BakaiBank

61-00-61

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Exchange rates

Cash exchange

OJSC "BakaiBank" on 18.05.12

Purchase Sale

USD 46.90 47.20

EUR 59.60 60.30

RUB 1.50 1.52

KZT 0.31 0.32

Non-cash exchange

OJSC "BakaiBank" on 18.05.12

Purchase Sale

USD 46.90 47.30

EUR 59.60 60.30

RUB 1.50 1.54

KZT 0.31 0.32

NBKR rates

NBKR on 19.05.2012

USD 47.1721

EUR 59.8661

RUB 1.5027

KZT 0.3193

Main Individual persons Consumer loan

CONSUMER LOAN

Bank offers loans to individual persons permanently employed with monthly income for consumer purposes in som, US dollars and Euro.

The advantages of consumer loans offered by our bank:

The annual interest rate of the loan starts from 20%.
Up to 1000 USD (equivalent in som, euro), without pledge of real property collateral real estate, guaranteed by 2 individuals;
No commission fee preschedule repayment of loan;
Period for review of a loan application - 3 working days from the provision date of a complete set of documents by the loan applicant;
Loans are for purchasing of vehicle, household appliances, furniture, payment for a tuition, for the celebration of special occasions, home renovations, etc.;
Loan is provided in som, U.S. dollars and euros;

BakaiBank favorable loans

Terms of the loan

Period of loan:

from 3 to 24 months

Initial contribution:

from 30% of the price

The loan amount without mortgage:

from 50 to 1000 U.S. dollars

from 2000 to 45000 som

from 50 to 800 euros

The loan amount without mortgage:

from 1001 to 20 000 U.S. dollars

from 45001 to 1 000 000 som

from 801 to 16 000 euros

Loan repayment plan:

In equal monthly amounts (annuity payments), a flexible repayment schedule is set by the Loan Committee);

Provision of collateral:

Real estate mortgage, vehicle, equipment, personal property, merchendise for sale;

The frequency and value of payments on the loan may vary in accordance with the terms of the loan agreement. This schedule of payments on the loan is not a public quotation and it is intended for reference only

Requirements for loaner

Age: from 20 to 60 years old on the date of the loan provision:
Permanent or temporary residence registration in the given region where the bank's branch office is processing the request. It is also compulsory the availability of permanent residence registration on the territory of the Kyrgyz Republic when providing the temporary registration;
Period of employment at the previous place: at least 6 months;
Customers with good credit history in our bank or other financial institutions, in other words repaid on time and without delays;
Customers without a credit history

Necessary documents

The passport of the citizen of the Kyrgyz Republic
Any document from the following list:

passport, certificate of marriage / death of a spouse;
The documents confirming the loaner's income;
Patent/work permit;
Refference letter from the permament residence place;
Notarized statement of consent of the spouse on conclusion of the loan agreement. If the customer is not married, a notarized statement illustrating the absence of individuals who could claime the rights on property is necessary;
Copies of contracts with suppliers and customers (if any of them exist);
Copies of legal documents of owned fixed assets that are used in business operation.