Frequently Asked Questions
Commodity Loan through the Mobile Application
Which documents are required to file an application for a Commodity Loan using the Jýsan mobile app?

An application for a Commodity Loan may be submitted through the Jýsan mobile app at a time of your convenience. 

To receive a Commodity Loan using the Jýsan mobile app, the following conditions are to be met:

  • availability of a personal identification document; 
  • availability of a debit card; 
  • availability of the Statement of Accession*
     

* The Statement of Accession to the Integrated Individuals Service Agreement and Public Individuals Service Agreement

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What minimum income should I have for a Commodity Loan to be approved through the Jýsan mobile application?

To receive a Commodity Loan through the Jýsan mobile application, your average monthly income must be at least equal to the minimum salary specified by the laws of the Republic of Kazakhstan.

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What criteria are taken into account when considering an application for a Commodity Loan through the Jýsan mobile app?

The applications for Commodity Loans are to be considered, if the clients are individuals and residents of the RoK, aged 21 to 63 as of the loan maturity date.  

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What is the size of the Commodity Loan origination fee, if the Jýsan mobile app is used?

There are no loan origination fees.

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Who makes a decision to approve the loan?

The decision on a Commodity Loan shall be made by the Bank's automated system. The Bank employees are not involved in the process. Nor can they influence the decision. The decision shall be made on a case-by-case basis and depends on your credit history and solvency.

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Is it possible to change the Commodity Loan due date using the Jýsan mobile application?

To change the Commodity Loan due date, you should visit a Bank branch. The fee for a change in the due date is 1% of the principal balance (minimum 10,000 Tenge).

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What should I do, if a Commodity Loan installment due date falls on a holiday/weekend?

If a Commodity Loan monthly installment due date falls on a holiday/weekend, such installment shall be made on the first day following the holiday/weekend.

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What are the ways to make a Commodity Loan monthly installment?

The Commodity Loan monthly installments are debited from a payment card. The payment card is to be topped up in any way convenient for you, prior to the monthly installment due date.

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Are there any prepayment/ partial repayment fees applicable to the Commodity Loan?

No fees or penalties for early or partial repayment are applicable to the Commodity Loan.

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Is it allowed to make an early/ partial repayment of a Commodity Loan in any other city?

A Commodity Loan may be repaid early/ partially using the Jýsan mobile application or at any branch of the Bank based in another city upon submission of a relevant request.

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May the Commodity Loan be repaid by the third party?

The monthly installments on a Commodity Loan may be made by the third party. The Commodity Loan may be repaid early/ partially by the third party upon production of a notarized power of attorney.

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How to submit an application for a Commodity Loan through the Jýsan mobile app?

If you have a debit card and signed the accession agreement, you may submit your application for a loan through the Jýsan mobile app. 

You are required to:

  • Choose the desired item in the "Jmart" Section of the Jýsan mobile app; 
  • Proceed to check out and enter your personal data;
  • Wait for the notification of the Bank's decision.
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What maximum Commodity Loan amount maybe received through the Jýsan mobile application?

The maximum Commodity Loan amount that may be received through the Jýsan mobile application is up to 1,500,000 Tenge.

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When can a client submit another application for a Commodity Loan using the Jýsan mobile app?

The number of applications for a Commodity Loan that can be submitted through the Jýsan mobile app is not limited.
* The decision on the loan is to be made on a case-by-case basis and depends on the quality of the client's credit history and his/her solvency. The client may file another application for a Commodity Loan through the Jýsan mobile app immediately after the previous one is processed.

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