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Consumption purchase loan

Loan size

up to 50 million MNT

loan period

30 months

interest rate

Monthly rate: 2.0%

annual rate: 24.0%

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The loan is deducted from the salary each month with interest.

Consumption purchase loan

You can buy electronic devices, mobile phones, and home furniture from partnering organizations and individuals using Consumption Purchase Loan.


  • During your annual leave and holidays when you incur higher expenses, you can enjoy the grace period for one month period and pay only interest payments;
  • If you buy items, except for mobile phones, worth of up to MNT 3 million, the purchased item shall serve as 100% collateral. Down payment and additional collateral are not needed;
  • If you buy items worth more than MNT 3 million, you can make a down payment or you need to provide additional collateral of the same amount so that you may purchase the item with 100% financing even if you do not have a down payment.

Loan terms:

Loan size
Loan period
Interest rate*
service fee
monthly rateAnnual rate
Up to  MNT 50 million
30 months

*Annual percentage rate: 24.9%


  • To have been employed or run business for last 6 months;
  • No bad loan history.

Required documents:

  • Application form for consumption purchase loan (request from XacBank branch office or download here);
  • 3х4 sized photo;
  • ID card and its copy for the applicant and the family members;
  • Social Insurance Book and its copy for the applicant and the family members;
  • Salary reference for the applicant and the family members, if Social Insurance Book does not reflect the real salary amount (request the form from XacBank branch office or download here);
  • Evidence of business income for family members, if any;
  • Purchase Invoice;
  • Other.

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