First Heartland Jýsan Bank

Up to ₸ 65,000,000
Up to 20 years
From 12% p.a.

Loan conditions

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monthly payment

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Details of the product

Requirements for the Borrowers	Citizens of the Republic of Kazakhstan aged 21 to retirement age at the end of the loan no overdue debt exceeding 60 calendar days (for the last three years)
Lending purpose	To buy apartments in the following cities: Astana, Almaty, Shymkent, Aktobe, Aktau, Atyrau, Karaganda, Kokshetau, Kostanay, Kyzylorda, Pavlodar, Petropavlovsk, Semey, Taraz, Uralsk, Ust-Kamenogorsk, Turkestan, Kosshy village. It is allowed to formalize the ownership of the purchased apartment, both for the borrower and for a third party
Loan amount	The minimum amount is 1,000,000 Tenge The maximum amount is 40,000,000 Tenge The maximum loan amount is 65,000,000 Tenge in the cities - Nur-Sultan and Almaty
Down payment	From 30 % of the value of the apartment to be purchased, if the Borrower has confirmed all his/her income From 50% of the value of the apartment to be purchased, if the Borrower's income is confirmed partially*
Interest rate	if income is confirmed in full– 12% per annum (AERR from 12.7%) if income is confirmed partially - 14% per annum (AERR from 15%)
Fees	For consideration – 5,000 tenge; For the organization of the loan – 1% of the loan amount For changing the terms of the loan – in accordance with the approved rates of the bank
Collateral (subject of pledge)	Main deposit: * apartment to be purchased Additional collateral: * Residential and / or commercial property; The land plot, as well as objects of real estate for industrial and warehouse purposes, are not accepted as additional and main collateral; The term of operation of real estate should not exceed 50 years at the date of application for a loan, with the exception of real estate located in the city of Almaty, the term of operation of which should not exceed 60 years
Insurance	Compulsory insurance of the apartment to be purchased, as well as real estate provided as an additional collateral
Early repayment	Full or partial early repayment with payment of the actually accrued interest is allowed at any time. In case of full or partial early repayment: within 6 months from the date of receipt of the loan, the borrower pays a commission fee of 1% of the principal repayment amount after 6 months from the date of receipt of the loan, the commission fee for early repayment is not charged
Method of submitting the Application form	In the Bank branches

* The possibility of providing additional collateral as a down payment in the form of real estate that meets the requirements of the Rules for granting mortgage loans to individuals by Joint-Stock Company Mortgage Organization "Kazakhstan Mortgage Company" for the purchase of apartments through agent banks.
** Annual effective interest rate

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