The loan is "Easily" issued for any purpose for individuals and legal entities.&nbsp;You only need a passport and the consent of your spouse to get a loan.<figure class="table"><table><tbody><tr><td>Loan amount</td><td>10 000 - 100 000 KGS</td></tr><tr><td>Loan term</td><td>up to 70&nbsp;000 KGS – from 3-12 months;from 70&nbsp;001 up to 100&nbsp;000 KGS – &nbsp;from 3-18 months</td></tr><tr><td>Rate</td><td>28%</td></tr><tr><td>Pledge&nbsp;</td><td>Not required</td></tr><tr><td>&nbsp;Collateral</td><td>Not required</td></tr><tr><td>Availability of parallel loans&nbsp;</td><td>It is allowed to have 3 parallel loans in other FCS (not overdue), and/or the presence of parallel collateral loans and/or 1 parallel unsecured loan in CJSC Bank of Asia</td></tr></tbody></table></figure>*&nbsp;The effective interest rate with 28% is 32,58%

Easy

“Bank of Asia” issues a salary credit for employees whose main source of income is wages.The loan is issued for any purpose, except for mortgages.<figure class="table"><table><tbody><tr><td rowspan="2">&nbsp;</td><td colspan="2">Employees of organizations served by the card project:</td></tr><tr><td>in “Bank of Asia” CJSC</td><td>in other financial organizations</td></tr><tr><td>Amount of loan</td><td>200 000 KGS</td><td>100 000 KGS</td></tr><tr><td>Work experience &nbsp;&nbsp;</td><td>At least 3 months in this organization</td><td>At least 4 months in this organization</td></tr><tr><td>Loan terms</td><td colspan="2">up to 70&nbsp;000 soms: from 3 to 12 months;from 70&nbsp;001 to 200&nbsp;000 soms: from 3 to 24 months</td></tr><tr><td>Conditions</td><td colspan="2">Without collateral and redge.</td></tr><tr><td>Repayment schedule</td><td colspan="2">Annuity payment</td></tr><tr><td>Additional conditions &nbsp;&nbsp;</td><td colspan="2"><ul><li>The loan is issued within one hour;</li><li>Statement from the card account for the last 4 months (to employees of organizations serviced by the card project in other FCO).</li></ul></td></tr></tbody></table></figure>&nbsp;&nbsp;*&nbsp;The effective interest rate with 30% per annum&nbsp; is 34,27%*&nbsp;The effective interest rate with 24% per annum&nbsp; is 26,66%

Salary loan

Do you urgently need the amount of money to fulfill your plans?Use the loan "EXPRESS-500"!This loan is issued for any purpose and is intended both for individuals and for private entrepreneurs.&nbsp;Lending terms:<figure class="table"><table><tbody><tr><td>Borrower's status</td><td>Individuals, individual entrepreneurs, pensioners</td></tr><tr><td>Income requirements</td><td>At least 6 months of business existence, or at least 4 months of continuous employment at one workplace.</td></tr><tr><td>Term for consideration of loan application</td><td>No more than 2 working days</td></tr><tr><td>Loan amount</td><td>- from 7,000 KGS to 400,000 KGS- from 400,001 KGS to 500,000 KGS for repeat customers who have credit history with Bank of Asia CJSC not less than 12 months, provided that there are no delinquencies of more than 15 days in aggregate for the last 12 payments on loans of Bank of Asia CJSC.</td></tr><tr><td>Loan term</td><td>- from 3 months to 36 months;- in case of real estate pledge - from 3 months to 48 months.</td></tr><tr><td>Loan currency</td><td>KGS</td></tr><tr><td>Loan purpose</td><td>Any goals, including meeting the client's personal needs</td></tr><tr><td>Repayment schedule</td><td>1. Annuity payment2.&nbsp;Agri loans can offer flexible repayment schedules based on seasonality in the business.</td></tr><tr><td>% rate</td><td>26% for new customers25% for repeat customers</td></tr><tr><td>Loan security</td><td>1.&nbsp;&nbsp; Third party surety;2. It is possible to issue a loan secured by real estate/vehicles.</td></tr><tr><td>Loan disbursement method</td><td>Transfer of funds to Elcard/without opening an account via cash desk/current account</td></tr></tbody></table></figure>&nbsp;&nbsp;*The effective interest rate of a loan "Express-500" in soms with 25% per annum is 27,9%&nbsp;

EXPRESS – 500

Use the loan "Standard - 3 500" from "Bank of Asia" for the development of your business.The loan is intended for individuals and legal entities and is issued for any purpose, including:<ul><li>Replenishment of working capital</li><li>Investment and Consumer Purposes</li></ul>&nbsp;Loan amount - up to 3 500 000 soms.Lending terms:<ul><li>The term of the business (work experience) - at least 12 months</li><li>Annuity or individual payment</li></ul><figure class="table"><table><tbody><tr><td>Loan amount (soms)</td><td colspan="2">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 700 001-3 500 000</td></tr><tr><td>Loan term</td><td colspan="2">For replenishment of working capital -&nbsp; from 3 months to 36 months.For investment purposes from - 3 months to 60 months</td></tr><tr><td>Currency</td><td>&nbsp; &nbsp;KGS</td><td>USD</td></tr><tr><td>Rate</td><td>&nbsp;21- 22%&nbsp;</td><td>12%-15%</td></tr><tr><td>Pledge</td><td colspan="2">Real estate and, if necessary, movable property, goods in circulation, fixed assets.Mandatory guarantee:- owners of a legal entity, if the loan is issued to a legal entity, and in reverse order</td></tr><tr><td>The existence of parallel credit at another Bank</td><td colspan="2">2 loans</td></tr><tr><td>Income requirements</td><td colspan="2">The duration of the business or work experience is at least 12 months.</td></tr><tr><td>Additional conditions</td><td colspan="2">Loans in foreign currency (except for the currencies of the EAEU member states) can be issued only in cases when the share of the borrower's income in foreign currency in the total volume of his total income is 50 percent or more.At the same time, the interest rate on such loans will be determined as follows:1. The share of income in foreign currency in the total volume of its total income from 50% to 75% - interest rates according to the Terms of the Bank's lending, plus 3% per annum;2. The share of income in foreign currency in the total volume of its total income is more than 75% - interest rates according to the Terms of the Bank's lending.</td></tr></tbody></table></figure>&nbsp;*&nbsp;The effective interest rate&nbsp; with 21% per annum is 23,01%*&nbsp;The effective interest rate with US dollars with 12% per annum is 12.61% &nbsp;

STANDARD-3500

<figure class="table"><table><tbody><tr><td>Amount</td><td>&nbsp;50 000 – 1 000 000&nbsp;&nbsp;KGS &nbsp;&nbsp;</td></tr><tr><td>Rate</td><td>0%</td></tr><tr><td>Purpose of the loan</td><td>On working capital (raw materials, supplies, stocks, goods and other resources for the functioning/resumption of entrepreneurial activity);For operating expenses (including labor costs, rent, utility bills and others);For investment financing (equipment, digital technologies, mitigation and adaptation in the green economy, and others). Agriculture is not funded</td></tr><tr><td>Long term</td><td>until 36 months</td></tr><tr><td>Collateral &nbsp;</td><td>1. Up to 250,000 SOM inclusive - third party guarantee/real estate/motor transport;2. More than 250,000 SOM - collateral for real estate, if necessary, additional movable property, goods in circulation, fixed assets of the client.</td></tr><tr><td>Borrower status</td><td>Individual entrepreneurs (currently active, as well as for at least 6 months as of the date of filing an application with the Bank), working on the basis of a voluntary patent or a certificate of registration of an individual entrepreneur, working in accordance with the tax legislation of the Kyrgyz Republic, whose annual turnover does not exceed 8 million soms.</td></tr><tr><td>The method of issuing a loan</td><td>It is paid to the account of the microenterprise.</td></tr><tr><td>Additional documents provided by the borrower</td><td>1. Completed Borrower Satisfaction Questionnaire (Appendix No. 1);2. Completed Application form for registration of returnable financial assistance (VFP);3. A valid voluntary patent, or a certificate of registration of an individual entrepreneur or other documents from state bodies confirming the conduct of entrepreneurial activity, in case of loss of the originals;4. Documents confirming payments related to the tax regime and social insurance (any 6 months before the application is submitted);5. A document confirming exemption from payment or absence of arrears on taxes and social insurance.</td></tr></tbody></table></figure>

Emergency SMB support category 1

<figure class="table"><table><tbody><tr><td>Amount</td><td>от 100 000 до 3 000 000 KGS</td></tr><tr><td>Rate</td><td>0%</td></tr><tr><td>Purpose of the loan</td><td>On working capital (raw materials, supplies, stocks, goods and other resources for the functioning/resumption of entrepreneurial activity);For operating expenses (including labor costs, rent, utility bills and others);For investment financing (equipment, digital technologies, mitigation and adaptation in the green economy, and others). Agriculture is not funded</td></tr><tr><td>Period</td><td>until 36 months &nbsp;</td></tr><tr><td>Collateral</td><td>1. Up to 250,000 SOM inclusive - third party guarantee/real estate/motor transport;2. More than 250,000 SOM - collateral for real estate, if necessary, additional movable property, goods in circulation, fixed assets of the client.Mandatory guarantee:- owners of a legal entity, if the loan is issued to a legal entity, and in reverse order;- guarantee of co-owners/business partners, if any.</td></tr><tr><td>Borrower status</td><td>- Individual entrepreneurs (active for at least 6 months as of the date of application to the Bank), working on the basis of a certificate of registration of an individual entrepreneur whose annual turnover is from 8 million soms to 30 million soms.- Legal entities (LLC or JSC), (operating for at least 6 months as of the date of filing an application with the Bank), operating in accordance with the tax legislation of the Kyrgyz Republic, whose annual turnover does not exceed 30 million soms.</td></tr><tr><td>The method of issuing a loan</td><td>-&nbsp;The issue is made to the Borrower's current account.</td></tr><tr><td>Additional documents provided by the borrower</td><td>For small and medium-sized businesses (without the formation of a legal entity):1. Completed Questionnaire of satisfaction of the borrower (Appendix No. 1);2. Completed Application form for registration of returnable financial assistance (VFP);3. A copy of the certificate of registration of an individual entrepreneur or other documents from state bodies confirming the conduct of entrepreneurial activity, in case of loss of the originals;4. Documents confirming the payment of tax payments related to the tax regime and social insurance (any 6 months before the application is submitted);5. A document confirming exemption from payment or absence of arrears on taxes and social insurance.ForLegal entities:1. Copies of constituent documents;2. Financial statements for the last reporting period;3. A document confirming exemption from payment or absence of arrears on taxes and social insurance;4. Other documents required by the Bank to review the application and assess the client's solvency. &nbsp;</td></tr></tbody></table></figure> &nbsp;

Emergency SMB support category 2

Do you need a sufficient amount for consumer purposes, buying a good machine or realizing your business ideas?"Bank of Asia" provides an opportunity to issue a loan for short terms of up to 700 000 soms!Lending terms:<ul><li>Business term or work experience - not less than 6 months</li></ul>Benefits:<ul><li>The term of the business (work experience) - at least 6 months</li><li>A simple and understandable repayment scheme - an annuity, individual schedule</li></ul>&nbsp;<figure class="table"><table><tbody><tr><td>Loan amount (KGS)</td><td colspan="2">250 001 - 700 000</td></tr><tr><td>CurrencyПродукт&nbsp;% ставка (сом)</td><td>KGS</td><td>USD</td></tr><tr><td>Loan term</td><td colspan="2">For replenishment of working capital - from 3 months to 36 months;For investment purposes - from 3 months to 48 months</td></tr><tr><td>Rate</td><td>&nbsp;22 - 25%&nbsp;(KGS)&nbsp;</td><td>13-17%(USD)</td></tr><tr><td>Pledge</td><td colspan="2">Real estate, if necessary, movable property, goods in circulation, fixed assets</td></tr><tr><td>The existence of parallel credit at another Bank</td><td colspan="2">2 loans</td></tr><tr><td>Additional conditions</td><td colspan="2">Loans in foreign currency&nbsp;(except for the currencies of the EAEU member states) can be issued only in cases when the share of the borrower's income in foreign currency in the total volume of his total income is 50 percent or more. At the same time, the interest rate on such loans will be determined as follows:1. The share of income in foreign currency in the total volume of its total income from 50% to 75% - interest rates according to the Terms of the Bank's lending, plus 3% per annum;2. The share of income in foreign currency in the total volume of its total income is more than 75% - interest rates according to the Terms of the Bank's lending &nbsp;</td></tr><tr><td>Income requirements</td><td colspan="2">The duration of the business or work experience – at least 6 months</td></tr></tbody></table></figure>&nbsp;* The effective interest rate&nbsp; in soms at 23% per annum is 25,4%&nbsp;* The effective interest rate in US dollars at 13% per annum is 13,72%

MINI-700

Do you want to buy a car for a long time? Take a car loan from the Bank of Asia!The loan is provided&nbsp;for both entrepreneurs and individuals.Loan terms:<ul><li>The year of manufacture of the car should not exceed 20 years at the end of the loan;</li><li>The cost of the purchased vehicles should not exceed 2,850,000 KGS</li></ul>Advanatages:<ul><li>Auto insurance as a gift from the bank!</li></ul><figure class="table"><table><tbody><tr><td>Product</td><td>Vehicle loan</td></tr><tr><td>Description and Objectives</td><td>Loan, for the purchase of motor vehicles</td></tr><tr><td>Borrower status</td><td>Individuals and individual entrepreneurs;Individuals</td></tr><tr><td>Own contribution</td><td>Not required</td></tr><tr><td>Maximum loan amount</td><td>Up to 2,000,000 KGS</td></tr><tr><td>Minimum loan amount</td><td>From 100,000 KGS</td></tr><tr><td>Currency</td><td>KGS</td></tr><tr><td>Interest rate</td><td>23% p.a.</td></tr><tr><td>Term</td><td>Up to 60 months</td></tr><tr><td>Repayment schedule</td><td>Annuity</td></tr><tr><td>Requirements to the borrower (age)</td><td>from 21;</td></tr><tr><td>Ensuring</td><td>Purchased vehicle, with own deposit of 30% or more, with the year of manufacture not more than 15 years old, if own deposit is less than 30%, additional security in the form of real estate or insured vehicle is required.Purchased vehicle, with own contribution of 40% or more, with the year of manufacture not more than 16 – 20 years, if own contribution is less than 40%, additional security in the form of real estate or insured vehicle is required.</td></tr><tr><td>Requirement for the purchased vehicle</td><td>For cars of Russian and Uzbek production year of manufacture is not older than 10 years.</td></tr><tr><td>Additional terms and conditions</td><td>Mandatory vehicle insurance for the term of the loan:- at the bank's expense, if the borrower's age does not exceed 65 years at the time of loan termination;- at the customer's expense, if the borrower's age exceeds 65 years at the time the loan ends.</td></tr><tr><td>Note</td><td>The loan is disbursed after the borrower has registered the purchased car and pledged it as collateral. In this case, the Bank gives a letter of guarantee to the Seller that after re-registration and pledging the vehicle, it will disburse the funds.</td></tr></tbody></table></figure>&nbsp;&nbsp;*Effective interest rate with 23% per annum&nbsp; is 25,50% &nbsp;&nbsp;

Car loan

Do you neeed an urgent small amount to buy a phone, household appliances or to launch a small business?Get loan "Mig-250"!&nbsp;The loan is issued without pledge and collateral for any purposes both for individuals (working on wages), and for entrepreneurs.The loan amount is up to 250 000 soms.Advantages of loan:<ul><li>Minimum package of documents</li><li>Life insurance - as a gift from the bank!</li><li>Simple and clear repayment scheme - annuity</li></ul><figure class="table"><table><tbody><tr><td>Borrower's status</td><td>Individuals and individual entrepreneurs</td></tr><tr><td>Income requirements</td><td>At least 6 months of business existence, or at least 4 months of continuous employment at one workplace.</td></tr><tr><td>Term for consideration of loan application</td><td>No more than 2 working days</td></tr><tr><td>Loan amount</td><td>- from 7,000 KGS to 200,000 KGS- from 200,001 KGS to 250,000 KGS for repeat customers who have credit history with Bank of Asia CJSC not less than 12 months, provided that there are no overdue payments for more than 15 days in aggregate for the last 12 payments on loans of Bank of Asia CJSC.</td></tr><tr><td>Loan term</td><td>For amounts up to 70,000 KGS from 3 months to 12 months;For amounts from 70,001 KGS to 250,000 KGS from 3 months to 24 months.</td></tr><tr><td>Loan currency</td><td>KGS</td></tr><tr><td>Loan purpose&nbsp;</td><td>For any purpose</td></tr><tr><td>Repayment schedule</td><td>Annuity payment</td></tr><tr><td>% rate</td><td>28% for new customers27% for repeat customers</td></tr><tr><td>Loan security</td><td>No collateral;It is possible to issue a loan with a spouse and/or third-party guarantee.</td></tr><tr><td>Loan disbursement method&nbsp;</td><td>In cash through the bank's cash desk, or by crediting to the client's bank account</td></tr><tr><td>Borrower age requirements</td><td>from 20 to 65 (at the time of loan termination).</td></tr><tr><td>Insurance</td><td>Mandatory life insurance at the expense of the Bank</td></tr></tbody></table></figure> &nbsp;

Borrower's status	Individuals, individual entrepreneurs, pensioners
Income requirements	At least 6 months of business existence, or at least 4 months of continuous employment at one workplace.
Term for consideration of loan application	No more than 2 working days
Loan amount	- from 7,000 KGS to 400,000 KGS - from 400,001 KGS to 500,000 KGS for repeat customers who have credit history with Bank of Asia CJSC not less than 12 months, provided that there are no delinquencies of more than 15 days in aggregate for the last 12 payments on loans of Bank of Asia CJSC.
Loan term	- from 3 months to 36 months; - in case of real estate pledge - from 3 months to 48 months.
Loan currency	KGS
Loan purpose	Any goals, including meeting the client's personal needs
Repayment schedule	1. Annuity payment 2. Agri loans can offer flexible repayment schedules based on seasonality in the business.
% rate	26% for new customers 25% for repeat customers
Loan security	1. Third party surety; 2. It is possible to issue a loan secured by real estate/vehicles.
Loan disbursement method	Transfer of funds to Elcard/without opening an account via cash desk/current account

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