|Requirements for borrowers|
|Purpose||Apartment acquisition in: Astana, Almaty, Shymkent, Aktobe, Aktau, Atyrau, Karaganda, Kokshetau, Kostanay, Kyzylorda, Pavlodar, Petropavlovsk, Semey, Taraz, Uralsk, Ust-Kamenogorsk.|
Ownership registration to the apartment being purchased, is allowed both to the borrower and to a third party
|Loan amount||from 1 mil tenge to 65 mil tenge|
|Maturity date||15th of each month|
|Interest rate||13% per annum (annual effective rate of return from 14% per annum).|
|Collateral (pledged item)|
|Insurance||Compulsory insurance of an apartment to be purchased, as well as real estate provided as additional collateral.|
Full repayment is allowed at any time. Full advanced repayment during the first year of the mortgage loan is subject to payment of a fine in the amount of the accrued interest for 12 months.
Partial advanced repayment is allowed at any time.
The amount of partial advanced repayment shall be not less than the amount equivalent to 3 (three) monthly payments under a bank loan agreement.
* the cost of the apartment to be purchased is determined after the audit of an independent appraiser’s report of by the Company's mortgage service.