Refinancing is the act of taking out a new loan to pay off your existing secured and mortgage loans, with the option of borrowing extra funds.
Benefits
Reduced burden
You can reduce your monthly payment and free up part of your budget.
One loan — one payment
You no longer need to keep track of different repayment dates.
Extra funds
If needed, it is possible to borrow more than the current outstanding debt, subject to sufficient solvency and collateral valuation.
Convenient planning
A single loan is easier to manage and account for in expenses.
Terms and Conditions
| Interest rate | 23–25.5% |
| AEIR | 26–29.2% |
| Term | 3 - 120 months |
| Loan currency | KZT |
| Maximum loan amount | ₸150,000,000 |
| Loan to value ratio: | |
| up to 70% |
| up to 60% |
| up to 60% |
| up to 50% |
| up to 30% |
| Optional | It is possible to apply for an amount greater than the refinanced amount (extra funds). |
| Fee | None |
| Comprehensive insurance (property insurance/title insurance) | 1 year – mandatory; Subsequent years – at the Customer’s discretion |
| Customer Eligibility Requirements: | |
| Outstanding at the time of application |
| None |
| Solvency analysis | Official income or indirect proof of income |
FAQ
You can refinance secured consumer loans issued by other second-tier banks, including mortgage loans. Refinancing is not available for loans issued:
- under the state lending program;
- under the subsidized lending program;
- through small and medium-sized business or large business lending programs;
- by microcredit or microfinance organizations.
Yes, if your collateral and solvency allow it.
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