According to the press service of the Joint Stock Company "Guarantee Fund," since the beginning of 2026, 45 families have been able to acquire their own housing thanks to the mortgage product "Kelechek." As of February 24, 2026, the fund reported that since the program's launch, 150 guarantees have been issued for a total amount exceeding 188.8 million soms, enabling citizens to obtain mortgage loans totaling over 748.1 million soms.
The mortgage product "Kelechek" was introduced in May 2025 to support those facing difficulties in making the down payment on mortgage loans. Since the beginning of 2026, it has become an effective tool for improving housing conditions.
To obtain a mortgage guarantee under "Kelechek," six partner banks are available: Joint Stock Company "Aiyl Bank," Joint Stock Company "Eldik Bank," Joint Stock Company "MBank," Joint Stock Company "Dos-Kredobank," Closed Joint Stock Company "Commercial Bank KSB," and Closed Joint Stock Company "Demir Kyrgyz International Bank."
Main conditions of the "Kelechek" program:
- required work experience or entrepreneurial activity of at least 12 months;
- maximum mortgage financing amount — up to 10 million soms;
- guarantee coverage amount — up to 30% of the housing cost;
- the fee is 2% of the guarantee amount.
