Detailed Terms

Funding Currency

KZT, USD* and other foreign currencies as decided by the Bank's authorized body

Interest Rate

from 22.5% to 23.5% (APR from 25.6% to 34%)**

Type of Credit

Bank loan
Non-revolving credit line

Loan Term

Up to 120 months

Loan Amount

Up to 1,000,000,000 ₸ or equivalent in foreign currency

Repayment Schedule

Principal loan – monthly differentiated payments
Interest – monthly
Principal loan – monthly annuity payments
Interest – monthly

Principal Repayment

Up to 12 months (as determined by the Bank's authorized body)

Initial Payment

From 20% of the market value of the real estate being purchased
0% — if additional collateral in the form of real estate (excluding land plots) or cash is provided

Collateral

Main collateral - purchased real estate
Real estate
Cash pledge
Guarantee from JSC "Entrepreneurship Development Fund "Damu"

Fees

According to the bank's approved tariffs***

Insurance

Property insurance for the entire loan term with annual renewal

* For clients with corresponding currency proceeds and/or whose currency risks are covered by the client's corresponding hedging instruments.

** Remuneration rates were approved by the decision of the Asset and Liability Management Committee (Appendix No. 1 to Minutes No. 56-14 dated May 6, 2026)

*** Tariffs do not apply under government programs where stipulated by the agreement between the Bank and the financial agency and/or the legislation of the Republic of Kazakhstan, and/or program conditions, and/or the Bank's authorized body's decision.

Frequently Asked Questions

1. What can the loan be used for?: For the purchase of commercial real estate.

2. What is the loan term?: Up to 120 months.

3. What collateral is required?: The real estate being purchased.

4. Is a deferral of the principal possible?: Yes, up to 12 months on principal repayment.

5. What is the maximum loan amount?: Up to 1 billion tenge.

SME Real Estate

Detailed Terms

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Frequently Asked Questions