Loan Refinancing
  • Refinancing amount is up to ₸ 166,165,000
  • Up to 20 years
  • From 3% p.a.
Loan Refinancing
Details of the product
Requirements for borrowers 

Individuals aged at least 18 years old who are citizens of the Republic of Kazakhstan and have debts to Jýsan Bank JSC with respect to residential mortgage loans/ mortgage loans (the "RML/ML):

  1. issued during the period from 01.01.2004 to 31.12.2009 (the "RML/ML1");
  2. issued in a foreign currency before 01.01.2016  (the "RML/ML2");
  3. refinanced earlier under RML/ML1 and/or RML/ML2 as applicable to the VSG (Vulnerable Social Group) category, including those with regards to which judicial acts were issued before 01.07.2021 (the "RML/ML2-1");
  4. with regards to which the property was taken onto the Bank's books before 01.01.2020 due to the borrower's improper fulfillment of his/her obligations under the (Residential) Mortgage Loan Agreement signed before 01.01.2016 (the "RML/ML2-1"),

and meeting refinancing conditions stipulated by the (Residential) Mortgage Loan Refinancing Program, which was approved by Decree #69 of the Management Board of the National Bank of the RoK dated 24.04.2015, as changed and amended by Decrees #59 of the Management Board of the RoK dated 27.03.2018 and #250 dated 23.12.2019 (the "Program").

Loan currency Tenge 
Interest rate from 3% p.a.*
*annual effective interest rate is from 3.3% p.a.
Fees none 
Collateral security Property, subject to criteria set forth by the Program
** Annual effective interest rate is from 3.3% per annum.
More detailed terms of refinancing are regulated by the Program..
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