|Requirements for borrowers|
You must be 21 to 68 years old;
You must be a resident of the Republic of Kazakhstan.
|Financing product||- revolving credit facility; |
- non-revolving credit facility;
- independent bank loan;
|Credit facility/ loan amount|
- with income documents: up to 70% of the collateral value, subject to provisions of the Bank's internal regulations;
- with indirect income confirmation: up to 50% of the collateral value, subject to provisions of the Bank's internal regulations.
Furthermore, the maximum credit facility/ loan amount shall not exceed 30 million tenge secured on real property based in Nur-Sultan, Almaty, Atyrau, Aktau, Shymkent, whereas if it is secured on real property located in other regions, the amount shall not exceed 20 million tenge.
without income documents:
If the collateral provided by the client or third-party individual is as follows:
- residential real estate, which is not the only one, or nonresidential real estate – 35% of the collateral value, subject to provisions of the Bank's internal regulations;
- residential real estate being the only one – from 15% to 35% of the collateral value, subject to provisions of the Bank's internal regulations.
Furthermore, the maximum credit facility/ loan amount shall not exceed 10 million tenge.
|Credit line/ loan term||up to 10 years|
With all the income documents - from 19% p.a. (Annual Effective Rate of Return is from 20.9%)
With indirect income confirmation – from 20.5% p.a. (Annual Effective Rate of Return is from 22.7%)
Without income documents – from 23% p.a. (Annual Effective Rate of Return is from 25.7%)
|Fees for the issue and loan service||none|
|Insurance||The Borrower/ Insurant's annual insurance of single-family houses and nonresidential property as the pledged asset, subject to the compulsory prolongation until the Borrower fulfills all his/her liabilities under the Bank Loan Agreement in full. Apartments are not required to be insured.|
|Collateral security||Real property owned by the borrower and/or third-party individual.|
minimum loan amount
maximum loan term
annual efficient rate
Enter your data and learn your monthly installment amount
The monthly installment is an indicative estimate and may differ from one calculated as of the date of a consultation /actual loan disbursement.
Details of the product
* Approved by Resolution #42-20 of the Bank Management Board dated 02.04.2020
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