• Verified income must be received regularly for at least the past two consecutive months

Additional Criteria

• Must be environmentally certified and comply with the requirement of Green Taxanomy

• State certificate of Real Estate Registration
• Copy of ID card / KHUR /
• Reference letter from residing district/khoroo / KHUR /
• Reference on social insurance payment / KHUR /
• Inquiry on marriage registration (marriage status, name of the spouse, registration number) / KHUR /
• Salary account statement of other banks
• Materials of outstanding loans at other banks
• ​Invoice of purchasing appliance and services