Bank of China Kazakhstan - Crediting

Crediting




Lending to individuals has resumed on the basis of the minutes of the Credit Committee of the Bank №62 dated January 13, 2017.
This decision shall be entered into force on January 16, 2017.

 

Mortgage loans:

Lending amount:

Up to 50% of the market value of the acquired property

Down payment:

50%

Lending period:

From 6 to 84 months

Interest rate:

23% (twenty-three per cent) per annum*

Repayment method:

The main debt in equal installments and annuity payments - according to the customer's choice

Repayment of principal:

Monthly

Repayment of interest:

Monthly

Commission for the organization and review of the loan:

Without fees

Any other commissions:

Without fees

Moratorium on early repayment:

Within 12 (twelve) months from the date of issuance of the loan, with a fine in the amount of 3% of early repaid sum.

*AEIR – from 26,5% annual

Client requirements:

Age:

Women - from 21 to 55 years old, provided that the loan will be repaid in full prior to the age of 55 years old under the Agreement;
Men - from 21 to 60 years old, provided that the loan will be repaid in full prior to the age of 60 years old under the Agreement

Work experience:

Min 12 (twelve) months

Co-borrower’s participation:

Relatives in direct descent - mother, father, brother, sister, son, daughter, husband, wife

Co-borrower’s age:

Women - from 21 to 55 years old, provided that the loan will be repaid in full prior to the age of 55 years old under the Agreement;
Men - from 21 to 60 years old, provided that the loan will be repaid in full prior to the age of 60 years old under the Agreement

Borrower’s / co-borrower’s income:

Documented for the last 6 (six) months


Collateral requirements:

Property type:

Flats in multi-apartment buildings, houses with land,
flats in apartment houses located not more than twenty (20) kilometers from Almaty city, and ten (10) kilometers from Aktobe city

Year of the property construction:

Flats in apartment buildings - not earlier than 1970, houses with land and flats in residential buildings - not earlier than 1985.

Material of the property wall:

Brick, block, board, concrete, monolith

Additional credit conditions:

Property insurance:

Every year according to the rates of the insurance company


Secured consumer loans:

Lending amount:

Up to 50% of the market value of the acquired property

Down payment:

50%

Lending period:

From 6 to 60 months

Interest rate:

25% (twenty-five per cent) per annum*

repayment method:

The main debt in equal installments and annuity payments - according to the customer's choice

Repayment of principal:

Monthly

Repayment of interest:

Monthly

Commission for the organization and review of the loan:

Without fees

Any other commissions:

Without fees

The moratorium on early repayment:

Within 12 (twelve) months from the date of issuance of the loan, with a fine in the amount of 3% of early repaid sum.


* AEIR – from 29% annual

 

Client requirements:

Age:

Women - from 21 to 55 years old, provided that the loan will be repaid in full prior to the age of 55 years old under the Agreement;
Men - from 21 to 60 years old, provided that the loan will be repaid in full prior to the age of 60 years old under the Agreement

Work experience:

Min 12 (twelve) months

Co-borrower’s participation:

Relatives in direct descent - mother, father, brother, sister, son, daughter, husband, wife

Co-borrower’s age:

Women - from 21 to 55 years old, provided that the loan will be repaid in full prior to the age of 55 years old under the Agreement;
Men - from 21 to 60 years old, provided that the loan will be repaid in full prior to the age of 60 years old under the Agreement

Borrower’s / co-borrower’s income:

Documented for the last 6 (six) months


Collateral requirements:

Property type:

Flats in multi-apartment buildings, houses with land,
flats in apartment houses located not more than twenty (20) kilometers from Almaty city, and ten (10) kilometers from Aktobe city

Year of the property construction:

Flats in apartment buildings - not earlier than 1970, houses with land and flats in residential buildings - not earlier than 1985.

Material of the property wall:

Brick, block, board, concrete, monolith

Additional credit conditions:

Property insurance:

Every year according to the rates of the insurance company



Additional information by telephone: (727) 376-84-52, 258-55-10 (ext. 1202, 1155, 1152, 1169).

Bank of China Kazakhstan
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