Eldik Bank's preferential leasing program is designed for fleet renewal in the public and private sectors.

Key Terms

Interest Rate: 5% to 8% per annum

Leasing Term: Up to 60 months (5 years)

Down Payment: From 20% (if funds are insufficient, a guarantee from the Guarantee Fund may be provided)

Currency: Kyrgyz Som (KGS)

Collateral: Lease Item

Target Audience

The program is available to:

Government and municipal bodies/enterprises;
Employees of public sector and government agencies;
Legal entities and sole proprietors;
Individuals.
Terms by Supplier and Equipment Category

Passenger Cars and Commercial Trucks (Supplier: DT Technik LLC)

Interest Rate:

5% per annum — for government agencies, local governments, state-owned companies (state share ≥ 50%), as well as for employees of public sector organizations and government agencies.

8% per annum — for other legal entities and individuals.

Insurance: Mandatory annual property insurance for the entire lease term (for government agencies — through the State Insurance Organization).

Participation by the Guarantee Fund: Guarantee provided in the event of a partial or insufficient down payment.

Specialized Equipment, Trucks, and Road Utility Vehicles (Supplier: TNK Shumkar OJSC)

Equipment Types: Quarry, road utility, specialty, truck, and commercial vehicles.

Interest Rate:

5% per annum — for government agencies, local governments, municipal/state enterprises, and contractors.

8% per annum — for individuals, sole proprietors, and commercial organizations.

Insurance: Compulsory CASCO and OSAGO insurance with the State Insurance Organization.

Repayment Schedule and Expenses

Interest Repayment: Monthly.

Principal Repayment: Monthly or quarterly in equal installments.

Additional Lessee Expenses:

Lease asset insurance costs;

Vehicle registration with the State Registration Service;

Maintenance, fines, and state fees.

Important Information for the Client

Maintenance: Repairs and maintenance are performed at authorized dealerships with a guarantee of using original spare parts.

Restriction: Subleasing of the leased asset is prohibited.

Required documents: Standard package of documents in accordance with the Bank’s internal regulations.