DemirBank introduces a special mortgage program designed for employees of state institutions and enterprises with partial state funding. This offer allows you to purchase home/flat or plot of land under favorable terms.
Favorable Mortgage Lending Terms
The following interest rates apply under this program:
• 15.99% per annum — for loan terms from 6 to 60 months;
• 17% per annum — for loan terms from 61 to 96 months.
The loan amount starts from 350,000 KGS. Clients can choose the optimal financing amount depending on the property value and their financial capabilities.
Available to All Public Sector Employees
Under the terms of a special mortgage campaign for government employees, you can apply for a mortgage with DemirBank even if you already own real estate.
The main advantage is that owning real estate is not a barrier. Even if you already own several properties, you can still apply.
You also don’t have to be part of DemirBank’s salary project — employees of organizations who receive their salaries through another bank can apply.
To be approved, you must:
- have verifiable income;
- meet credit history requirements;
- work for an organization that is partially funded by the state budget.
If you meet these conditions, apply to DemirBank to find out the mortgage amount available to you./p>
Down Payment
A down payment of 30% of property value is required to secure loan.
If the required down payment amount is unavailable, Demir Kelechek service can be utilized.
Take a Step Toward Your Own Home
The program allows to purchase move-in-ready housing or a plot of land for building future home. DemirBank offers convenient lending terms and guidance throughout all stages of application process.
Program Validity Period
This special offer is valid from July 20 to September 30, 2026
Employees of state institutions and enterprises with partial state funding can visit DemirBank to receive a consultation and submit their application.
Take the first step toward your own home with DemirBank!
For detailed information about the program terms and required documents, please call the short number 2222 or visit the nearest DemirBank branch.