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Deposit-secured loan


Up to the deposit amount

Lending purpose​

1. Working capital financing;

2. Investment purposes;

3. Refunding of loans received in other Banks provided that there is no overdue debt; 

4. Refunding of expenditures incurred.

Financing type​

Loan/Revolving/Non-revolving credit facility


No longer than deposit term minus 7 calendar days


A deposit in SB Sberbank JSC, covering not less than 100% (Principal debt + interest for 1 month)

Loan currency​


Repayment of interest​


Repayment of principal debt​

Monthly, in equal installments or by annuity payments.

Repayment of principal debt is possible at maturity of loan


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 loan for each year of loan term.

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

Prepayment penalty​

Not applicable 

Loan benefits


  • minimum package of documents for the loan;
  • opportunity to draft personal repayment schedule considering specifics of the business;
  • no penalties for loan prepayment.
  • preservation of the deposit interest.

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 the 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.​

- You are an individual entrepreneur or legal entity;

- Availability of the deposit in our Bank.


Sberbank offers loans secured by a deposit – a simplified and advantageous way to get a loan.

If you have a deposit account with our Bank, you can promptly get loan for any business purpose on the most favorable terms, and maintain a fixed interest on the deposit.