FAQs | Otbasy bank JSC

FAQs

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Top 10 Questions
How much should I pay the commission for opening a special account?
How much should I pay the commission for opening a special account?
Updated 10/07/2024 05:00:10 pm
There is no commission for opening a special and savings account
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Can I withdraw money from a special account?
Can I withdraw money from a special account?
Updated 07/17/2024 02:53:32 pm
Нет. Жилищные выплаты со специального счета перечисляются только в случае:
1) перевода на депозит клиента в Банке;
2) для оплаты аренды жилья;
3) погашения займа в Банке, при зачислении денег на текущий счет.
4) перевода на банковский счет, открытый в другом банке второго уровня безналичным путем.
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Can I change the payment date?
Can I change the payment date?
Updated 07/02/2024 09:23:37 am
Yes. The new payment date is set fr om the 1st to the 25th of the month. The Bank may lim it the choice of separately acceptable repayment dates.
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What is confirmation of the purpose of the loan?
What is confirmation of the purpose of the loan?
Updated 07/02/2024 09:23:36 am
Подтверждение цели займа - это использование суммы выданного займа только на улучшение жилищных условий, в соответствии с целью, указанной в кредитной заявке.

Подтверждение цели займа осуществляется соответствующими документами в установленный срок
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Conditions of the Shanyrak program
Conditions of the Shanyrak program
Updated 11/18/2024 09:20:24 pm
The initial payment is 10% of the cost of housing;

The interest rate on the loan is 5% per annum;

The maximum loan term is 20 years.
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I am not on the waiting list of the akimat, but I have 20% of the cost, can I participate in the Shanyrak program?
I am not on the waiting list of the akimat, but I have 20% of the cost, can I participate in the Shanyrak program?
Updated 11/15/2024 08:16:09 am
Only MIO waiting lists can participate in the Shanyrak program.
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Basic conditions for the program "With a diploma to the village"
Basic conditions for the program "With a diploma to the village"
Updated 07/02/2024 09:23:26 am
Lending rate - 0.01%
Maximum loan amount -  no more than 1500 Monthly Calculation Indicators, in 2023 it is 5175000 tenge.
Initial payment - 0%
Loan term - 15 years
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Who can participate in the program "With a diploma to the village"?
Who can participate in the program "With a diploma to the village"?
Updated 07/02/2024 09:23:24 am
Citizens of the Republic of Kazakhstan who have reached the age of eighteen, specialists in the field of health care, education, social security, culture, sports and agro-industrial complex, civil servants of the akims of villages, settlements, rural districts who have arrived to work and live in rural settlements can participate.
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What alternative channels are there to fund your account?
What alternative channels are there to fund your account?
Updated 07/02/2024 09:23:14 am
You can fund your account through the following alternative channels:

1) Beeline: pay from the phone balance, the commission is charged at the rate of 1,5% of the transfer amount;

2) Bank Center Credit: through the cash desk, the commission is charged at a rate of 0,3% of the transfer amount;

3) Halyk bank: through the cash desk, the commission is charged at the rate of 1% of the transfer amount.

Issuing banks may set additional fees for transfer operations. More detailed information about the different payment methods can be found here.
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For what purposes can I use money from a special account?
For what purposes can I use money from a special account?
Updated 11/20/2024 09:38:09 am
Housing payments are used by an employee of the institution for the following purposes:
1) acquisition of residential premises or residential premises using a mortgage loan (loan);
2) use of money to pay for the rental of housing or to pay for the rental of housing with subsequent redemption;
3) use of money to repay a previously received mortgage loan (loan);
4) use of money to pay contributions when participating in shared housing construction;
5) use of money to pay contributions when participating in a homeowners' cooperative;
6) use of money to replenish savings in the form of HCS;
7) use of money to improve housing conditions.
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