The Joint Stock Company "Guarantee Fund" has made amendments to the legislation to make guarantees available not only for businesses but also for individuals. This was announced by the Chairman of the Board, Malik-Aidar Abakirov, at a press conference at the "Kabar" agency.
According to Abakirov, the fund began providing guarantees to citizens for mortgage lending two years ago. "Many citizens face difficulties with the down payment. To solve this problem, they can contact the fund through banks to obtain a guarantee, which is usually provided automatically," he explained.
In 2025, the Guarantee Fund issued guarantees totaling 4.1 billion soms, which allowed attracting loans amounting to nearly 13.7 billion soms. In particular, under the mortgage product "Kelechek," which does not require a down payment, 105 guarantees were issued for a total of 127.6 million soms, corresponding to a loan volume of 512 million soms.
Under the "Unaa" program – for auto loans without a down payment, 154 guarantees were issued for a total of 67.1 million soms, amounting to 261.8 million soms in loans. Additionally, under the portfolio guarantee "Yldam," 158 guarantees were issued for a total of 91 million soms, with a total loan volume of 414.4 million soms.
