Sometimes, we need some big purchases (real estate, car, etc.) or have big expenses like payment for education of the children or vocation at the Issyk-Kul lake and so on.

Many people dream to have their own housing. Why? Own house or flat provides security, warmth and comfort, and feeling of reliability, which rented housing would not ensure.

Probably, you will agree that it will be difficult for modern person to stay without electricity, heat in apartment or house, without electrical appliances ensuring his/her usual comfort.

Credit history of the borrower – it is the whole information on client, which is accumulated at the credit-informational bureau “Ishenim” for many years. It is necessary to state out that consent of the client in written form is required in order to submit data on client in the bureau.

When you administer your individual budget, you are responsible for decision-making. Question is raised in family matters – who should manage the family budget? May be, husband as main breadwinner, wife as the hearth keeper, or all together – since the family budget is concern of everyone.