Product details
| Profile | Individuals who are residents of the Respublic of Kazakhstan and are at least 18 year old and not older than 70 years at the date of making a decision. The product is available to all clients who receive their salary on the Bank's card, except for the Bank's employees |
| Currency | Tenge |
| Amount of credit line/ loan | from 30,000 (thirty thousand) tenge to 100% of the salary credited to the Bank card, but not more than 150,000 (one hundred and fifty thousand) tenge. |
| Credit line term | 240 (two hundred and forty) months |
| Credit line availability period | 228 (two hundred twenty eight) months |
| Loan term under a credit line | 12 (twelve) months |
| Interest rate | In the first month, no interest is accrued. In subsequent months - from 0% per annum** (EAR - from 35.5% up to 36% per annum) |
| Organisation fee | None |
| Loan servicing fees | none |
| Amount of penalty for violation of obligations to repay loan amount and (or) pay loan interest rate | Within 90 (ninety) days late payment - 0.5% (zero point five percent) of the amount of the overdue payment for each day of delay, but not more than 10% (ten percent) of the amount of the loan issued for each year of the bank loan agreement. After 90 (ninety) days of delay, the penalty is not charged. |
| Moratorium on early repayment | None, no penalties. |
| ** - Rate was approved by ALTMC dated 19.09.2024 (Minutes № 11-24) | |