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Secured loan program for consumer purposes
Interest rate
from 19,5 % to 30% annually
Loan amount*
from 3 000 000 to 100 000 000 tenge
Term
from 13 months to 20 years
Commission fees
0 KZT
AEIR
from 20,0% to 35,0% annually
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)
* The Bank's authorized collective body may adopt other lending conditions within the limits established by the legislation of the Republic of Kazakhstan, taking into account the risk limit per borrower, in accordance with the Bank's Credit Policy regulations.
Loan debt refinancing (with collateral)
Interest rate
from 19,5% to 30,0% annually
Loan amount*
from 30 000 000 to 100 000 000 tenge
Term
from 13 months to 20 years
Commission fees
0 KZT
AEIR
from 20,0% to 35,0% annually
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)
* The Bank's authorized collective body may adopt other lending conditions within the limits established by the legislation of the Republic of Kazakhstan, taking into account the risk limit per borrower, in accordance with the Bank's Credit Policy regulations.
Loan for the purchase of real estate
Interest rate
from 19,5% to 25,0% annually
Loan amount*
from KZT 30 000 000 to KZT 100 000 000
Term
from 13 months to 20 years
Commission & Fee
0 KZT
AEIR
from 19,5% to 25,0% annually
Down payment — when purchasing an apartment (at least 40%), when purchasing a residential building with a land plot (at least 50%)
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
* The Bank's authorized collective body may adopt other lending conditions within the limits established by the legislation of the Republic of Kazakhstan, taking into account the risk limit per borrower, in accordance with the Bank's Credit Policy regulations.
Loan consultation
For a more detailed consultation, you can apply for a preliminary loan consideration. For this you need to:
- Collect a package of documents according to the list
- Scan documents (if you do not have a scanner, you can download the "Scanner" application for smartphones in Playmarket/Appstore)
- Save documents in PDF format
- Send scanned documents in PDF format to credit@shinhan.kz
After receiving the documents, the Bank's manager will contact you.
