Savings deposit "Araketke-Bereket"
| Target audience | Individuals and legal entities registered in the Kyrgyz Republic and complying with the requirements of the Bank's Credit Policy, wishing to accumulate and obtain a loan. |
| Deposit assignments | The deposit is intended as collateral for a loan. |
| Purposes of the loan | Loans are provided for all types of activities not prohibited by the legislation of the Kyrgyz Republic. |
| Restrictions | The loan is issued in Kyrgyz soms. The deposit must be in the name of the borrower. |
| Loan security | 1. The acquired property acts as collateral for the mortgage. At the same time, the Bank provides a loan in the amount of up to 70% of the value of the acquired property. 2. For other loans, collateral is issued in accordance with the requirements of the Pledge Policy of the Bank. |
| Deposit interest rate | Deposit funds are attracted at 3% per annum. |
| Type of deposit | accumulative |
| Deposit term | 12 months; 24 months; 36 months. |
| Minimum deposit amount | 10 000 KGS |
| Additional fees and deposit restrictions | a) Not less than 5,000 KGS b) Acceptance of additional deposits is terminated 30 days before the expiration of the deposit Agreement. |
| Interest payment frequency | At the end of the term. |
| Interest payment in case of early contract termination | In case of early termination of the deposit agreement, the payment of interest is made at the rate of the deposit "On Demand". |
| Interest capitalization | is not provided |
| Partial deposit withdrawal | is not provided |
| Additional terms | 1) After one year, from the moment of accumulating a deposit of at least 50% of the amount of the received loan/mortgage, the depositor is given the opportunity to issue a loan/mortgage in accordance with this product. 2) In the case when the depositor makes an even, monthly amount for three years, after accumulating a deposit in the amount of at least 50% of the amount of the loan/mortgage received, the depositor is given the opportunity to issue a loan/mortgage in accordance with this product, upon expiration of the deposit term contracts. 3) After one year, from the moment of accumulating a deposit of at least 30% of the amount of the received loan/mortgage and accrued interest for one year, the depositor is given the opportunity to issue a mortgage/loan according to this product, at the discount rate of the NBKR + 6 (six)%, at the time of registration of the mortgage / loan. 4) If the depositor pays an amount within 24 (twenty-four) months, evenly, monthly, after accumulating a deposit in the amount of at least 30% of the amount of the loan/mortgage received, the depositor is given the opportunity to apply for a loan/mortgage according to this product, upon expiration of the term of the deposit agreement. At the discount rate of the NBKR + 4 (four) %, at the time of registration of the mortgage/loan. When applying for a mortgage, the amount of the accumulated deposit is calculated as the initial deposit. The depositor has the right to receive a loan/mortgage within six months from the date of expiration of the deposit agreement. With a uniform, monthly contribution of funds to accumulate a deposit for at least 18 (eighteen) months, it is considered a confirmation of the depositor's solvency for further obtaining a loan/mortgage. |
| Interest rate | 1. Mortgage - 12% per annum; 2. For other types of loans - 14% per annum. |
| Funding Method | credit |
| Loan amount | The maximum mortgage amount should not exceed 70% of the value of the purchased property. |
* Effective interest rate: KGS - from 3,03%
Deposit Protection
OJSC "ABank" is a participant in the Deposit Protection System for individuals in the Kyrgyz Republic.
The Deposit Protection System for individuals in the Kyrgyz Republic aims to protect the rights and legitimate interests of depositors of Kyrgyz banks, strengthen confidence in the banking system, and encourage household savings to be placed in banks.
The system is regulated by the Law of the Kyrgyz Republic "On the protection of Bank Deposits (deposits)". Compensation to depositors is limited to 1,000, 000 KGS per depositors.
Aiyl Bank OJSC is a member of the deposit protection system in accordance with the Law of the Kyrgyz Republic “On the Protection of Bank Deposits” and is included in the register of participating banks for 18/09 of August 12, 2009.
For all questions, please contact the Head Office or subdivisions of Aiyl Bank OJSC.
The Bank reserves the right to change the established tariffs depending on market conditions, as well as by agreement with the client to set individual tariffs / rates on deposits, cash management services, according to the decision of the authorized bodies / persons of the Bank and in accordance with the legislation of the Kyrgyz Republic.