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Deposit-secured loan

Amount

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

Term​

No longer than deposit term minus 7 calendar days

Collateral​

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

Loan currency​

KZT, USD, RUR, EURO

Repayment of interest​

Monthly

Repayment of principal debt​

Monthly, in equal installments or by annuity payments.

Repayment of principal debt is possible at maturity of loan

Fees​

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 *

LE

IE

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 

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

  •  
  •  

Financial statements

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  •  

Tax return for the last reporting period

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  •  

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

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Documents on collateral

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*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.

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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.

Almaty
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