Kyrgyzstan’s government is targeting completion and handover of more than 20,000 state mortgage apartments by December 31, 2026. This is a target, not a confirmed delivery count: as of October 7, the deadline had not arrived, and the available reporting does not establish how many apartments have actually been handed over.
What the 2026 target means
President Sadyr Japarov announced the target in January, saying more than 20,000 apartments were expected to be completed and delivered during 2026. The announcement concerns handovers in the calendar year; it does not mean all apartments in the national construction pipeline are scheduled for completion by year-end. Kabar reported the January announcement.
As of October 7, 2026, the target remains a forecast. Late-September coverage repeated it, but the sources available do not establish the final number delivered. A completed building, a planned handover and an apartment actually transferred to a recipient are distinct milestones.
Where the target apartments are planned
The January announcement identified these cities and districts for the more-than-20,000 target:
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- Bishkek and Osh
- Manas, Tokmok and Kara-Balta
- Karakol, Cholpon-Ata and Balykchy
- Naryn, Talas and Batken
- Kochkor district in Naryn region
- Kara-Suu and Uzgen districts in Osh region
Kabar separately reported a broader list of places where active handovers were planned, including Sokuluk, Kemin and Jalal-Abad. That broader list should not be confused with the specific geography given for the president’s 2026 target.
October handovers reported as conditional
On September 30, Open.kg, attributing its information to the State Mortgage Company and identifying Kabar as its source, listed the following October handovers as expected if construction finished on time. These were projections, not independently verified completions.
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| Location | Reported expected apartments |
|---|---|
| Bishkek, Malikova Street | 1,104 |
| Bishkek, Begmatova Street | 105 |
| Manas, Malasheva Street | 600 |
| Manas, Sadyrova Street | 1,065 |
| Barpy village, Suzak district | 312 |
| Karakol, Karasaev Street | 500 |
| Naryn, Moldoev Street | 216 |
| Kochkor village | 217 |
The schedule gives locations and apartment counts, but it does not confirm that those buildings were completed or handed over. Open.kg’s September 30 report is the source for these conditional October projections.
Construction pipeline figures are not delivery totals
Kabar reported that Japarov cited 80,245 state mortgage apartments under construction nationwide in January. A September 30 Open.kg report, attributing its figure to the State Mortgage Company, said more than 83,000 apartments were being built nationwide. The reports do not explain the difference or establish that their scopes and counting methods are identical, so these figures should be treated as separate dated reports—not as a verified growth series.
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- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
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Neither pipeline figure says how many apartments will be ready for handover in 2026. The over-20,000 number is the distinct annual delivery target.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Housing need and mortgage terms
In September coverage, Japarov was reported to estimate that 150,000–200,000 families need housing and to plan for about 100,000 families to receive housing in 2026–2027. These are the president’s estimate and plan, not measured outcomes.
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Open.kg’s summary of State Mortgage Company information describes program terms of up to 25 years and annual interest rates of 4%–8%. It says the program is open to Kyrgyz citizens over 18 and that a down payment may not be required in some cases. Terms vary by category; these broad figures do not establish an individual applicant’s eligibility or the conditions of a particular mortgage. Check current requirements and terms with the State Mortgage Company before applying. Open.kg’s coverage of the program terms attributes them to the company.
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- CONFIDENTLY AND EASILY SOLVE: Clients' financial questions whether they're buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
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