Loan refinancing

Loans issued in other STBs of the Republic of Kazakhstan can be refinanced.

 To apply for Refinancing, you need to:

• choose Refinancing button on the main page in the Alatau City Bank mobile application;

• fill out a questionnaire for obtaining a refinancing;

• wait for a Push notification about the Bank's decision.

You can apply for Refinancing in the Alatau City Bank mobile application from 08:00 a.m. to 22:00 p.m.

To apply for Refinancing in the Alatau City Bank mobile application, you need:

* an identity document;

Upon receiving a positive decision from the Bank, the payment card will be opened in the mobile application, to which loan funds will be credited, if it is not available.

If you are a civil servant and you do not have pension contributions, if you have a mortgage loan and housing payments, you need to apply in the Alatau City Bank mobile application and attach a "certificate of income" and a "certificate of housing payments".

To apply for Refinancing in the Alatau City Bank mobile application, your average monthly income must be at least the minimum wage established by the legislation of the Republic of Kazakhstan.

The maximum Refinancing amount in the Alatau City Bank mobile application is up to 8,000,000 tenge.

To pay the monthly payment, you need to replenish the repayment account specified in the Bank Loan Agreement before the monthly payment* date, in any way convenient for you.
The most convenient ways are:
• Branch of the Bank,
• Kassa 24, Yurta, Qiwi terminals,
• Replenishment of the card in Alatau City Bank ATMs with the Cash-in function,
• Transfer to an account from other STBs, between own accounts, within the Bank.
You can find out your repayment account in the "Loans" section of the Alatau City Bank mobile application, information about the loan in the "Repayment account" tab.
*
Standard terms and conditions of a non-business-related bank loan (“accession agreement”)
, funds for repayment of the monthly payment must be provided before 18:00 pm Astana time.

To change the payment date for Refinancing, you must contact the Bank's branch. Commission for changing the payment date according to the bank loan agreement.

Early/partial repayment of Refinancing can be made in the Alatau City Bank mobile application or by contacting any branch of the Bank.

Monthly repayment of the Refinancing payment by the 3rd person is possible. Early/partial repayment of Refinancing from a third party can be made only if there is a notarized power of attorney.

The decision on Refinancing is issued by the Bank's automated system, the Bank's employees do not participate in this process and cannot influence the decision. In each specific case, the decision is made individually and depends on your loan history and solvency.

Applications for Refinancing are considered if the clients are individuals-residents of the Republic of Kazakhstan who have reached the age of 21 and are not older than 70 years at the date of repayment of the loan.

There are no penalties, commission for early or partial repayment of the Refinancing.

There are no commissions for the organization of the loan.

The funds will be credited to the account (s) of another STB from 1 to 3 working days.

There are no restrictions on the number of applications for Refinancing in the Alatau City Bank mobile application.

* In each specific case, the decision on the loan is made individually and depends on the quality of the credit history and the solvency of the client. It is possible to submit the second application for Refinancing in the Alatau City Bank mobile application 15 minutes after the previous application is processed.

You may submit an application for restructuring upon providing documents confirming the circumstances (facts) that caused the delay in fulfilling the obligations under the bank loan agreement, as well as the deterioration of your financial and/or social situation.

• Certificate of registration of the borrower as unemployed (it is recommended that the date of issue of the certificate does not exceed 10 (ten) calendar days);
• Certificate of the borrower’s income for the last 6 (six) / 12 (twelve) months (for individual entrepreneurs under the simplified tax regime), issued by the employer, reflecting a decrease in the borrower’s average monthly income for at least two months preceding the month of the borrower’s application or the appointment of targeted social assistance;
• Statement from the Unified Accumulative Pension Fund on the borrower’s inflows and transactions for the last 6 (six) / 12 (twelve) months (for individual entrepreneurs under the simplified tax regime), reflecting a decrease in the borrower’s average monthly income for at least two months preceding the month of application or the appointment of targeted social assistance;
• Employer’s statement confirming termination of the employment contract or granting unpaid leave to the borrower;
• Medical certificate / sick leave confirming temporary disability of the borrower;
• Document confirming the borrower’s leave due to pregnancy and childbirth, adoption of a newborn child(ren), as well as unpaid leave for childcare until the child reaches three years of age;
• Certificate of temporary disability, certificate confirming illness of close relatives or the spouse of the borrower;
• Death certificate / confirmation regarding close relatives or the spouse of the borrower;
• Notarized rental agreement concluded with the borrower, indicating the payment terms and schedule;
• Documents confirming material damage suffered by the borrower as a result of an accident or unlawful actions of third parties (theft of goods in turnover or other property used by the borrower for entrepreneurial activities);
• Official documents confirming the occurrence of force majeure circumstances;
• Disability certificate of group 1, 2, or 3 for the borrower or close relatives/spouse of the borrower;
• Decision by the authorized state authority regarding the seizure of the borrower’s accounts;
• Collection orders, court rulings related to the borrower;
• Other documents confirming the deterioration of the borrower’s financial condition.

You can apply for loan restructuring at any branch of the Alatau City Bank.