Client type
| segment | profile | criterion |
| CBs and SMEs | Legal entities and private entrepreneurs | Condominium management bodies |
General terms and conditions
| Product type | conditional deposit to be used to accumulate funds required for major repairs of communal property of a condominium |
| Term | until conditions set forth by the deposit agreement are met |
| Currency | KZT |
| Interest rate*,% p.a. | 7% p.a. (effective – 7%), if interests are payable annually 5.5% p.a. (effective – 5.6%), if interests are payable monthly |
Special conditions
| Additional contributions | allowed |
| Partial withdrawal | allowed according to the minutes of a general meeting of owners of premises/apartments |
| Interests are payable | annually /monthly to a current account with First Heartland Jýsan Bank JSC |
| Deposit repayment | allowed according to the minutes of a general meeting of owners of premises/apartments |
| Additional conditions | upon expiration of every 12-month period, the Bank will revise and establish the interest rate set forth by its tariffs, which rate shall be in effect as of the date of expiration of the said period, but not higher than rate in effect under the agreement as of the date of expiration of the said period |
* the Annual Effective Rate of Return may vary depending on actual provisions of an Agreement signed.
For individuals conducting their business with no corporate status, the Annual Effective Rate of Return shall not exceed 9.8% in tenge and 1% in a foreign currency.
For individuals conducting their business with no corporate status, the Annual Effective Rate of Return shall not exceed 9.8% in tenge and 1% in a foreign currency.