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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.
(Renovation and Consumer needs)
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| Lending conditions |
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Individuals |
Self employed individuals |
| Tenor |
From 37 to 96 month |
| Currency |
Tenge |
| Maximum amount of Loan |
min 1,000,000 -
max 7,500,000 tenge |
min 1,000,000 -
max 4,000,000 tenge |
| Floating Interest rate |
14-14.5%* |
15,5% |
| Effective rate |
14.7%-15.2** |
16.2%** |
| Basic condition |
The presence of the property of the borrower (or close relatives) of real estate |
| 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** |
Almaty, Almaty region |
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| * interest rate depends on Borrower`s income |
| ** effective rate is calculated for a maximum of 96 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 (borrower, pledger, if there is a co-borrower) |
| • TRN, SIC (borrower, pledger, if there is a co-borrower) |
• Marriage certificate of borrower, pledger, if there is a co-borrower
(if married) |
| • ID card of spouse (borrower, pledger, if there is a co-borrower) |
| • TRN of spouse (borrower, pledger, if there is a co-borrower) |
• Information about income for the past 12 months (borrower, if
there is a co-borrower) |
| • Certificate from the employer about the position and the period |
• Statement of pension contributions over the past 12 months
(borrower, if there is a co-borrower) |
| • Birth certificate of children (if married) |
• House register or address reference (borrower, pledger, if there is
a co-borrower) |
| • Legal documents on the purchasing real estate |
| • Independent assessment of the property |
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| From Self employed individuals |
| • Registration certificate or patent, tax returns, other documents |
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| The issuance of the loan after the registration of pledge in the Judiciary. |
| Registration of mortgage in the Judiciary through the company registrar. |
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| For more information, please contact the consultants |
| PhoneBanking (banking services over the phone): |
| +7 (727) 330 00 77 |
