“Taking into account that the country is under a state of emergency, the Altyn Bank supports the measures implemented by the Government of Kazakhstan and is ready to grant deferred payments on loans and credit cards for up to three months within a period of March 16, 2020 to June 15, 2020.
Deferred Payments Terms
1. Applications for standstill of payments on the principal and fees (hereinafter – theDeferred Payments Terms “Application”) for the period from March 16, 2020 to June 15, 2020 are being accepted for all loans issued before March 16, 2020 for individual borrowers whose financial situation worsened due to the following reason
• temporary incapacity for work due to the introduction of quarantine;
• being on unpaid leave;
• dismissal, termination of the employment contract and termination of other labour relations;
• reduction in the amount or suspension of payment of wages/salaries or other income;
• in the event that the employee cannot be present at his/her workplace due to restrictions on entry into (exit from) the area, which is under a state of emergency and (or) quarantine;
• other reasons indicating a deterioration in the financial situation.
2. Borrowers residing in the cities of Nur-Sultan and Almaty, who are not in arrears as of March 16, 2020, will be automatically granted a one-month deferral for unsecured and secured loans, the repayment date of which falls from March 16, 2020 until April 19, 2020, on the following conditions:
• If, at the loan repayment date, there are no funds in your account or the funds are not sufficient to repay, the Bank will automatically grant a full or partial deferral for one month. The Bank will notify you of the deferral sending a SMS. The new repayment schedule for unsecured loans will be available in your Altyn-i personal account. The repayment schedule for secured loans will be sent to your email at your request.
• If, at the loan repayment date, there are no funds in your account or the funds are not sufficient to repay, the Bank will automatically grant a full or partial deferral for one month. The Bank will notify you of the deferral sending a SMS. The new repayment schedule for unsecured loans will be available in your Altyn-i personal account. The repayment schedule for secured loans will be sent to your email at your request.
• If you need a deferral of more than one month for unsecured, secured loans, and credit cards, you are required to submit an application.
3. You can apply for a deferral in your Altyn-i personal cabinet in the “Other” section. The following should be specified in your application:
• type of loan (if you have more than one, please, list them);
• deferral period;
• reason for the deferral.
The Bank shall consider applications within ten (10) working days from the submission date. You are NOT required to provide any additional documents confirming the worsening of your financial situation.
After processing the accepted application, the Bank will notify you sending a SMS.
After a deferral has been granted, a new repayment schedule for unsecured loans will be available in your Altyn-i personal cabinet. The repayment schedule for securedloans will be sent to the customer’s email upon his/her request.
The deferral will not cause an increase in the amount of a monthly payment. However, the term and the total overpayment of the loan will increase. The total amount of the overpayment may be reduced in case of partial prepayment of the loan.
Мерзімін ұзарту кепілсіз несиелер бойынша банктік несие шарттарына қосымша келісімдерге қол қоймай беріледі;
Банк өтінішті қарастырғаны және несие бойынша мерзімін ұзарту үшін комиссиялар немесе өзге де төлемдерді алмайды;
Мерзімін ұзарту кредиттік тарихтың нашарлауы және кредиттік бюроларға теріс ақпарат беруге негіз болмайды;
4. Individual borrowers placed into the categories specified in this clause shall not be required to contact the Bank or submit an application for deferral. The Bank itself will notify the borrower and request his/her consent for a deferral.
Categories of Borrowers:
• Vulnerable socialgroups in accordance with Article 68 of the Law of the Republic of Kazakhstan On Housing Relations;
• Recipients of state targeted social assistance in accordance with the Law of the Republic of Kazakhstan On State Targeted Social Assistance;
• The unemployed that are registered with the local authority for employment of population in accordance with the Law of the Republic of Kazakhstan On Employment of Population.
5. Мерзімін ұзарту шағын және орта кәсіпкерлік субъектілеріне, оның ішінде қызметін экономиканың келесі салаларында жүзеге асыратын жеке кәсіпкерлерге беріледі:
Categories of Borrowers:
•Сауда секторы, сауда-ойын-сауық орталықтарын жалға алушыларды, халық тұтынатын тауарлардың дүкендерін, азық-түлік дүкендерін қоса алғанда, азық-түлік дүкендерін, дәріханаларды және олармен байланысты жеткізілімдерді қоспағанда
• Спорт, туризм және қонақ үй бизнесі, туроператорлар мен турагенттерді қоса алғанда.
• Жолаушылар және жүк тасымалдау секторы, азық-түлік пен дәрі-дәрмектерді тасымалдауды қоспағанда.
• Қоғамдық тамақтандыру секторы, мейрамханалар мен кафелерді қоса алғанда.
• Тұрмыстық қызмет көрсету бос уақыт пен демалысты ұйымдастыру секторы, театрларды, кинотеатрларды, фото және бейнетүсірілімдерді, көрмелер мен конференцияларды, салтанатты жиындарды ұйымдастыруды, сұлулық салондарын және фитнес орталықтарды қоса алғанда.
Take care of yourself and your loved ones. God bless you.”