Deposit-secured loan
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Amount |
Up to the deposit amount |
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Lending purpose |
1. Working capital financing; 2. Investment purposes; 3. Refunding of loans received in other Banks provided that there is no overdue debt; 4. Refunding of expenditures incurred. |
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Financing type |
Loan/Revolving/Non-revolving credit facility |
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Term |
No longer than deposit term minus 7 calendar days |
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Collateral |
A deposit in SB Sberbank JSC, covering not less than 100% (Principal debt + interest for 1 month) |
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Loan currency |
KZT, USD, RUR, EURO |
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Repayment of interest |
Monthly |
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Repayment of principal debt |
Monthly, in equal installments or by annuity payments. Repayment of principal debt is possible at maturity of loan |
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Fees |
According to the Tariffs Catalogue by SB Sberbank JSC |
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Penalty for late repayment of principal debt and interest |
For individual entrepreneurs – 0.5% of the amount of outstanding payments for each overdue day, but no more than 10% of the amount of the loan for each year of loan term. For legal entities – 0.5% of the amount of outstanding payments for each overdue day. |
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Prepayment penalty |
Not applicable |
Loan benefits
- minimum package of documents for the loan;
- opportunity to draft personal repayment schedule considering specifics of the business;
- no penalties for loan prepayment.
- preservation of the deposit interest.
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List of documents * |
LE |
IE |
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Constituent documents |
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IE certificate, licenses, certificates, patent, permission for business, etc. |
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Certificate from the tax authority or e-gov of absence/presence of arrears to the state budget and off-budget funds |
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Certificate on bank accounts opened with other banks with indication of account turnover for the last 12 months (with monthly breakdown) |
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Financial statements |
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Tax return for the last reporting period |
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Copies of the documents of founders, directors and chief accountant (identity card, certificate from the place of residence) |
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Copies of documents (identity card, marriage certificate, certificate from the registration place) |
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Specimen signature form and seal impression card |
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Documents on collateral |
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*The Bank may request additional documents required for a thorough examination of the project
For more information you can contact the bank branch in your city or please call the Contact center 8 (727) 250-30-20, in other regions of Kazakhstan: 8-8000-808-808.
- You are an individual entrepreneur or legal entity;
- Availability of the deposit in our Bank.
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Sberbank offers loans secured by a deposit – a simplified and advantageous way to get a loan.
If you have a deposit account with our Bank, you can promptly get loan for any business purpose on the most favorable terms, and maintain a fixed interest on the deposit.
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© 2016 SB Sberbank JSC