Opportunities for small investors: what the market offers
Mr. Damir, a 41-year-old individual entrepreneur, has free capital of about 30 million KGS. He previously invested in Almaty and Tashkent but often faced challenges when market prices exceeded his financial capabilities. Instead of trying to catch up with rapidly growing assets, he focused his attention on cities that are in the early stages of development. As a result, Royal Central Park, the first all-in-one mega project in Bishkek, became his choice. In the context of rising inflation, this project represents a balanced solution for investors, combining initial capital, income potential, and risk management.
Royal Central Park and the five towers of The Essence phase will be available for purchase starting January 2026.
With an average cost of 2- and 3-room apartments around 13 million KGS, investors need only 30% of their own capital, which amounts to approximately 4.3 million KGS, to acquire a profitable asset. This is a unique opportunity to enter fully integrated urban projects, especially in the mixed-use segment, which is known for its ability to retain value and provide long-term growth. Data from neighboring markets in Central Asia show that in Almaty (Kazakhstan), apartment prices increased by 20-25% per year from 2021 to 2025, while in Tashkent (Uzbekistan) they grew by 15-18% per year. These figures underscore the importance of early investments at reasonable prices to maximize future profits and reduce risk.
Interior of an apartment in the Atlas building (Y2), The Essence phase
The developer also offers investors a flexible payment structure, allowing for effective cash flow management and reducing financial pressure in the early stages—this is critically important in the current market conditions focused on security and long-term planning.
Reducing financial burden
High interest expenses are one of the main barriers for small investors. With 70% loan financing (LTV) and an 18% annual interest rate, a property worth 13 million KGS can generate 136,500 KGS in monthly interest payments. Many investors find themselves in a situation where they have to sell at a loss, unable to cope with the cash flow burden.
In Royal Central Park, this problem is addressed with a 0% interest rate and a three-year grace period on the principal debt—this is the most critical period in the investment cycle. These three years will coincide with the completion of infrastructure works and the launch of the city into operation, creating a dynamic commercial and residential environment.
Launch of sales for Royal Central Park on January 13, 2026
The three-year grace period typically allows the market to go through an adjustment of interest rates and return to equilibrium. After this period, the pressure from the floating rate becomes irrelevant. Support from the developer ensures that investors can retain assets at the beginning of the market's growth.
Unique offers for investors of The Essence (sales start – January 2026)
Since early January, RCA Living has begun sales of Lyra Tower (Y3) in The Essence quarter, which has attracted significant attention from residents of Bishkek; apartments on the upper floors were quickly sold out. Sales of ATLAS Tower (Y2) will continue on February 9, 2026, offering discounts of up to 13% for early payments and a bank financing program of 70%. For investors using leverage from Kompanion Bank, a three-year grace period on principal and interest applies.
Clients participating in the launch of sales for the Atlas tower (Y2) and receiving prizes.
Royal Central Park not only offers a reasonable sales policy but also represents a fully integrated urban development project with an all-in-one concept, including landscape architecture, a central park, various educational institutions, medical centers, shopping complexes, and office buildings. "The Essence quarter is designed with diverse infrastructure to meet all residents' needs, from sports and entertainment facilities to commercial areas," the developers note.
Transport accessibility and strategic location
The strategically advantageous location and good transport accessibility significantly increase the value of the properties. Royal Central Park is located on the new, actively developing southwestern axis of Bishkek along the East-West Avenue, which connects the two main directions of the city's development. Nearby is the Asia-Europe railway line, a historic route linking Central Asia with Russia, China, and Europe. This corridor provides a connection between the International Airport and the Presidential Palace, performing important administrative functions and facilitating the development of economic and urban projects. An intercity railway is planned to open soon, easing trade and movement between the eastern and western parts of the city.
The "city within a city" concept in the Royal Central Park mega project
Royal Central Park is becoming a flagship project of international level, offering investors the opportunity to place their assets along the line of urban growth. With the concept of "minimum capital, low pressure, high potential", this project provides confidence to investors with limited funds, allowing them to expect long-term growth and take advantage of rising asset prices.
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Details of the mortgage program in Royal Central Park:
- Lending bank: Kompanion Bank
- Maximum loan amount: up to 70% of the apartment's value
- Grace period on principal and interest: 3 years — the developer RCA Living pays interest for the client during the first three years
- Maximum loan term: up to 15 years
- No prepayment penalty
- Simplified loan processing, with the option to use the apartment in Royal Central Park as collateral
