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The lending program was approved by the Protocol of the Board of Directors of JSC "Kazinvestbank" ¹ 07-1a/2011 from 16.02.2011, with the latest changes and additions to the Protocol of the Board of Directors of JSC "Kazinvestbank" ¹ 30a/2011 from 25.07.2011.
Mortgage/ Refinancing
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| Lending conditions |
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Individuals |
Self employed individuals |
| Tenor |
From 37 to 180 month |
| Currency |
Tenge |
| Maximum amount of Loan |
min 1,500,000 -
max 45,000,000 tenge |
min 1,500,000 -
max 7 500 000 tenge |
| Downpayment |
from 40% |
from 40% |
| Floating Interest rate |
12,50% |
13,00% |
14,50% |
| Effective rate |
13.2%** |
13.7%** |
15.2%** |
| Loan origination fees |
0% |
| The fee for cashing |
0% |
| The fee for cashing |
0% |
| Prepayment Fee |
Penalty for premature redemption in the period of 6 month after loan disbursement is 1% on repayment amount |
| Insurance |
Property insurance - 0.3% |
| Repayment |
Annuity / Deferrential method |
| Participation of co-borrower |
Allowed |
| Requirement for property object |
Astana, Almaty, Almaty region |
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| * interest rate depends on Borrower`s income |
| ** effective rate is calculated for a maximum of 180 months |
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| Eligible Borrower |
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Individuals |
Self employed individuals |
| Age |
23 – 65 years old (at maturity) |
| Length of employment years in Business |
Average experience - 24 month |
Average experience - 24 month |
| Experience with current employer - min 6 month |
| Maximum brake in work experience - not more than 24 month |
| Minimum average net income of the borrower |
KZT 100,000 |
KZT 150,000 |
| Minimum average net income of the co-borrower |
KZT 100,000 |
KZT 100,000 |
| Citizenship |
Republic of Kazakhstan |
| Living address |
Astana, Almaty, Almaty region |
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| Documents required for consideration of the application: |
| • ID card (the borrower, if there is a co-borrower) |
| • TRN, SIC (the borrower, if there is a co-borrower) |
| • Marriage certificate (if married) |
| • ID card of spouse (the borrower, if there is a co-borrower) |
| • TRN of spouse (the borrower, if there is a co-borrower) |
| • Information about income for the past 12 months |
| • Certificate from the employer about the position and the period |
| • Statement of pension contributions over the past 12 months |
| • Birth certificate of children (if married) |
| • House register or address reference |
| • Legal documents on the purchasing real estate |
• Independent assessment of the property (LLP "Motor bureau"
phone. 2925751, 2925790.2925880) |
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| From Self employed individuals |
| • Registration certificate or patent, tax returns, other documents |
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| Refinancing |
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| • Crtificate from the Bank on Outstanding amount for existing loan |
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| From seller |
| • ID card and TRN |
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| For more information, please contact the consultants |
| PhoneBanking (banking services over the phone): |
| +7 (727) 330 00 77 |
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