Unsecured loan

How to get loan

The following is required for consideration of the application:

Identity card/passport/residence permit;

Loan benefits

- Non-collateral, for any purposes;

- Only 1 document – identity document;

- No penalties for loan prepayment..

For clients with a salary card (deposit) or those who receive pension on card/deposit accounts with Sberbank:

quick processing of a loan application;
reduced rates;
loan is granted in any loan subdivision, regardless of the place of registration in the territory of the Republic of Kazakhstan.

Lending terms

Loan purpose	for refinancing and consumption
Loan currency	KZT
Minimum loan amount	from KZT 150,000
Loan amount	up to KZT 3 mln
Loan term	up to 60 months
Loan documentation execution fee	0%
Fee for crediting funds to the account	0% of the loan amount, one-time payment
Prepayment fee	0%, no penalties
Fee for cash withdrawal	0% of the loan amount
Loan security	is not required

* Комиссии утверждены решением Комитета по управлению активами и пассивами Банка от 10.01.2019 года №01 §6а

Interest rates

Процентные ставки в Тенге *

Категория

Срок, мес.

Ставка

Физические лица

7-60

От 10%

Держатели зарплатных карточек ДБ АО «Сбербанк», Категория 1, VIP клиенты

1-60

От 5%

ГЭСВ - от 20,71%

* Ставки утверждены решением Комитета по управлению активами и пассивами Банка от 9.10.2020 года №71 §1

Borrower requirements

Age at the moment of granting the loan	above 21 years
Maximum age	at a loan maturity – 59,5 for women and 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.

Loan receiving and servicing

Loan is granted in all Sberbank outlets.

Loan granting procedure	In a lump sum;
Loan granting procedure	One-time transfer of the loan amount to a current account at the request of the borrower on the date of a loan agreement.
Loan repayment procedure	By annuity or differentiated payments.
Partial or full loan prepayment	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

+7 (727) 250-30-20

Сотовый 5030