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Credit program for consumer purposes

JSC "Shinhan Bank Kazakhstan" offers loans for consumer purposes under the following conditions:


Conditions of crediting*
Term of crediting:

from 1 year to 20 years;

Amount of crediting:

from 3 000 000 tenge to 100 000 000 tenge

Currency of crediting:

tenge (KZT);

Rateof return:

13% per annum;

Annual effective rate of return:

from 13,9%;

Targeted use:

Consumer purposes / (urgent needs), as well as the refinancing of the debt issued for similar purposes;

The periodicity of repayment:

principal and interest payments on a monthly basis;

Accrual method:

annuity payments (repayment in equal payments) differentiated payments (principal amount in equal payments)

Consideration fee:
Origination fee:
Fee for conversion into cash:

0 KZT;

Fee for early repayment (charged, only the first 12 months.)


Penalty in case of violation of obligations to pay monthly payments:

0.5% of the amount of the past due debt for each day of delay of payment, but not more than 10% per year of the amount of loan issued;

Mandatory requirements:
Confirmation of incomes: availability of pension contributions for the last 6 months;

- type: residential and commercial real estate;

- year of construction: not older than 1960 (inclusive);

- in a city of Almaty boundaries;

- wall material: monolith / reinforced concrete, brick, concrete panels, thermal

  block/foam concrete block;

The costs associated with the credit processing:
Insurance of property: According to the tariffs of insurance companies (the Bank does not limit you in choosing an insurance company);
Evaluation of real estate: According to the tariffs of the independent evaluating company (the Bank does not limit you in choosing the evaluating company);

 * Credit conditions for individuals, approved by the Credit Committee, the Protocol №11-2018  from 08.02.2018

Printing version

Corporate philosophy of JSC «Shinhan Bank Kazakhstan» is elaborated in compliance with «Shinhan Way» corporate philosophy, which is obligatory for each division of «Shinhan» financial group.

The Bank`s strategy is to gain the positions of one of the leading and reliable banks, a provider of up-to-date financial services despite the impacts of the global financial crisis.

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