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Tariffs was approved by the Protocol of the Tariff Committee of JSC "Kazinvestbank" ¹ 08 from 08.02.2011.
Loan Refinance
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| Lending conditions |
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Loan refinance from other bank* |
| Tenor |
From 6 to 36 month |
| Currency |
Tenge |
| Maximum amount of Loan |
min 150 000 -
max 1 500 000 KZT |
| Interest rate |
20,00% |
| Effective rate |
23,04% |
| Collateral |
no needed |
| Loan origination fees |
2% from loan amount |
| Commission for money transfer to account |
0 KZT |
| Commission for payment schedule revision ** |
850 KZT |
| Early payment/partial early payment commission *** |
N/A |
| Penalty for improper money use **** |
7 000 KZT |
| Repayment |
Annuity payment
Differentiated payment |
| Late payment penalty (daily rate)***** |
0,5% per each day of past due |
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| * Loan purpose should be confirmed by the borrower in accordance with Bank's internal documents requirements. |
| ** This commission is taken in case of partial early repayment of loan in case if amount for partially early repayment of loan is less than 10% of loan principal amount as of date of partial early repayment of loan. |
| *** The early repayment / partial early repayment of loan is allowed on basis of written application from the borrower, which is provided by him to the Bank no later, than 1 working day before the assumed early repayment/partial early repayment date. |
| **** The penalty is paid in case if borrower did not confirm purpose of money use during 5 working days, beginning from date of loan disbursement until the moment of confirmation. |
| ***** If monthly installment payment is not covered, the Bank charges penalty on overdue payment amount since the date of overdue occurrence till the total cover of overdue payment. |
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| Eligible Borrower |
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Requirements to the borrower |
| Age |
Male: 20-62 years old |
| Female: 20-57 years old |
| Length of employment years in Business |
Total experience - 1 year |
| Experience with current employer - min 3 month |
| Minimum average net income of the borrower* |
Income, enough for loan service, minimum net salary amount is KZT 150 000. |
| Citizenship |
Registeretion address, residence and address of the employer in the village belonging to the list of settlements approved by the Bank |
| Living address |
Astana, Almaty, Almaty region |
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| Documents required for consideration of the application*: |
| • ID card |
| • TRN, SIC |
| • Statement of pension contributions over the past 12 months |
| • House register or address reference |
| • Loan agreement from the other bank and appendixes to it |
• Confirmation from the bank about loan debts presence with
indication of debt outstanding and interest accrued |
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| *In case of necessity Bank can request to perform additional documents. |
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| For more information, please contact the consultants |
| PhoneBanking (banking services over the phone): |
| +7 (727) 330 00 77 |
