Kyrgyzstan State Mortgage Company (GIK / МИК) Calculator
Compute monthly mortgage installments under the state housing program "Moy Dom 2021-2026": 4% social mortgages for budget employees and 8% preferential loans for citizens.
🏠 Параметры ипотечного кредита ГИК (Loan Input)
📊 График платежей по ипотеке ГИК (Monthly Installment)
| Параметр ипотеки | Условие | Сумма (KGS сом) |
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❓ Часто задаваемые правовые вопросы (FAQ)
What is the State Mortgage Company (ГИК / МИК) in Kyrgyzstan?
The State Mortgage Company (ОАО «Ð“оÑударÑÑ‚Ð²ÐµÐ½Ð½Ð°Ñ Ипотечная Компаниѻ - ГИК / МИК) is the state financial institution implementing affordable housing programs, including the presidential program "Mening Uyym" (Мой дом 2021–2026), providing subsidized long-term mortgages for Kyrgyz citizens.
What are the interest rates for different citizen categories under GIK?
Under GIK programs: social mortgages for state budget employees (doctors, teachers, civil servants) are financed at 4% per annum; preferential mortgages for general private-sector citizens are offered at 8% per annum (or 6% with 20% down payment).
What is the maximum loan tenure and loan limit for GIK mortgages?
The maximum loan maturity period is up to 25 years (300 months). The maximum loan amount typically reaches 4,000,000 to 5,000,000 KGS depending on property size and region.
Does GIK offer Islamic housing finance mechanisms?
Yes. GIK provides Sharia-compliant Islamic housing finance products, primarily through Murabaha (cost-plus sales) and Ijara Muntahia Bittamleek (lease-to-own), with fixed profit margins matching the 4% and 8% conventional benchmarks.
What down payment (первоначальный взнос) is required?
Under newly constructed state GIK residential complexes, mortgages are available with 0% down payment (no initial deposit required, with repayment funded entirely through monthly installments), or 10% to 20% for secondary market acquisitions.
Engr. Muhammad Shahzad
Verified Central Asian Statutory Systems & Fiscal SpecialistChartered Systems Engineer and Public Finance Modeler. Specializing in Eurasian Economic Union (EAEU) customs harmonization, Kyrgyz Tax Code subsoil royalties & Unified Tax architectures, Social Fund contribution reforms, and CIS energy utility tariffs under Kyrgyz Republic statutes.