Loan on the pledge of property
  • Up to 30,000,000 ₸
  • From 6 months to 10 years
  • Starting at 18% per annum
Loan on the pledge of property
500,000 ₸
Minimum amount of the loan
10 years
Maximum period of the loan
from 19%
Annual effective interest rate
Loan conditions
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Loan amount
Loan term
mos.
0
monthly payment
The monthly installment is an indicative estimate and may differ from one calculated as of the date of a consultation /actual loan disbursement.
Details of the product
Requirements for borrowers 
  • Your age from 21 to 68 years;
  • You are the resident of the Republic of Kazakhstan;
Currencytenge
Financing type

- revolving credit line;

- non-revolving credit line
- independent bank loan.

Amount of credit line/loan

- with the confirmation of income: up to 70% from the collateral cost taking into account the requirement of the Bank’s internal documents;

- with indirect confirmation of income: up to 50% of collateral value, taking into account the requirements of the Bank's internal documents. But the maximum amount of a credit line/loan should not exceed 30 million tenge against property located in Nur-Sultan, Almaty, Atyrau, Aktau, Shymkent against property located in other regions should not exceed 20 million tenge.

Without the confirmation of income:

If customer or third party has granted as a collateral:

- residential real estate, which is not the only, or non-residential real estate - 35% of the value of the security, taking into account the requirements of the Bank's internal documents;

- residential real estate, which is the only one – from 15% to 35% of the value of the security, taking into account the requirements of the Bank's internal documents.

And maximum amount of credit line/loan should not exceed 10 million tenge. 
 

Period of credit line/loanUp to 10 years
Rate of return

- with the full proof of income from 18% per annum (AERR from 19,9%);

- with indirect confirmation of income - from 20% per annum (AERR from 22,3%);

- Without the confirmation of income – from 21% per annum (AERR from 23,3%).
 

Fees related to the issuance and service of the loanN/A 
Collateral securityImmovable property owned by the borrower and/or individual third party.
InsuranceAnnual insurance by the Borrower (Insurer) of individual residential houses and non-residential real estate as a collateral subject, with the condition of obligatory prolongation until the Borrower fully fulfilled the obligations under the bank loan agreement.
* Approved by: Decision of the Management Board of the Bank dated 11.12.2019, No.157-19.
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