Bank of China Kazakhstan - Crediting

Crediting




Based on the Credit committee decision (Protocol of the Credit committee #13, 11.05.2021 y.)

Mortgage loans:  
Lending amount: Up to 50% of the market value of the acquired property
Down payment: 50%
Lending period: From 6 to 84 months
Interest rate: 23% (twenty-three per cent) per annum*
Repayment method: The main debt in equal installments and annuity payments - according to the customer's choice
Repayment of principal: Monthly
Repayment of interest: Monthly
Commission for the organization and review of the loan: Without fees
Any other commissions: Without fees
Moratorium on early repayment: Within 12 (twelve) months from the date of issuance of the loan, with a fine in the amount of 3% of early repaid sum.
*AEIR – from 26,5% annual
   
Client requirements:
Age: Women - from 21 to 55 years old, provided that the loan will be repaid in full prior to the age of 55 years old under the Agreement;
Men - from 21 to 60 years old, provided that the loan will be repaid in full prior to the age of 60 years old under the Agreement
Work experience: Min 12 (twelve) months
Co-borrower’s participation: Relatives in direct descent - mother, father, brother, sister, son, daughter, husband, wife
Co-borrower’s age: Women - from 21 to 55 years old, provided that the loan will be repaid in full prior to the age of 55 years old under the Agreement;
Men - from 21 to 60 years old, provided that the loan will be repaid in full prior to the age of 60 years old under the Agreement
Borrower’s / co-borrower’s income: Documented for the last 6 (six) months
   
Collateral requirements:
Property type: Flats in multi-apartment buildings, houses with land,
flats in apartment houses located not more than twenty (20) kilometers from Almaty city, and ten (10) kilometers from Aktobe, Nur-Sultan city
Year of the property construction: Flats in apartment buildings - not earlier than 1970, houses with land and flats in residential buildings - not earlier than 1985.
Material of the property wall: Brick, block, board, concrete, monolith
Additional credit conditions: Property insurance: Every year according to the rates of the insurance company



Collateral requirements: 
Lending amount: Up to 50% of the market value of the acquired property
Down payment: 50%
Lending period: From 6 to 60 months
Interest rate: 25% (twenty-five per cent) per annum*
repayment method: The main debt in equal installments and annuity payments - according to the customer's choice
Repayment of principal: Monthly
Repayment of interest: Monthly
Commission for the organization and review of the loan: Without fees
Any other commissions: Without fees
The moratorium on early repayment: Within 12 (twelve) months from the date of issuance of the loan, with a fine in the amount of 3% of early repaid sum.
* AEIR – from 29% annual

Client requirements:  
Age: Women - from 21 to 55 years old, provided that the loan will be repaid in full prior to the age of 55 years old under the Agreement;
Men - from 21 to 60 years old, provided that the loan will be repaid in full prior to the age of 60 years old under the Agreement
Work experience: Min 12 (twelve) months
Co-borrower’s participation: Relatives in direct descent - mother, father, brother, sister, son, daughter, husband, wife
Co-borrower’s age: Women - from 21 to 55 years old, provided that the loan will be repaid in full prior to the age of 55 years old under the Agreement;
Men - from 21 to 60 years old, provided that the loan will be repaid in full prior to the age of 60 years old under the Agreement
Borrower’s / co-borrower’s income: Documented for the last 6 (six) months

Collateral requirements: 
Property type: Flats in multi-apartment buildings, houses with land,
flats in apartment houses located not more than twenty (20) kilometers from Almaty city, and ten (10) kilometers from Aktobe, Nur-Sultan city
Year of the property construction: Flats in apartment buildings - not earlier than 1970, houses with land and flats in residential buildings - not earlier than 1985.
Material of the property wall: Brick, block, board, concrete, monolith
Additional credit conditions: Property insurance: Every year according to the rates of the insurance company

 

Additional information by telephone: (727) 376-84-52, 258-55-10 (ext. 1202, 1155, 1152, 1169).

Bank of China Kazakhstan
© 2022 Bank of China Kazakhstan. All rights reserved.



Лицензия Банка на проведение банковских и иных операций от 03.02.2020 г. № 1.1.181