1% fee for early repayment charged only during the first 12 months

Mandatory requirements:

• Availability of pension contributions for the last 6 months;
• Real estate as collateral (in Almaty/ Nut-Sultan)

Costs associated with the credit:

• Insurance of property (the Bank does not limit you in choosing an insurance company);
• Evaluation of real estate (the Bank does not limit you in choosing the evaluating company)

Annual effective interest rate from 20.9 % annually

1% fee for early repayment charged only during the first 12 months

Mandatory requirements:

• Availability of pension contributions for the last 6 months;
• Real estate as collateral

Costs associated with the credit:

• Insurance of property (the Bank does not limit you in choosing an insurance company);
• Evaluation of real estate (the Bank does not limit you in choosing the evaluating company)

*Annual effective interest rate from 20.9 % annually

• Credit ammount: not more than 95% of the security, but not less than 100 000 tenge or the amount equivalent to the currency of the security;
• Term: not less than the term of the allocation of funds;
• Interest rate: 2% per annum
• Commision fees: 0 KZT

*Annual effective interest rate: from 2%

Down payment — when purchasing an apartment (at least 40%), when purchasing a residential building with a land plot (at least 50%)

Commission for partial/early repayment - 1% (only charged in the 1st year)

Loan security: purchased residential property in Almaty (there are requirements for collateral)

- Beyond that, instead of the down payment, the client can provide additional real estate as security, covering the amount of the down payment at the collateral value, while the loan will be provided for the full cost of the acquired residential property.

Mandatory requirements:

• Proof of official income for the last 6 months
• Collateral insurance

Costs associated with obtaining a loan:

• Self-insurance of real estate in an independent insurance company
• Self-assessment of collateral in an independent appraisal company

Annual effective interest rate from 20.9 % annually

For a more detailed consultation, you can apply for a preliminary loan consideration. For this you need to:

1. Collect a package of documents according to the list
2. Scan documents (if you do not have a scanner, you can download the "Scanner" application for smartphones in Playmarket/Appstore)
3. Save documents in PDF format
4. Send scanned documents in PDF format to credit@shinhan.kz

 After receiving the documents, the Bank's manager will contact you.