In six months, 45 families purchased housing through the Kelech program

As of 24 February 2026, since the launch of the Kelech mortgage product, 150 guarantees have been issued for a total amount of over 188.8 million KGS. This has enabled citizens to obtain mortgage loans worth over 748.1 million KGS and improve their living conditions.

Since the beginning of 2026, 45 families have been able to purchase their own homes thanks to Kelech, which has become an effective tool for supporting citizens who lack the funds for a down payment.

Mortgage guarantees can be obtained from six partner banks: OJSC Ayil Bank, OJSC Eldik Bank, MBank OJSC, Dos-Kredobank OJSC, Commercial Bank KSB CJSC and Demir Kyrgyz International Bank CJSC.

Key terms of the product:

• continuous employment or entrepreneurial activity for at least 12 months;
• mortgage financing amount — up to 10 million KGS;
• collateral amount — up to 30% of the cost of the property;
• commission — 2% of the guarantee amount.

As a reminder, Akchabar previously wrote that the Kelechik mortgage product was launched in May 2025 to support citizens who are experiencing difficulties in making the initial payment. Thanks to the guarantee support of OJSC Guarantee Fund, residents of Kyrgyzstan have the opportunity to purchase their own homes and improve their living conditions.