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Crediting
  Based on the Credit committee decision (Protocol of the Credit committee #13, 11.05.2021 y.)
| 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 |
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| 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 |
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| 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, Nur-Sultan 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 |
| Collateral requirements: |
| 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
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| 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, Nur-Sultan 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).
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