Apply for a loan, refinancing, or a mortgage and get a chance to win up to KZT 500,000 toward a partial early repayment of your loan.
Promotion period: 01.06–30.11.2026.
Submit an application for a loan, refinancing, or a mortgage.
All approved products are automatically entered into the drawing.
Each month, winners receive a partial early repayment of their loan in the amount of KZT 100,000, KZT 200,000, KZT 300,000, KZT 400,000, or KZT 500,000.
A Partial Early Repayment (PER) is an early repayment of a portion of a loan, which reduces the outstanding principal balance and lowers the borrower’s debt burden. As part of the promotion, participants have a chance to win a bank-funded Partial Early Repayment of up to KZT 500,000 and reduce their loan balance.
The promotion is open to customers who apply for an unsecured loan, a secured loan, or a mortgage through Altyn-i during the promotion period.
The promotion offers prizes in the form of partial early repayment of a loan in the following amounts: KZT 100,000, KZT 200,000, KZT 300,000, KZT 400,000, and KZT 500,000.
To participate, you must apply for a loan or mortgage through the Altyn-i app and have an active loan at the time of the drawing.
No. A winner is excluded from participation in subsequent promotion drawings.
No. At the time of the drawing, the loan must be active, not overdue, and not subject to restructuring.
In the event of the Borrower’s failure to perform obligations under the bank loan agreement, the Bank shall act in accordance with the requirements of the Civil Code of the Republic of Kazakhstan, the Civil Procedure Code of the Republic of Kazakhstan, the Law of the Republic of Kazakhstan “On Banks and Banking Activity in the Republic of Kazakhstan”, the Law of the Republic of Kazakhstan “On Payments and Payment Systems”, and the Law of the Republic of Kazakhstan “On Notaries”, as well as the terms of the Comprehensive Banking Service Agreement for Retail Customers of JSC “Altyn Bank” (a subsidiary of China CITIC Bank Corporation Ltd).
1.Pre-court Settlement.
The Bank sends the Borrower: demands and notices on the need to repay overdue debt;proposals for voluntary settlement of the debt within the established timeframes.
2. Accrual of Penalties:
In accordance with the terms of the loan agreement and the legislation of the Republic of Kazakhstan, the Bank carries out the accrual of fines and/or penalties for failure to meet the deadlines for fulfilling obligations.
3. Recovery of Funds.
The Bank is entitled to levy recovery on the funds held in the Borrower’s bank accounts, within the limits established by law.
4. Recovery by Notarial Writ of Execution.
In the event of non-repayment of overdue indebtedness, the Bank shall have the right to:
• apply to a notary with an application for the issuance of a notarial writ of execution for the recovery of the amount of the overdue principal debt;
• submit the notarial writ of execution for compulsory enforcement to a Private Judicial Enforcement Officer.
The Borrower shall have the right to challenge the notarial writ of execution in the manner and within the time limits provided for by the Law of the Republic of Kazakhstan “On Notaries” by submitting written objections to the notary who issued the notarial writ of execution.
5. Court Recovery.
In the event of cancellation of the notarial writ of execution, the Bank shall have the right to:
initiate court proceedings to recover the outstanding indebtedness. ;
•file a lawsuit with the court for recovery of the outstanding indebtedness;• claim reimbursement of court expenses, including the state duty (court fee) and other costs;
•initiate enforcement against the Borrower’s property in the manner established by the legislation of the Republic of Kazakhstan.
Additionally, please be informed that the Bank shall have the right to:
•assign (transfer) its rights of claim under overdue loan agreements to third parties, in the manner and on the terms that do not contradict the legislation of the Republic of Kazakhstan;
•transfer the necessary information and documents relating to the Borrower and/or the loan within the framework of such assignment.