Loans for corporate banking

OJSC «Commercial Bank KYRGYZSTAN» provides loans to Physical and Juridical persons on favorable terms. In our Bank you will get loans on favorable terms in a fair and transparent way. We treat each customer individually and every customer is important for us!

From the 1st of March, 2010 our Bank has significantly expanded the range of credit products and now on everyone of you will be able to find favorable and suitable credit product! Now you have the following range of credit products for your choice: «Bereke», «Bereke+», «Autocredit», «Sprint-capital», «Agrocredit», corporate loans for development of agro processing sector. Attention! From the 1st of March, 2010 OJSC «Commercial Bank KYRGYZSTAN» has decreased interest rates on loans and has significantly broadened range of credit products! Now you can get the following products:

1. Loan Products «Bereke» and «Bereke+»
   You need loan for development of your business or for consumption? You want to get favorable credit with comfortable debt repayment schedule? You don`t want to take money under high interest rates from privates? You need confidentiality? Then only for you we have new credit products «Bereke» and «Bereke+»!!! You can have the credit in only 5 working days with your minimal efforts! Loans of up to 2 500 000 KGS are necessary for your business!
   Let us develop Kyrgyzstan together!!!
   
   
2. Loans «Sprint-capital»
   You have good real estate, car or deposit to assign for security and you want to get the loan quickly without confirmation of income? Then you need our credit «Sprint-capital»! Loan in the shortest period only for you!!!
   We work for your convenience!
   
   
3. Loan product «Autocredit»
   You have business and dream of a new car? Not enough funds to buy it? Or you don`t want to take out the money from your business? «Autocredit» from OJSC «Commercial Bank KYRGYZSTAN» will help you to buy the car easily and quickly for you personal or business needs!!!
   Everything is simple and easy with us!!!
   
   
4. Loans on Agro Business and Marketing Project
   Loans for development of agricultural and agro processing sector (investments and current assets).
   
   
5. Corporate Loans
   
   

Advantages of loans in OJSC «Commercial Bank KYRGYZSTAN»:

1. Free consultations;
2. You do not need to make any financial reports, documents or business plans. All necessary documents for the loan will be made and composed by credit expert;
3. Loans are processed in shortest terms;
4. The Bank has wide branching network (more than 80 branches covering Kyrgyzstan);
5. Flexible tariff policy;
6. The Bank works with the clients directly and without any intermediaries, which eliminates additional costs, not mentioned in the credit agreement.

OJSC «Commercial Bank KYRGYZSTAN» - Your reliable partner on a long term basis!!!

List of necessary documents for Juridical Persons

Instruments of incorporation:

1. Certificate of State Registration;
2. Document confirming State Registration of taxpayer;
3. Statistical map;
4. License – if the activity is licensed;
5. Passport copies of founders, Chief Accountant, guarantors.

Documents confirming power of persons for settlement of transaction, and legitimacy of the transaction as a whole:

1. Statute, foundation agreement (if there is only one founder there is no need in foundation agreement). When setting an agreement with joint stock company additionally requested prospectus for shares issue and extract from register of shareholders;
2. Decision of authorized body about assignation of executing body; The decision has to include Name of assigned person, indication of position and date of assignation (position should correspond to the name of executive body mentioned in the statute). The decision should be accepted by the body accredited by the statute, its registration should comply with requirements of statute. There is exception – when in the statute or foundation agreement is mentioned who is appointed for a given position;
3. Decision of authorized body on application to the Bank for the credit. The decision should include name of the Bank and main conditions of the credit agreement (amount of the loan, rate of interest, term). The exception is when it is within competencies of execution body.

*Decisions should be settled by the body which is authorized by statute; registration should comply with statute`s requirements.

Documents proving financial activity of the enterprise

1. Balance of the enterprise with note of the taxation body
2. Profit and loss statement
3. Cash flow statement

Documents proving debt absence

1. Certificate from taxation committee about debt absence of compulsory payments to budget, or reconciliation report;
2. Certificate from social fund about debt absence;
3. Certificate from acquiring bank about debt absence and card index #2 (if mentioned by the borrower in the application for the bank account).

Note: Copies of foundation agreements, and also documents proving authorities should be notarized.

List of the Loan Products