The key to successful real estate investments lies in the ability to choose the right moment to buy, especially in conditions of active market growth.
According to the National Statistical Committee of the Kyrgyz Republic, the country's GDP grew by more than 11% at the beginning of 2025 compared to the same period last year. This growth continues against the backdrop of active development in key sectors of the economy, such as services, industry, and construction.
The city of Bishkek
According to the conclusion of the International Monetary Fund, Kyrgyzstan's economy demonstrates stable growth, supported by increased trade and rising cash flow. This creates favorable conditions for the beginning of a new cycle in the real estate market, which often activates during periods of economic upturn.
The "three-year" option as a time reserve
In conditions of high interest rates, a key aspect is the cost of capital. Most loans for ready-made real estate have an interest rate of 18–22% per annum, which creates additional financial burdens on investors. However, Royal Central Park offers a mechanism of a three-year grace period, allowing the investor to control the asset with only 30% of their own capital, without the need to pay capital costs during critical moments of growth.
Price fixation at the current level
The three-year grace period provides an opportunity to fix the price of the asset before its revaluation in the market occurs. This creates a safety buffer and provides an investment advantage.
Reduction of holding costs
In the first three years, the investor does not incur additional cash flow costs, which is critical in conditions of high interest rates. This allows avoiding premature asset sales and maintaining return expectations.
Royal Central Park multifunctional complex in Bishkek
Financial structure for optimization
The third aspect of the strategy is that by the time loan repayments begin, the loan-to-value (LTV) ratio will be more favorable, opening up opportunities for refinancing and improving cash flow. This allows for the use of debt at the right moment rather than incurring costs immediately.
The three-year period as an opportunity for growth
The three-year grace period provides the investor with time to optimize the internal rate of return. This is especially important when there is no pressure on cash flows, and the investor can wait for asset price increases. This helps avoid dilution of IRR due to early capital expenses.
Key success factors
In conditions of market revaluation, as in Bishkek, the greatest profits come at moments when the market revises future expectations. Data from the National Statistical Committee shows GDP growth of 11.5% in 2024, creating conditions for the revaluation of real estate prices. The Royal Central Park lending program allows investors to maintain their positions during growth without losing efficiency due to high capital costs. This provides the opportunity to control 100% of the asset with only 30% of their own capital.
Royal Central Park and the 5 towers of The Essence phase — officially on sale from January 2026.
Royal Central Park is the first "all-in-one" format project in Bishkek that offers sustainable investment value. With a thoughtful financial structure, investors can fix the price at the current level, maintain positions during market growth, and optimize the internal rate of return while effectively managing capital costs in conditions of high interest rates. This combination of residential product and investment tool allows for maximizing benefits from growth opportunities in the Bishkek real estate market.
