Your own home can be a reliable investment. The loan is granted for the purchase of an apartment, a house or other residential premises in the real estate market.
- Loan amount: up to 70% of the price of the acquired property
- Loan currency: KZT, USD*
- Interest rate: KZT: from 14,6% (annual effective interest rate from 16,1%), USD: from 8,1% (annual effective interest rate from 8,7%)
- Loan term: up to 20 years
- Down payment: from 30%
*If there is proof of income in that currency
How to get loan
The following is required for consideration of the application:
- 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.
- Special terms for clients who receive salary on the accounts with Sberbank;
- No penalties for loan prepayment.
Interest rate (KZT)
Salary cards holders SB Sberbank JSC
**annual effective interest rate from 16,1%
Age at the moment of granting the loan
above 21 years
at a loan maturity – fifty eight (58) for women and sixty three (63) for men
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.
The loan is granted in Sberbank outlets:
- 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/SSB of the Bank is located;
- at the location of the organization-employer of the borrower where a branch/SSB 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 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