According to the new document, military personnel will have the opportunity to participate in this program throughout their service, regardless of their location. Previously, especially military personnel stationed in remote or mountainous regions faced restrictions related to territorial conditions—participation in the program depended on their place of registration or work.
The amendments made in August 2025 to the law "On the Status of Military Personnel" allowed military personnel to participate in the "Menin үйүм" program regardless of their place of service.
The State Committee for National Security emphasizes that mortgage lending within the program is designed for a term of up to 25 years, which requires determining a permanent residence in advance. However, the frequent change of duty stations in military service made it difficult to participate in housing programs that were tied to the current place of service.
The introduction of these changes is aimed at increasing the social security of military personnel and the stability of the Armed Forces' personnel, as military personnel who take out long-term mortgages will be interested in extending their service for the entire duration of the loan, as stated in the justification for the changes.
Comparative Table
| Current Edition | Proposed Edition |
| Decree of the President of the Kyrgyz Republic "On Approval of the State Housing Program of the Kyrgyz Republic "Menin үйүм" dated July 17, 2024, No. 191 | |
Appendix 2 PROCEDURE for selecting participants in the state housing program of the Kyrgyz Republic "Menin үйүм" Chapter 2. Selection Criteria for Program Participants by Housing Financing Directions 3. General selection criteria for citizens by housing financing directions "Social Mortgage," "Preferential Mortgage," and "Affordable Mortgage": - age limit of 18 (eighteen) years at the time of application for participation in the Program; - having a total work experience/period of entrepreneurial/economic activity of at least 2 (two) years or experience/period of entrepreneurial or economic activity in this organization of at least 1 (one) year; - absence of the participant, the participant's spouse, and minor children of the participant of their own housing in the territory of the Kyrgyz Republic; - absence of the participant, the participant's spouse, and minor children of the participant of any civil law transactions related to the transfer of ownership of housing throughout the territory of the Kyrgyz Republic for the last 3 (three) years before the date of application for participation in the Program and at the time of receiving housing financing; 1) housing financing under the "Preferential Mortgage" direction will be available to citizens working in the following organizations: - state bodies of executive, judicial, and legislative power; - state and municipal organizations; - local self-government bodies; - subordinate organizations and enterprises of state bodies and local self-government bodies; - state and municipal educational organizations; - state and municipal health organizations; - Armed Forces of the Kyrgyz Republic and military formations of state bodies; - authorized body, one of whose activities is the implementation of state programs; - state television and radio organizations; 2) housing financing under the "Affordable Mortgage" direction will be available to all citizens engaged in labor activities, according to the selection criteria of this Procedure; 3) housing financing under the "Social Mortgage" direction will be available to the following categories of citizens: - those with at least 5 (five) minor children; - awarded the "Baatur Ene" order; - persons with disabilities; - persons raising children with disabilities or having family members with disabilities; - official lifelong guardians of persons with disabilities; - citizens (not married) with minor child/children, in whose birth certificates there is no record of one of the parents; - widows and widowers (not married) with minor child/children; - young specialists under the age of 35 (thirty-five) at the time of application, engaged in labor and economic/entrepreneurial activities in rural areas. 4. Notes on the Program selection criteria: 1) participation in the Program is allowed: - if the participant, the participant's spouse, and minor children of the participant have a total share in housing of no more than 20 (twenty) sq.m, provided there are no civil law transactions related to the transfer of ownership of housing throughout the territory of the Kyrgyz Republic for the last 3 (three) years before the date of application for the Program and at the time of receiving housing financing; - if there is a share of no more than 20 sq.m in housing inherited by the participant, the participant's spouse, and minor children of the participant; - if there is a civil law transaction related to a share of no more than 20 sq.m in housing inherited by the participant, the participant's spouse, and minor children of the participant; 2) individual citizens of the republic may be granted housing financing by decisions of the President of the Kyrgyz Republic and the Chairman of the Cabinet of Ministers of the Kyrgyz Republic, without regard to the selection criteria and the procedure for forming lists of Program participants, with the following information reflected in the decisions: - conditions for providing housing financing: interest rate, term; - in the absence of housing stock of the GIC, conditions for the purchase of housing; 3) ministries and agencies that participated in forming the housing stock of the GIC (participation in construction, attracting financial resources, financing construction, or transferring real estate to the GIC on a gratuitous/paid basis) are given priority rights to receive housing financing without regard to the procedure for forming lists of Program participants; 4) in case of changing the region of labor activity, at the participant's own initiative, the participant is removed from the waiting list of the Program and submits a new application indicating the new region of labor activity. In case of changing the region of labor activity due to rotation within the labor activity, the original region in the lists does not change; 5) within the mechanisms of capital repair and expansion of existing housing, participation in the Program is allowed for citizens of the Kyrgyz Republic who have their own housing. The selection criteria and conditions for housing financing under the mechanisms will be developed and approved by separate decisions of the GIC, in coordination with the Coordination Council; 6) the conditions and parameters of mortgage loans provided to citizens of the Kyrgyz Republic from the funds of investors (international donors, creditors, and others), as well as within housing programs developed with the participation of investors, are regulated by separate agreements; 7) in the implementation of the Program, based on proposals from state bodies, the Coordination Council may make the following decisions: - establishment of additional selection criteria and conditions for housing financing mechanisms; - inclusion of additional categories of citizens in the "Social Mortgage" and "Preferential Mortgage" directions; - provision of quotas for priority rights to receive housing financing of no more than 20 (twenty) % of the number of housing units available in the housing stock of the GIC; 8) a participant, including the participant's spouse, is provided with housing financing under the Program no more than 1 (one) time; 9) special selection criteria for a separate category of citizens and housing financing mechanisms: - for official lifelong guardians of persons with disabilities, one criterion applies: having a total work experience/period of entrepreneurial/economic activity of at least 2 (two) years or experience/period of entrepreneurial/economic activity in this organization of at least 1 (one) year; - within the housing financing mechanism for shared construction of housing, including under the "Accumulation Mortgage" product, one criterion applies: absence of the participant, the participant's spouse, and minor children of the participant of housing and any civil law transactions related to the transfer of ownership of housing throughout the territory of the Kyrgyz Republic for the last 3 (three) years before the date of application for participation in the Program; - military personnel, during their military service, are granted the right to participate in the Program, regardless of their place of military service, provided that all established participation criteria and the procedure for submitting an application for participation in the Program are met. | |
