Frequently asked questions

To apply for an Online loan, you need to:

• Choose Online loan on the main page in the Alatau City Bank mobile application;
• fill out a loan application form;
• wait for a Push notification about the Bank's decision.

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".

The maximum amount of an Online loan in the Alatau City Bank mobile application is up to 8 000 000 tenge.

You can apply for an Online loan in the Alatau City Bank mobile application from 09:00 to 22:00.

To get an Online loan in the Alatau City Bank mobile application, you need:

•  an identity document;

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

To receive an Online loan 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.

There are no commissions for the organization of the loan.

Applications for an Online loan are considered if the clients are individuals-residents of the Republic of Kazakhstan who are at least 21 years old and not older than 70 at the end date of the loan term.

The decision on an Online loan 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.

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.

Monthly repayment of an Online loan payment by a 3rd person is possible. Early/partial repayment of an Online loan from a third party  is possible only if there is a notarized power of attorney.

If your monthly online loan payment falls on a weekend, the payment is transferred to the first working day after the weekend. 

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

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

There are no commissions or penalties for early (full/partial) repayment of the Online Loan. 

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.

There are no restrictions on the number of applications for an  Online loan 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. The client will be able to re-apply for an  Online loan in the Alatau City Bank mobile application immediately after completing the previous one.