Mortgage Calculator Kyrgyzstan 2026
Calculate your monthly mortgage payment in Kyrgyzstan, total interest and full amortisation schedule. Fixed or variable rate (central bank reference rate). Updated for 2026.
Amortisation schedule
| Month | Payment | Interest | Principal repaid | Outstanding balance |
|---|
| Month | Payment | Interest | Principal repaid | Outstanding balance |
|---|
What mortgage can I afford?
Enter your net income to calculate the recommended maximum payment and the mortgage amount you can finance.
Maximum mortgage by term
| Term | Maximum (30%) | Maximum (35%) |
|---|
Indicative estimate based on international responsible lending guidelines. Actual approval depends on the lender, credit history and local regulations.
How do mortgages work in Kyrgyzstan?
Like most countries, mortgages in Kyrgyzstan use the French amortisation system: constant monthly payments throughout the life of the loan. The formula is C = P × [r(1+r)^n] / [(1+r)^n − 1], where P is the principal, r the monthly interest rate and n the total number of instalments. The local currency is the KGS (с).
Reference interest rate in Kyrgyzstan
The standard reference index for variable-rate mortgages in Kyrgyzstan is the central bank reference rate. For variable mortgages, the applied rate = reference index + spread agreed with the lender. Reviews are typically annual or semi-annual.
Source: national central bank. This calculator lets you enter any reference rate value and compare scenarios.
Practical example: с3,000,000 over 15 years at 12.0%
For a fixed-rate mortgage of с3,000,000 over 15 years at 12.0% per year:
| Item | Value |
|---|---|
| Monthly payment | с36,005 |
| Total paid (15 years) | с6,480,908 |
| Total interest | с3,480,908 |
How much should I spend on a mortgage?
The general international recommendation is that the monthly mortgage payment should not exceed 30–35% of the household's net monthly income. If you have other debts, the total should not exceed 40%. Use the "What mortgage can I afford?" section on this page to calculate your borrowing capacity.
Indicative figures for 2026. This calculator provides results based on the French amortisation system; for a binding offer please consult your local financial institution.
Frequently asked questions about mortgages in Kyrgyzstan
How is the monthly mortgage payment calculated in Kyrgyzstan?
What is the reference rate for variable mortgages in Kyrgyzstan?
Is it better to take a fixed or variable mortgage?
What is a mortgage amortisation schedule?
What share of income should go towards a mortgage?
How is a mortgage calculated in other countries?
The French amortisation system (constant monthly payment) is universal, but each market has its own characteristics: the reference rate for variable mortgages, the typical fixed rate, the maximum loan term and the local currency all vary significantly. In high-inflation countries like Turkey or Argentina, rates exceed 30%; in Japan or Switzerland, they are below 2%.
| Country | Currency | Variable index | Typical fixed rate | Typical term |
|---|---|---|---|---|
| 🇫🇷 France | € (EUR) | Euribor | 3.5 % | 20 years |
| 🇩🇪 Germany | € (EUR) | Euribor | 3.5 % | 25 years |
| 🇬🇧 United Kingdom | £ (GBP) | Bank of England Base Rate | 4.5 % | 25 years |
| 🇨🇭 Switzerland | Fr. (CHF) | SNB Policy Rate / SARON | 1.8 % | 20 years |
| 🇺🇸 United States | $ (USD) | Prime Rate / Fed Funds Rate | 6.5 % | 30 years |
| 🇨🇦 Canada | CA$ (CAD) | Bank of Canada Policy Rate | 4.5 % | 25 years |
| 🇦🇺 Australia | A$ (AUD) | RBA Cash Rate | 5.5 % | 25 years |
| 🇳🇿 New Zealand | NZ$ (NZD) | RBNZ Official Cash Rate | 5.5 % | 25 years |
| 🇯🇵 Japan | ¥ (JPY) | Bank of Japan Policy Rate | 1.5 % | 35 years |
| 🇨🇳 China | ¥ (CNY) | LPR | 4.0 % | 25 years |
| 🇮🇳 India | ₹ (INR) | RBI Repo Rate | 8.5 % | 20 years |
| 🇧🇷 Brazil | R$ (BRL) | SELIC Rate | 11.5 % | 25 years |
| 🇲🇽 Mexico | $ (MXN) | TIIE | 11.0 % | 20 years |
| 🇹🇷 Turkey | ₺ (TRY) | CBRT Policy Rate | 35.0 % | 15 years |
| 🇿🇦 South Africa | R (ZAR) | SARB Repo Rate | 11.0 % | 20 years |
| 🇸🇬 Singapore | S$ (SGD) | central bank reference rate | 3.0 % | 30 years |
Mortgage calculators by country
Select your country to calculate the monthly payment with each market's default values:
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