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:
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Up to 50% of the market value of the acquired property
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Down payment:
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50%
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Lending period:
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From 6 to 84 months
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Interest rate:
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23% (twenty-three per cent) per annum*
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Repayment method:
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The main debt in equal installments and annuity payments - according to the customer's choice
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Repayment of principal:
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Monthly
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Repayment of interest:
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Monthly
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Commission for the organization and review of the loan:
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Without fees
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Any other commissions:
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Without fees
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Moratorium on early repayment:
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Within 12 (twelve) months from the date of issuance of the loan, with a fine in the amount of 3% of early repaid sum.
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*AEIR – from 26,5% annual
Client requirements:
Age:
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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
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Work experience:
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Min 12 (twelve) months
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Co-borrower’s participation:
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Relatives in direct descent - mother, father, brother, sister, son, daughter, husband, wife
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Co-borrower’s age:
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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
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Borrower’s / co-borrower’s income:
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Documented for the last 6 (six) months
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Collateral requirements:
Property type:
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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
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Year of the property construction:
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Flats in apartment buildings - not earlier than 1970, houses with land and flats in residential buildings - not earlier than 1985.
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Material of the property wall:
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Brick, block, board, concrete, monolith
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Additional credit conditions:
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Property insurance:
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Every year according to the rates of the insurance company
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Secured consumer loans:
Lending amount:
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Up to 50% of the market value of the acquired property
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Down payment:
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50%
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Lending period:
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From 6 to 60 months
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Interest rate:
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25% (twenty-five per cent) per annum*
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repayment method:
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The main debt in equal installments and annuity payments - according to the customer's choice
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Repayment of principal:
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Monthly
|
Repayment of interest:
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Monthly
|
Commission for the organization and review of the loan:
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Without fees
|
Any other commissions:
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Without fees
|
The moratorium on early repayment:
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Within 12 (twelve) months from the date of issuance of the loan, with a fine in the amount of 3% of early repaid sum.
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* 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
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Work experience:
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Min 12 (twelve) months
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Co-borrower’s participation:
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Relatives in direct descent - mother, father, brother, sister, son, daughter, husband, wife
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Co-borrower’s age:
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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
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Borrower’s / co-borrower’s income:
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Documented for the last 6 (six) months
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Collateral requirements:
Property type:
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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
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Year of the property construction:
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Flats in apartment buildings - not earlier than 1970, houses with land and flats in residential buildings - not earlier than 1985.
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Material of the property wall:
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Brick, block, board, concrete, monolith
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Additional credit conditions:
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Property insurance:
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Every year according to the rates of the insurance company
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Additional information by telephone: (727) 376-84-52, 258-55-10 (ext. 1202, 1155, 1152, 1169).
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