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Business mortgage loan

Loan purpose

Acquisition of real estate for commercial purposes (incl. the loan for the repair / reconstruction of the purchased commercial real estate and construction of new facilities). Refinancing of costs incurred for the acquisition of real estate for commercial purposes

Financing type

Loan/Non-revolving credit facility


no longer than 84 months


Real estate property to be acquired, possibly other property and/or deposit of the Client

Down payment

Not less than 30% of the estimated value of the real estate to be acquired in the form of the Borrower's own monetary funds.

Loan currency


Repayment of interest


Repayment of principal debt 

Monthly, in equal installments or by annuity payments.

Flexible repayment schedule is possible, depending on the structure and seasonality of the borrower's business.


According to the Tariffs Catalogue by SB Sberbank JSC

Penalty for late repayment of principal debt and interest​

For individual entrepreneurs – 0.5% of the amount of outstanding payments for each overdue day, but no more than 10% of the amount of the issued loan for each year of loan term.

For legal entities – 0.5% of the amount of outstanding payments for each overdue day.

Loan benefits

- opportunity of long-term financing;

- loan against pledge of the property to be acquired;

- loan is provided in 4 currencies;

- individual repayment schedule considering specifics of the business;

- no penalties for loan prepayment.

1. Work experience in the Borrower's main business domain – not less than 6 months. 12 months – for farms engaged in business (also if the business is seasonal).

2. Presence of a permanent place of business.


List of documents *



Constituent documents


IE certificate, licenses, certificates, patent, permission for business, etc.


Certificate from the tax authority or e-gov of absence/presence of arrears to the state budget and off-budget funds. 


Certificate on bank accounts opened with other banks with indication of account turnover for the last 12 months (with monthly breakdown)


Financial statements


Tax return for the last reporting period


Copies of documents of founders, directors and chief accountant(identity card, certificate from the place of residence)


Copies of documents(identity card, marriage certificate, certificate from the registration place)


Specimen signature form and seal impression card. 


Documents on collateral


*The Bank may request additional documents required for a thorough examination of the project

For more information you can contact the bank branch in your city or please call the Contact center 8 (727) 250-30-20, in other regions of Kazakhstan 8-8000-808-808.



Business mortgage Loan is the provision of long- term resources for your company to expand and capitalize the business!


With Business mortgage, you can:

  • purchase industrial, commercial, office premises;

  • purchase storage and exhibition space;

  • purchase landplots for business purposes;

  • construct new commercial real estate;

  • repair, reconstruct and expand existing and acquired real estate, etc.