Showing Kyrgyzstan because that’s where you are.
Kyrgyzstan 💰 KGS Last updated2026-05-28 Ипотека Calculator
Kyrgyzstan
A 5,000,000 KGS mortgage at 17.5% over a 15-year term works out to a monthly payment of about 78 729 сом, with total interest of 9 171 204 сом over the full term.
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Local context Ипотекаs in Kyrgyzstan
Market overview
Kyrgyzstan's mortgage market is led by RSK Bank, Aiyl Bank (state-owned with a strong rural mandate), Demir Kyrgyz International Bank, KICB (Kyrgyz Investment and Credit Bank) and Optima Bank, with Kyrgyz State Mortgage Company (Государственная ипотечная компания) providing concessional refinancing. The National Bank of the Kyrgyz Republic held its policy rate at 9.00% through 2026 amid moderate inflation. Bishkek leads demand — particularly the Djal, Asanbai and Tunguch districts — followed by Osh in the south. The State Mortgage Company's "Жилье 2026-2030" affordable housing programme is the dominant policy lever.
Why 17.5% is the typical rate
Commercial mortgage rates of 17–19% sit roughly 8–10 points above the NBKR policy rate due to thin long-dated som funding; state programme rates are far lower at 6–8%.
Tax & regulatory notes
Property conveyance registration costs around 0.1–0.5% via the Department of Cadastre and Registration of Rights to Immovable Property, with notarial fees adding 0.3–0.5%. The State Mortgage Company operates concessional schemes under the "Доступное жилье" programme, refinancing partner banks at 4–6% for eligible teachers, doctors and civil servants. Foreign nationals can own apartments under the Civil Code but agricultural land ownership is restricted to citizens.
A 5,000,000 KGS mortgage at 17.5% over a 15-year term
5 000 000 сом 17.5% 15 years (180 months) 78 729 сом 9 171 204 сом 14 171 204 сом 
