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Loan secured by real estate
Amount
up to 50 million ₸
Term
up to 120 months
Rate
from 21% to 23% (EIR from 24,1% to 30,9%)
Advantages
Rate
from 21% to 23% (EIR from 24,1% to 30,9%)
Promptly
short review time
Comfortable
applying online
Product Conditions
A loan secured by real estate in Kazakhstan provides that the bank issues credit funds to an individual, and housing, which is registered to this person, acts as collateral. This format of lending allows the bank to offer the client a large amount and a favorable interest rate. At the same time, the borrower does not need to renew the housing, cancel the residence permit. Altyn Bank offers to take out a loan secured by an apartment or a residential building. You can choose a loan program with or without commission, with or without proof of income.
Borrower CategoryRate*EIRCommission for the organization of the loanCommission for consideration of the application
With proof of income20,5%from 23,46% to 29,6%2.5% of the loan amount10 000 ₸ 
With indirect proof of income21,5%from 24,69% to 30,9%2.5% of the loan amount10 000 ₸ 

*The remuneration rates were approved by the decision of the ALCO No.20042020 of April 20, 2020, No.21052021 of May 21, 2021, No. 31082021 of August 31, 2021, No. 01032022 of 03/01/2022, No. 14122022 of 12/14/12, No. 08062023 of June 08, 2023

Borrower CategoryRate*EIRCommission for the organization of the loanCommission for consideration of the application
With proof of income21,5%from 24,4% to 24,6%0 ₸ 0 ₸ 
With indirect proof of income23%from 25,6% to 25,8%0 ₸ 0 ₸ 

*The remuneration rates were approved by the decision of the ALCO No.20042020 of April 20, 2020, No.21052021 of May 21, 2021, No. 31082021 of August 31, 2021, No. 01032022 of 03/01/2022, No. 14122022 of 12/14/12, No. 08062023 of June 08, 2023

Request for consultation
Information on liability of the borrower - individual in case of default on obligations under the bank loan agreement.

Measures taken by the Bank for non-fulfillment or improper fulfillment of obligations by the Client under the Credit Agreement.

The Bank shall have the right (unless otherwise provided by the Current legislation or the Credit agreement):

- demand payment of penalties (fines, penalties) in the amount provided for in the Credit Agreement; and/or

- in the order of direct debit to withdraw money, in any currency of the amount of the current and overdue Debt of the Client under the Credit Agreement from any accounts of the Client, except as provided by the Current legislation, opened with the Bank and / or other banks and / or organizations engaged in certain types of banking operations, and other credit organizations, convert the amounts so collected in the currency of the outstanding obligations of the Client at the rates in force in the Bank on the date of conversion at the time of writing off; and / or

- file a lawsuit with the court to recover the Indebtedness with allocation of court expenses, including the state duty and expenses related to court proceedings and other expenses of the Bank to the Customer's account, including by foreclosure of any property of the Customer in accordance with the procedure established by the Current legislation, as well as to foreclose the Collateral out of court or in court; and/or

- to entrust the collection of Indebtedness under the Credit Agreement to third parties (including collection agencies) subject to the provisions of the Current legislation; and/or

- take other measures to protect the rights and legitimate interests of the Bank provided for by the Credit Agreement, the Comprehensive Retail Banking Agreement and the Current legislation.