According to the press service of the OJSC "Guarantee Fund," since the beginning of 2026, 45 families have been able to purchase their own housing thanks to the "Kelechek" program. As of February 24, 2026, 150 guarantees have been issued for a total amount of over 188.8 million soms, which has enabled citizens to obtain mortgage loans totaling more than 748.1 million soms.
The "Kelechek" program has proven to be an effective tool that helps people who do not have enough funds for the down payment on a mortgage loan.
To apply for the "Kelechek" mortgage guarantee, one can contact six partner banks: OJSC "Aiyl Bank," OJSC "Eldik Bank," OJSC "MBank," OJSC "Dos-Kredobank," JSC "Commercial Bank KSB," and JSC "Demir Kyrgyz International Bank."
Main conditions of the "Kelechek" mortgage product:
- having a continuous work experience or entrepreneurial activity of at least 12 months;
- maximum financing amount — up to 10 million soms;
- guarantee coverage amount — up to 30% of the housing cost;
- the commission is 2% of the guarantee amount.
Thanks to the support of the Guarantee Fund, citizens are improving their housing conditions and becoming homeowners.
