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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 19.4%

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 19.4%

• 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%

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

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

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

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 19.4%

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.