Refinancing of Secured and Mortgage Loans

Interest rate: 23–25% AEIR: 26–28.6%

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What is refinancing?

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.

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Interest rate	23–25.5%
AEIR	26–28.6%
Term	3 - 120 months
Loan currency	KZT
Maximum loan amount	₸150,000,000
Loan to value ratio:
Apartment	up to 70%
Residential house	up to 60%
Commercial integrated premises	up to 60%
With indirect proof of income	up to 50%
If loan amount is > ₸100,000,000	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:
Existing loans	Outstanding at the time of application
Overdue debt	None
Solvency analysis	Official income or indirect proof of income
About the Borrower's Liability

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.