Emergency loan

How to get loan

Main documents:

Application form;
Copy of the identity document of the borrower/co-borrower/spouse of the borrower/co-borrower/mortgagor (ID card/passport of the Republic of Kazakhstan/residence permit in the Republic of Kazakhstan);
Original consent of the subject of a loan history to issue a loan report from loan bureaus;
Original consent of the subject of a loan history to provide their details to loan bureaus;
Original consent for the provision of information from SCPP to the Bank;
A copy of the marriage certificate of the borrower/co-borrower (if the borrower/co-borrower is married).
The documents confirming the receipt of income in the currency of the requested loan for 6 months prior to the date of application to the Bank.

Loan benefits

Opportunity to get a loan with simplified income financial analysis;
Special terms for clients who receive salary on the accounts with Sberbank;
No penalties for loan prepayment.

Lending terms:

Loan currency	KZT, USD*
Minimum loan amount	KZT 150,000 (inclusively)
Maximum loan amount	up to 70% of residential property price
Loan term	up to 10 years
Loan documentation execution fee	0,2% of the loan amount, one-time payment
Fee for crediting funds to the account	4,1% of the loan amount, one-time payment
Fee for cash withdrawal	0% of the loan amount, one-time payment
Loan security	The primary collateral shall be the following: 1)Real estate (apartment, residential house with land plot, commercial property); The additional collateral shall be the following: a bank's deposit of the borrower.
Insurance	at the Bank's expense
*If there is proof of income in that currency

Interest rates

Interest rates in KZT

Term,

months

Individuals

Salary cards holders of the SB Sberbank JSC

12~120

16,5% - 17,4%*

16% - 16,6%**

**Annual effective interest rate from 19,3%

Requirements for borrowers

Age at the moment of granting the loan

above 21 years

Maximum age

at a loan maturity – fifty eight (58) for women and sixty three (63) for men

Employment history

not less than four (4) months at the last workplace prior to the date of a loan application. the general uninterrupted employment history of an individual shall be not less than six (6) months.

Attracting co-borrowers

The maximum number of borrowers whose income is taken into account when determining the maximum loan amount may not exceed three (3) individuals.

The maximum number of guarantors to be drawn up for one loan may not exceed three (3) individuals.

A loan is given to citizens of Kazakhstan in outlets of SB Sberbank JSC:

A loan is granted:

at the place of registration of borrowers, including settlements located not more than fifteen (15) kilometres away from the border of the city, where the branch of the Bank is located;
at the location of the organization-employer of the borrower where a branch of the Bank is located;
at the location of existing/purchased/under construction/reconstructed estate property serving as collateral for the loan which is located in the settlements of Kazakhstan where a branch/SSB of the Bank operates or in settlements located not more than thirty (30) kilometres away from Almaty or not more than twenty (20) kilometres away from other towns/settlements where a branch/SSB of the Bank is located.

Loan grating procedure

In a lump sum.

Loan repayment procedure

By annuity or differentiated payments.

Partial or full loan prepaymnet

Upon request that contains the date of prepayment, the amount and the account from which the funds are to be transferred. The date of prepayment stated in the request shall be a business day.
Minimum amount of prepaid loan is not limited.
No prepayment fee.

Penalty for delayed loan repayment

0.25% (zero point two five percent) per each calendar day of delay of the outstanding principal debt and interest, but no more than 10% (ten percent) of the originated loan amount for each year of the loan agreement.

Should you need more information, please contact the Bank's outlets in your city or the Call Centre 8 (727) 250-30-20 in other regions of Kazakhstan: 8-8000-808-808

Ваш регион: Almaty

Free call over Kazakhstan +7 (727) 250-30-20

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