CREDIT FOR CONSUMER PURPOSES:

Lending amount:

Up to 50% of the market value of the property

Lending period:

from 6 to 60 months

Interest rate:

min 25% (twenty-five percent) per annum*
max 25% (twenty-five percent) per annum

Repayment method:

the main debt in equal shares and annuity payments - at the client's choice

Repayment of principal:

monthly

Repayment of interest:

monthly

Commission for the organization and review of the loan:

0

Any other commissions:

0

Moratorium on early repayment:

within 12 (twelve) months from the date of issue of the loan, with payment of a fine in the amount of 3% of the amount repaid ahead of schedule

*AEIR – from 28,5% annual-31,1% 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

According to the minutes of the Asset and Liability Management Committee # 29 dated June 6, 2024