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State Program for Refinancing of Mortgage Residential loans / Mortgage loans

State Program for Refinancing of Mortgage Residential loans / Mortgage loans

SB Sberbank JSC was included in the list of second tier banks (hereinafter STB) carrying out refinancing of mortgage residential loans / mortgage loans under the terms of the Program approved in accordance with the Decree of the Management Board of the National Bank of the Republic of Kazakhstan dated 24 April 2015 №69 «On approval of Program for refinancing of mortgage residential loans / mortgage loans" (hereinafter the Program).

Program purpose:

Refinancing of mortgage residential loans / mortgage loans received by the Bank’s borrowers in the period from January 01, 2004 to December 31, 2009 under the terms set by the Program.

Main terms of the Program:

Requirements to loans subject to refinancing under the Program

Mortgage residential loans / mortgage loans (hereinafter the loan) obtained by the Bank’s borrowers in the period from January 01, 2004 to December 31, 2009, and the outstanding balance of principal debt of which as of January 1, 2015 is as follows:

In KZT with overdue debt (over 90 days) - not more than KZT 36.47 million, including borrowers related to vulnerable social group * (hereinafter the  VSG)  according to the RK legislation;

In foreign currency - KZT equivalent of not more than KZT 36,470,000 at official exchange rate of the National Bank of the Republic of Kazakhstan on January 1, 2015, including the borrowers related to VSG *;

In KZT- not more than KZT 36,470,000 , including the borrowers  related to VSG *.

Loan currency

KZT

Interest rate of refinanced loan

3% per annum

Loan security subject to refinancing under the Program

Loans secured by pledge of real estate (housing, non-residential premise, land plot) corresponding to the requirements of the Program are subject to refinancing.

Requirements to loan security  subject to refinancing under the Program

Housing is the only one for borrower and its wife (husband) in the territory of the Republic of Kazakhstan as of January 1, 2015.

Residential housing area does not exceed 120 (one hundred twenty) sq.m. according to the technical certificate or 120 (one hundred twenty) sq.m. of the total area under the contract of share participation in construction, executed after January 1, 2015. The living area is determined on the basis of technical certificate.

Non-residential premise is the only one for borrower and its wife (husband) in the territory of the Republic of Kazakhstan as of January 01, 2015.

The total area of non-residential premise does not exceed one hundred (100) square meters according to the technical certificate of real estate unit

Land plot is the only one for borrower and its wife (husband) in the territory of the Republic of Kazakhstan as of January 01, 2015.

The land plot area is not more than 0.1 (zero point one) of hectare

Addresses of the Bank’s outlets to apply for a loan refinancing

How to get loan

Consideration of loans according to the terms of the Program is carried out in the following priority:

  1.  Mortgage residential loans / mortgage loans of borrowers related to VSG *
  2.  Mortgage residential loans
  3.  Mortgage loans

1) disabled persons and participants of the Great Patriotic War;

1-1) persons equal to disabled persons and participants of the Great Patriotic War;

2) disabled persons of groups 1 and 2;   

3) families having or bringing up disabled children;

4) persons suffering from severe forms of chronic diseases listed in the disease list approved by the Government of the Republic of Kazakhstan;

5) old age pensioners;

6) orphans and abandoned children who are under twenty nine years, lost their parents before adulthood. When calling such persons in military service age is extended for a period of compulsory military service;

7) repatriates;

8) persons who have lost their homes as a result of environmental disasters, emergency situations of natural and technogenic character;

9) large families;

10) families of the persons  dead at performance of state or public duties, military service, preparation or implementation of space travel, salvage of life, law enforcement;

11) single-parent families.

Almaty