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Mortgage
Under its "Finance your home today!" mortgage service, AsiaUniversalBank offers its "My Home" and "My Home +" long-term, fixed-rate mortgage programs.
My Home
Is AUB’s classic mortgage program. "My Home" program allows you to purchase property today, and pay off its full price over the course of the next few years. A mortgage loan from AUB will allow you to eliminate rent from your list of expenses, and shelter your savings form inflation and continuous rise in hosing prices.
| Mortgage currency | USD, KGS | |||
| Downpayment | 30% of assessed property value 1 | |||
| Annual interest rate |
20% | |||
| Mortgage term | 5 years | |||
| Repayment schedule |
equal monthly installments | |||
| Closing fee | 0% | |||
| Collateral |
| |||
|
Mortgagable properties |
Mortgages are available for the purchase of real properties in the city of Bishkek | |||
1 determined by the bank.
Monthly payments due under the "My Home" mortgage program
| Mortgage amount (USD) | Monthly payments (20%) |
| 10 000,0 |
265 |
| 15 000,0 |
397 |
| 20 000,0 |
530 |
| 25 000,0 |
662 |
| 30 000,0 |
795 |
| 35 000,0 |
927 |
|
40 000,0 |
1060 |
| 45 000,0 |
1192 |
| 50 000,0 |
1325 |
| 55 000,0 |
1457 |
| 60 000,0 | 1590 |
My Home+
Mortgage program with the most advantageous terms for borrowers. Principal differences to the “My Home” classic program: longer mortgage term, lower interest rates, bank deposit.
| Loan currency | USD, KGS | ||||||||||||
| Downpayment |
| ||||||||||||
| Annual interest rate |
7 years | ||||||||||||
| Repayment schedule | Equal monthly installments | ||||||||||||
| Closing fee | 0,2% | ||||||||||||
| Collateral | Purchased property and bank deposit | ||||||||||||
| Mortgagable properties | Mortgages are available for the purchase of real properties in the city of Bishkek | ||||||||||||
Monthly payments due under the “My Home +” mortgage program
| Mortgage amount (USD) | Monthly payment | ||||
| 16% | 15% | 14% | 12% | ||
| 10 000,0 |
199 |
193 | 187 | 177 | |
| 15 000,0 | 298 |
289 | 281 | 265 | |
| 20 000,0 | 397 |
386 | 375 | 353 | |
| 25 000,0 | 497 |
482 | 469 | 441 | |
| 30 000,0 | 596 |
579 | 562 | 530 | |
|
35 000,0 |
695 |
675 |
656 |
618 | |
| 40 000,0 | 794 |
772 |
750 | 706 | |
| 45 000,0 | 894 |
868 | 843 | 794 | |
| 50 000,0 | 993 |
965 | 937 | 883 | |
| 55 000,0 | 1092 |
1061 | 1031 | 971 | |
| 60 000,0 | 1192 | 1158 | 1124 | 1059 | |
Mortgage — is a monetary loan provided to client for the purpose of purchasing an apartment or a house. Borrower pays the bank interest on the loaned funds, and also makes monthly payments of the principal borrowed.
Equal monthly installments — ensure that all monthly payments are the same throughout the mortgage term and include both the repayment of principal and payment of interest .
Licence NBKR #039
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