FAQs
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[NAME] => SAFETY
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[NAME] => ACCOUNT FUNDING
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[NAME] => ARREST OF ACCOUNTS
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[NAME] => COMISSIONS, FINES, PENALTIES
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[NAME] => SPECIAL ACCOUNT
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[NAME] => POST-CREDIT SERVICE
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[SORT] => 500
[CHECK_VIDEO] =>
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[0] => Array
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[ID] => 430689
[~ID] => 430689
[NAME] => What is required to open a deposit?
[~NAME] => What is required to open a deposit?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => To open a Housing Construction Savings (HCS) deposit, you must provide an identity document containing an individual identification number (IIN).
When opening a deposit for a child, a parent's identity card and a child's birth certificate are required.
[~PREVIEW_TEXT] => To open a Housing Construction Savings (HCS) deposit, you must provide an identity document containing an individual identification number (IIN).
When opening a deposit for a child, a parent's identity card and a child's birth certificate are required.
[IBLOCK_SECTION_ID] => 4599
[~IBLOCK_SECTION_ID] => 4599
[TIMESTAMP_X] => 06/29/2024 11:46:55 am
[~TIMESTAMP_X] => 06/29/2024 11:46:55 am
[PROPERTY_TOP_CAT_VALUE] =>
[~PROPERTY_TOP_CAT_VALUE] =>
[PROPERTY_TOP_CAT_ENUM_ID] =>
[~PROPERTY_TOP_CAT_ENUM_ID] =>
[PROPERTY_TOP_CAT_VALUE_ID] =>
[~PROPERTY_TOP_CAT_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_VALUE] =>
[~PROPERTY_COUNT_VOIT_VALUE] =>
[PROPERTY_COUNT_VOIT_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_VALUE_ID] =>
[PROPERTY_VIDEO_URL_VALUE] =>
[~PROPERTY_VIDEO_URL_VALUE] =>
[PROPERTY_VIDEO_URL_VALUE_ID] =>
[~PROPERTY_VIDEO_URL_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_Y_VALUE] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE] =>
[PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_N_VALUE] =>
[~PROPERTY_COUNT_VOIT_N_VALUE] =>
[PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[PROPERTY_SORT_CAT_VALUE] =>
[~PROPERTY_SORT_CAT_VALUE] =>
[PROPERTY_SORT_CAT_VALUE_ID] =>
[~PROPERTY_SORT_CAT_VALUE_ID] =>
[SORT] => 500
[~SORT] => 500
[PREVIEW_TEXT_TYPE] => text
[~PREVIEW_TEXT_TYPE] => text
)
[1] => Array
(
[ID] => 430692
[~ID] => 430692
[NAME] => How much does it cost to open a deposit?
[~NAME] => How much does it cost to open a deposit?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => There is no commission fee for the opening of the HCS deposit.
[~PREVIEW_TEXT] => There is no commission fee for the opening of the HCS deposit.
[IBLOCK_SECTION_ID] => 4599
[~IBLOCK_SECTION_ID] => 4599
[TIMESTAMP_X] => 06/29/2024 11:47:17 am
[~TIMESTAMP_X] => 06/29/2024 11:47:17 am
[PROPERTY_TOP_CAT_VALUE] =>
[~PROPERTY_TOP_CAT_VALUE] =>
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[~PROPERTY_TOP_CAT_ENUM_ID] =>
[PROPERTY_TOP_CAT_VALUE_ID] =>
[~PROPERTY_TOP_CAT_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_VALUE] =>
[~PROPERTY_COUNT_VOIT_VALUE] =>
[PROPERTY_COUNT_VOIT_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_VALUE_ID] =>
[PROPERTY_VIDEO_URL_VALUE] =>
[~PROPERTY_VIDEO_URL_VALUE] =>
[PROPERTY_VIDEO_URL_VALUE_ID] =>
[~PROPERTY_VIDEO_URL_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_Y_VALUE] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE] =>
[PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_N_VALUE] =>
[~PROPERTY_COUNT_VOIT_N_VALUE] =>
[PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[PROPERTY_SORT_CAT_VALUE] =>
[~PROPERTY_SORT_CAT_VALUE] =>
[PROPERTY_SORT_CAT_VALUE_ID] =>
[~PROPERTY_SORT_CAT_VALUE_ID] =>
[SORT] => 500
[~SORT] => 500
[PREVIEW_TEXT_TYPE] => text
[~PREVIEW_TEXT_TYPE] => text
)
[2] => Array
(
[ID] => 430695
[~ID] => 430695
[NAME] => Amount of remuneration on deposit
[~NAME] => Amount of remuneration on deposit
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => The nominal interest rate on "Baspana", "Arnau" and "Zhas Otbasy" deposits is 2% per annum, the effective interest rate is up to 14% per annum. On the "Tabysty" deposit, the interest rate is 5,5%, the effective interest rate is up to 17,1% per annum.
[~PREVIEW_TEXT] => The nominal interest rate on "Baspana", "Arnau" and "Zhas Otbasy" deposits is 2% per annum, the effective interest rate is up to 14% per annum. On the "Tabysty" deposit, the interest rate is 5,5%, the effective interest rate is up to 17,1% per annum.
[IBLOCK_SECTION_ID] => 4599
[~IBLOCK_SECTION_ID] => 4599
[TIMESTAMP_X] => 06/29/2024 11:47:35 am
[~TIMESTAMP_X] => 06/29/2024 11:47:35 am
[PROPERTY_TOP_CAT_VALUE] =>
[~PROPERTY_TOP_CAT_VALUE] =>
[PROPERTY_TOP_CAT_ENUM_ID] =>
[~PROPERTY_TOP_CAT_ENUM_ID] =>
[PROPERTY_TOP_CAT_VALUE_ID] =>
[~PROPERTY_TOP_CAT_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_VALUE] =>
[~PROPERTY_COUNT_VOIT_VALUE] =>
[PROPERTY_COUNT_VOIT_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_VALUE_ID] =>
[PROPERTY_VIDEO_URL_VALUE] =>
[~PROPERTY_VIDEO_URL_VALUE] =>
[PROPERTY_VIDEO_URL_VALUE_ID] =>
[~PROPERTY_VIDEO_URL_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_Y_VALUE] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE] =>
[PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_N_VALUE] =>
[~PROPERTY_COUNT_VOIT_N_VALUE] =>
[PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[PROPERTY_SORT_CAT_VALUE] =>
[~PROPERTY_SORT_CAT_VALUE] =>
[PROPERTY_SORT_CAT_VALUE_ID] =>
[~PROPERTY_SORT_CAT_VALUE_ID] =>
[SORT] => 500
[~SORT] => 500
[PREVIEW_TEXT_TYPE] => text
[~PREVIEW_TEXT_TYPE] => text
)
[3] => Array
(
[ID] => 430698
[~ID] => 430698
[NAME] => Is partial withdrawal possible?
[~NAME] => Is partial withdrawal possible?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Partial withdrawal from the deposit is not allowed.
The depositor can divide the deposit into 2 (two), and close one of the deposits. If the deposit has been open since November 1, 2016, the division can be made through Internet banking or the Otbasy bank mobile application and withdraw up to 1 million tenge of savings.
[~PREVIEW_TEXT] => Partial withdrawal from the deposit is not allowed.
The depositor can divide the deposit into 2 (two), and close one of the deposits. If the deposit has been open since November 1, 2016, the division can be made through Internet banking or the Otbasy bank mobile application and withdraw up to 1 million tenge of savings.
[IBLOCK_SECTION_ID] => 4599
[~IBLOCK_SECTION_ID] => 4599
[TIMESTAMP_X] => 06/29/2024 11:48:00 am
[~TIMESTAMP_X] => 06/29/2024 11:48:00 am
[PROPERTY_TOP_CAT_VALUE] =>
[~PROPERTY_TOP_CAT_VALUE] =>
[PROPERTY_TOP_CAT_ENUM_ID] =>
[~PROPERTY_TOP_CAT_ENUM_ID] =>
[PROPERTY_TOP_CAT_VALUE_ID] =>
[~PROPERTY_TOP_CAT_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_VALUE] =>
[~PROPERTY_COUNT_VOIT_VALUE] =>
[PROPERTY_COUNT_VOIT_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_VALUE_ID] =>
[PROPERTY_VIDEO_URL_VALUE] =>
[~PROPERTY_VIDEO_URL_VALUE] =>
[PROPERTY_VIDEO_URL_VALUE_ID] =>
[~PROPERTY_VIDEO_URL_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_Y_VALUE] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE] =>
[PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_N_VALUE] =>
[~PROPERTY_COUNT_VOIT_N_VALUE] =>
[PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[PROPERTY_SORT_CAT_VALUE] =>
[~PROPERTY_SORT_CAT_VALUE] =>
[PROPERTY_SORT_CAT_VALUE_ID] =>
[~PROPERTY_SORT_CAT_VALUE_ID] =>
[SORT] => 500
[~SORT] => 500
[PREVIEW_TEXT_TYPE] => text
[~PREVIEW_TEXT_TYPE] => text
)
[4] => Array
(
[ID] => 430701
[~ID] => 430701
[NAME] => What is a tariff program?
[~NAME] => What is a tariff program?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => The tariff program determines the interest rates on the deposit and other conditions for savings and lending in the future. The bank has 2 tariff programs: "Baspana" and "Tabysty". And within the framework of the tariff program "Baspana", you can open a children's deposit "Arnau" and a deposit "Zhas Otbasy". Each tariff program has its advantages. According to the tariff program "Baspana", the deposit rate will be 2% per annum, the effective interest rate is up to 14% per annum (including the state premium), the commission for opening a deposit is 0 tenge. According to the tariff program "Tabysty", the deposit rate will be 5,5% per annum, the effective interest rate is up to 17,1% per annum (including the state premium), the commission for opening a deposit is 0 tenge.
[~PREVIEW_TEXT] => The tariff program determines the interest rates on the deposit and other conditions for savings and lending in the future. The bank has 2 tariff programs: "Baspana" and "Tabysty". And within the framework of the tariff program "Baspana", you can open a children's deposit "Arnau" and a deposit "Zhas Otbasy". Each tariff program has its advantages. According to the tariff program "Baspana", the deposit rate will be 2% per annum, the effective interest rate is up to 14% per annum (including the state premium), the commission for opening a deposit is 0 tenge. According to the tariff program "Tabysty", the deposit rate will be 5,5% per annum, the effective interest rate is up to 17,1% per annum (including the state premium), the commission for opening a deposit is 0 tenge.
[IBLOCK_SECTION_ID] => 4599
[~IBLOCK_SECTION_ID] => 4599
[TIMESTAMP_X] => 06/29/2024 11:48:22 am
[~TIMESTAMP_X] => 06/29/2024 11:48:22 am
[PROPERTY_TOP_CAT_VALUE] =>
[~PROPERTY_TOP_CAT_VALUE] =>
[PROPERTY_TOP_CAT_ENUM_ID] =>
[~PROPERTY_TOP_CAT_ENUM_ID] =>
[PROPERTY_TOP_CAT_VALUE_ID] =>
[~PROPERTY_TOP_CAT_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_VALUE] =>
[~PROPERTY_COUNT_VOIT_VALUE] =>
[PROPERTY_COUNT_VOIT_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_VALUE_ID] =>
[PROPERTY_VIDEO_URL_VALUE] =>
[~PROPERTY_VIDEO_URL_VALUE] =>
[PROPERTY_VIDEO_URL_VALUE_ID] =>
[~PROPERTY_VIDEO_URL_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_Y_VALUE] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE] =>
[PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_N_VALUE] =>
[~PROPERTY_COUNT_VOIT_N_VALUE] =>
[PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[PROPERTY_SORT_CAT_VALUE] =>
[~PROPERTY_SORT_CAT_VALUE] =>
[PROPERTY_SORT_CAT_VALUE_ID] =>
[~PROPERTY_SORT_CAT_VALUE_ID] =>
[SORT] => 500
[~SORT] => 500
[PREVIEW_TEXT_TYPE] => text
[~PREVIEW_TEXT_TYPE] => text
)
[5] => Array
(
[ID] => 430704
[~ID] => 430704
[NAME] => My savings period has expired, what will happen to my deposit?
[~NAME] => My savings period has expired, what will happen to my deposit?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => No need to worry! The savings period will be automatically extended. Since there is no maximum savings period for a deposit.
[~PREVIEW_TEXT] => No need to worry! The savings period will be automatically extended. Since there is no maximum savings period for a deposit.
[IBLOCK_SECTION_ID] => 4599
[~IBLOCK_SECTION_ID] => 4599
[TIMESTAMP_X] => 06/29/2024 11:48:40 am
[~TIMESTAMP_X] => 06/29/2024 11:48:40 am
[PROPERTY_TOP_CAT_VALUE] =>
[~PROPERTY_TOP_CAT_VALUE] =>
[PROPERTY_TOP_CAT_ENUM_ID] =>
[~PROPERTY_TOP_CAT_ENUM_ID] =>
[PROPERTY_TOP_CAT_VALUE_ID] =>
[~PROPERTY_TOP_CAT_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_VALUE] =>
[~PROPERTY_COUNT_VOIT_VALUE] =>
[PROPERTY_COUNT_VOIT_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_VALUE_ID] =>
[PROPERTY_VIDEO_URL_VALUE] =>
[~PROPERTY_VIDEO_URL_VALUE] =>
[PROPERTY_VIDEO_URL_VALUE_ID] =>
[~PROPERTY_VIDEO_URL_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_Y_VALUE] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE] =>
[PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_N_VALUE] =>
[~PROPERTY_COUNT_VOIT_N_VALUE] =>
[PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[PROPERTY_SORT_CAT_VALUE] =>
[~PROPERTY_SORT_CAT_VALUE] =>
[PROPERTY_SORT_CAT_VALUE_ID] =>
[~PROPERTY_SORT_CAT_VALUE_ID] =>
[SORT] => 500
[~SORT] => 500
[PREVIEW_TEXT_TYPE] => text
[~PREVIEW_TEXT_TYPE] => text
)
[6] => Array
(
[ID] => 430707
[~ID] => 430707
[NAME] => What types of deposit do you have?
[~NAME] => What types of deposit do you have?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => There are several types of deposits in Otbasy Bank:
1) "Baspana" Deposit - 2% interest rate (AEIR up to 14% per year including state premium). At the same time, there is no commission for opening a deposit. The deposit can be opened for adults and children under 18 years old.
2) "Tabysty" Deposit - interest rate 5,5% (AEIR up to 17,1% per year including state premium). The minimum amount of the contract for the "Tabysty" deposit is 6 million tenge.
3) "Arnau" Deposit – 2% interest rate (AEIR up to 14% per year including state premium). For children from 0 to 14 years old, the deposit is opened by the parent/adoptive parent/guardian at the bank branch or through online services, from 14 years old to 18 years old by a minor with the consent of the parent/adoptive parent/guardian only at the bank branch or with bank consultants.
4) Deposit "Zhas otbasy" – interest rate 2% (AEIR up to 14% per year including state premium). The "Zhas Otbasy" deposit can be opened if at the time of opening the deposit the marriage of the spouses is not more than five years old (according to the marriage certificate). The deposit "Zhas otbasy" can be opened by each of the spouses.
5) Educational savings Deposit "AQYL" - the interest rate is 12% per annum (AEIR up to 13,1%) and 9,5% per annum (AEIR up to 10,1%), respectively. The funds from the deposit can be used not only for education, but also for other purposes, including the purchase of housing.
Each of the deposits can be opened free of charge, a state premium of 20% is accrued on the deposits of “Baspana”, “Tabysty”, “Arnau” and “Zhas Otbasy”. Customers can receive a premium for any amount of replenishment, but the maximum premium is calculated on the basis of 200 MCI, which is 738 400 tenge in monetary terms. Thus, the maximum amount of premium is limited to 20% of 200 MCI, which is equal to 147 680 tenge. If the client replenishes the deposit for an amount less than 200 MCI, the bonus is still accrued, and it is also 20% of the accumulated amount. And on the "AQYL" deposit, the state premium can be received in the amount of 5% for all categories of depositors and 7% for vulnerable groups. The maximum state premium for deosite "AQYL" does not exceed 100 MCI (369 200 tenge for 2024). To receive the bonus, a minimum accumulation period of one year is required, and the initial payment is 3 MCI (11 076 tenge for 2024).
You can open a deposit: in Internet banking and in the Otbasy Bank mobile application; through the Bank's Video Call the first deposit; with the Bank's consultants and in consulting centers; in the Bank's branches upon direct application; in the branches of Kazpost JSC. To open a deposit, only an identity card, a birth certificate are required. Non-citizens of the Republic of Kazakhstan can open a deposit with an identity card - a residence permit for a foreigner in the Republic of Kazakhstan. After opening the deposit, you can replenish it for any amount.
[~PREVIEW_TEXT] => There are several types of deposits in Otbasy Bank:
1) "Baspana" Deposit - 2% interest rate (AEIR up to 14% per year including state premium). At the same time, there is no commission for opening a deposit. The deposit can be opened for adults and children under 18 years old.
2) "Tabysty" Deposit - interest rate 5,5% (AEIR up to 17,1% per year including state premium). The minimum amount of the contract for the "Tabysty" deposit is 6 million tenge.
3) "Arnau" Deposit – 2% interest rate (AEIR up to 14% per year including state premium). For children from 0 to 14 years old, the deposit is opened by the parent/adoptive parent/guardian at the bank branch or through online services, from 14 years old to 18 years old by a minor with the consent of the parent/adoptive parent/guardian only at the bank branch or with bank consultants.
4) Deposit "Zhas otbasy" – interest rate 2% (AEIR up to 14% per year including state premium). The "Zhas Otbasy" deposit can be opened if at the time of opening the deposit the marriage of the spouses is not more than five years old (according to the marriage certificate). The deposit "Zhas otbasy" can be opened by each of the spouses.
5) Educational savings Deposit "AQYL" - the interest rate is 12% per annum (AEIR up to 13,1%) and 9,5% per annum (AEIR up to 10,1%), respectively. The funds from the deposit can be used not only for education, but also for other purposes, including the purchase of housing.
Each of the deposits can be opened free of charge, a state premium of 20% is accrued on the deposits of “Baspana”, “Tabysty”, “Arnau” and “Zhas Otbasy”. Customers can receive a premium for any amount of replenishment, but the maximum premium is calculated on the basis of 200 MCI, which is 738 400 tenge in monetary terms. Thus, the maximum amount of premium is limited to 20% of 200 MCI, which is equal to 147 680 tenge. If the client replenishes the deposit for an amount less than 200 MCI, the bonus is still accrued, and it is also 20% of the accumulated amount. And on the "AQYL" deposit, the state premium can be received in the amount of 5% for all categories of depositors and 7% for vulnerable groups. The maximum state premium for deosite "AQYL" does not exceed 100 MCI (369 200 tenge for 2024). To receive the bonus, a minimum accumulation period of one year is required, and the initial payment is 3 MCI (11 076 tenge for 2024).
You can open a deposit: in Internet banking and in the Otbasy Bank mobile application; through the Bank's Video Call the first deposit; with the Bank's consultants and in consulting centers; in the Bank's branches upon direct application; in the branches of Kazpost JSC. To open a deposit, only an identity card, a birth certificate are required. Non-citizens of the Republic of Kazakhstan can open a deposit with an identity card - a residence permit for a foreigner in the Republic of Kazakhstan. After opening the deposit, you can replenish it for any amount.
[IBLOCK_SECTION_ID] => 4599
[~IBLOCK_SECTION_ID] => 4599
[TIMESTAMP_X] => 06/29/2024 11:49:01 am
[~TIMESTAMP_X] => 06/29/2024 11:49:01 am
[PROPERTY_TOP_CAT_VALUE] =>
[~PROPERTY_TOP_CAT_VALUE] =>
[PROPERTY_TOP_CAT_ENUM_ID] =>
[~PROPERTY_TOP_CAT_ENUM_ID] =>
[PROPERTY_TOP_CAT_VALUE_ID] =>
[~PROPERTY_TOP_CAT_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_VALUE] =>
[~PROPERTY_COUNT_VOIT_VALUE] =>
[PROPERTY_COUNT_VOIT_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_VALUE_ID] =>
[PROPERTY_VIDEO_URL_VALUE] =>
[~PROPERTY_VIDEO_URL_VALUE] =>
[PROPERTY_VIDEO_URL_VALUE_ID] =>
[~PROPERTY_VIDEO_URL_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_Y_VALUE] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE] =>
[PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_N_VALUE] =>
[~PROPERTY_COUNT_VOIT_N_VALUE] =>
[PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[PROPERTY_SORT_CAT_VALUE] =>
[~PROPERTY_SORT_CAT_VALUE] =>
[PROPERTY_SORT_CAT_VALUE_ID] =>
[~PROPERTY_SORT_CAT_VALUE_ID] =>
[SORT] => 500
[~SORT] => 500
[PREVIEW_TEXT_TYPE] => text
[~PREVIEW_TEXT_TYPE] => text
)
[7] => Array
(
[ID] => 430710
[~ID] => 430710
[NAME] => What is the minimum amount to open a deposit?
[~NAME] => What is the minimum amount to open a deposit?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] =>
After opening the deposit, the client has the opportunity to deposit funds on it at any time and for any amount. The minimum deposit amount is 500 monthly calculation indices (MCI), which is equal to 1 846 000 tenge for 2024. The client can regularly replenish the deposit at his own discretion or immediately make the initial payment necessary to obtain a loan. The amount of this contribution depends on the terms of the selected loan or credit program.
The client can open several deposits, but the total amount of all deposits for one depositor should not exceed 200 million tenge.
[~PREVIEW_TEXT] =>
After opening the deposit, the client has the opportunity to deposit funds on it at any time and for any amount. The minimum deposit amount is 500 monthly calculation indices (MCI), which is equal to 1 846 000 tenge for 2024. The client can regularly replenish the deposit at his own discretion or immediately make the initial payment necessary to obtain a loan. The amount of this contribution depends on the terms of the selected loan or credit program.
The client can open several deposits, but the total amount of all deposits for one depositor should not exceed 200 million tenge.
[IBLOCK_SECTION_ID] => 4599
[~IBLOCK_SECTION_ID] => 4599
[TIMESTAMP_X] => 06/29/2024 11:49:24 am
[~TIMESTAMP_X] => 06/29/2024 11:49:24 am
[PROPERTY_TOP_CAT_VALUE] =>
[~PROPERTY_TOP_CAT_VALUE] =>
[PROPERTY_TOP_CAT_ENUM_ID] =>
[~PROPERTY_TOP_CAT_ENUM_ID] =>
[PROPERTY_TOP_CAT_VALUE_ID] =>
[~PROPERTY_TOP_CAT_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_VALUE] =>
[~PROPERTY_COUNT_VOIT_VALUE] =>
[PROPERTY_COUNT_VOIT_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_VALUE_ID] =>
[PROPERTY_VIDEO_URL_VALUE] =>
[~PROPERTY_VIDEO_URL_VALUE] =>
[PROPERTY_VIDEO_URL_VALUE_ID] =>
[~PROPERTY_VIDEO_URL_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_Y_VALUE] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE] =>
[PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_N_VALUE] =>
[~PROPERTY_COUNT_VOIT_N_VALUE] =>
[PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[PROPERTY_SORT_CAT_VALUE] =>
[~PROPERTY_SORT_CAT_VALUE] =>
[PROPERTY_SORT_CAT_VALUE_ID] =>
[~PROPERTY_SORT_CAT_VALUE_ID] =>
[SORT] => 500
[~SORT] => 500
[PREVIEW_TEXT_TYPE] => text
[~PREVIEW_TEXT_TYPE] => text
)
[8] => Array
(
[ID] => 430713
[~ID] => 430713
[NAME] => I have already saved 50% of the contractual amount, what should I do next?
[~NAME] => I have already saved 50% of the contractual amount, what should I do next?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => You can apply for a housing loan at an interest rate of 3,5%-5% per annum if the following conditions are met:
- accumulation of 50% of the contractual amount,
- achieving an EI of at least 16,
- accumulation period of 3 years (36 months) or more,
- provision of the necessary collateral.
If the term of your deposit is less than 3 years and the value of the EI is less than 16, then you can consider an interim loan or loan programs as part of a preliminary loan.
[~PREVIEW_TEXT] => You can apply for a housing loan at an interest rate of 3,5%-5% per annum if the following conditions are met:
- accumulation of 50% of the contractual amount,
- achieving an EI of at least 16,
- accumulation period of 3 years (36 months) or more,
- provision of the necessary collateral.
If the term of your deposit is less than 3 years and the value of the EI is less than 16, then you can consider an interim loan or loan programs as part of a preliminary loan.
[IBLOCK_SECTION_ID] => 4599
[~IBLOCK_SECTION_ID] => 4599
[TIMESTAMP_X] => 06/29/2024 11:49:48 am
[~TIMESTAMP_X] => 06/29/2024 11:49:48 am
[PROPERTY_TOP_CAT_VALUE] =>
[~PROPERTY_TOP_CAT_VALUE] =>
[PROPERTY_TOP_CAT_ENUM_ID] =>
[~PROPERTY_TOP_CAT_ENUM_ID] =>
[PROPERTY_TOP_CAT_VALUE_ID] =>
[~PROPERTY_TOP_CAT_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_VALUE] =>
[~PROPERTY_COUNT_VOIT_VALUE] =>
[PROPERTY_COUNT_VOIT_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_VALUE_ID] =>
[PROPERTY_VIDEO_URL_VALUE] =>
[~PROPERTY_VIDEO_URL_VALUE] =>
[PROPERTY_VIDEO_URL_VALUE_ID] =>
[~PROPERTY_VIDEO_URL_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_Y_VALUE] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE] =>
[PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_N_VALUE] =>
[~PROPERTY_COUNT_VOIT_N_VALUE] =>
[PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[PROPERTY_SORT_CAT_VALUE] =>
[~PROPERTY_SORT_CAT_VALUE] =>
[PROPERTY_SORT_CAT_VALUE_ID] =>
[~PROPERTY_SORT_CAT_VALUE_ID] =>
[SORT] => 500
[~SORT] => 500
[PREVIEW_TEXT_TYPE] => text
[~PREVIEW_TEXT_TYPE] => text
)
[9] => Array
(
[ID] => 430716
[~ID] => 430716
[NAME] => Can another person change the terms of my HCS contract?
[~NAME] => Can another person change the terms of my HCS contract?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Yes. Deposit servicing operations are possible under a notarized power of attorney. The power of attorney must be executed according to the sample. A sample power of attorney is presented here.
[~PREVIEW_TEXT] => Yes. Deposit servicing operations are possible under a notarized power of attorney. The power of attorney must be executed according to the sample. A sample power of attorney is presented here.
[IBLOCK_SECTION_ID] => 4599
[~IBLOCK_SECTION_ID] => 4599
[TIMESTAMP_X] => 06/29/2024 11:50:05 am
[~TIMESTAMP_X] => 06/29/2024 11:50:05 am
[PROPERTY_TOP_CAT_VALUE] =>
[~PROPERTY_TOP_CAT_VALUE] =>
[PROPERTY_TOP_CAT_ENUM_ID] =>
[~PROPERTY_TOP_CAT_ENUM_ID] =>
[PROPERTY_TOP_CAT_VALUE_ID] =>
[~PROPERTY_TOP_CAT_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_VALUE] =>
[~PROPERTY_COUNT_VOIT_VALUE] =>
[PROPERTY_COUNT_VOIT_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_VALUE_ID] =>
[PROPERTY_VIDEO_URL_VALUE] =>
[~PROPERTY_VIDEO_URL_VALUE] =>
[PROPERTY_VIDEO_URL_VALUE_ID] =>
[~PROPERTY_VIDEO_URL_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_Y_VALUE] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE] =>
[PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_N_VALUE] =>
[~PROPERTY_COUNT_VOIT_N_VALUE] =>
[PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[PROPERTY_SORT_CAT_VALUE] =>
[~PROPERTY_SORT_CAT_VALUE] =>
[PROPERTY_SORT_CAT_VALUE_ID] =>
[~PROPERTY_SORT_CAT_VALUE_ID] =>
[SORT] => 500
[~SORT] => 500
[PREVIEW_TEXT_TYPE] => text
[~PREVIEW_TEXT_TYPE] => text
)
)
[4834] => Array
(
[0] => Array
(
[ID] => 1207090
[~ID] => 1207090
[NAME] => In which cases is a collateral substitution not allowed?
[~NAME] => In which cases is a collateral substitution not allowed?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => In what cases is the substitution of collateral not is not allowed?
· You cannot use the HCS deposit, which serves as collateral for another loan. · real estate owned by the borrower himself or his spouse on the pledge of real estate owned by a third party, which is the only new collateral provided, except in the case of providing additional collateral in the form of real estate owned by the borrower or his spouse;
· For commercial real estate.
· If the loan debt of the borrower is less than 15% of the market value of the new real estate provided as collateral.
[~PREVIEW_TEXT] => In what cases is the substitution of collateral not is not allowed?
· You cannot use the HCS deposit, which serves as collateral for another loan. · real estate owned by the borrower himself or his spouse on the pledge of real estate owned by a third party, which is the only new collateral provided, except in the case of providing additional collateral in the form of real estate owned by the borrower or his spouse;
· For commercial real estate.
· If the loan debt of the borrower is less than 15% of the market value of the new real estate provided as collateral.
[IBLOCK_SECTION_ID] => 4834
[~IBLOCK_SECTION_ID] => 4834
[TIMESTAMP_X] => 12/12/2024 12:09:57 pm
[~TIMESTAMP_X] => 12/12/2024 12:09:57 pm
[PROPERTY_TOP_CAT_VALUE] =>
[~PROPERTY_TOP_CAT_VALUE] =>
[PROPERTY_TOP_CAT_ENUM_ID] =>
[~PROPERTY_TOP_CAT_ENUM_ID] =>
[PROPERTY_TOP_CAT_VALUE_ID] =>
[~PROPERTY_TOP_CAT_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_VALUE] =>
[~PROPERTY_COUNT_VOIT_VALUE] =>
[PROPERTY_COUNT_VOIT_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_VALUE_ID] =>
[PROPERTY_VIDEO_URL_VALUE] =>
[~PROPERTY_VIDEO_URL_VALUE] =>
[PROPERTY_VIDEO_URL_VALUE_ID] =>
[~PROPERTY_VIDEO_URL_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_Y_VALUE] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE] =>
[PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_Y_VALUE_ID] =>
[PROPERTY_COUNT_VOIT_N_VALUE] =>
[~PROPERTY_COUNT_VOIT_N_VALUE] =>
[PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[~PROPERTY_COUNT_VOIT_N_VALUE_ID] =>
[PROPERTY_SORT_CAT_VALUE] =>
[~PROPERTY_SORT_CAT_VALUE] =>
[PROPERTY_SORT_CAT_VALUE_ID] =>
[~PROPERTY_SORT_CAT_VALUE_ID] =>
[SORT] => 500
[~SORT] => 500
[PREVIEW_TEXT_TYPE] => text
[~PREVIEW_TEXT_TYPE] => text
)
)
)
[TOP_CUR_CAT] => Array
(
)
[CURRENT_SE_LIST] => Array
(
[4599] => Array
(
[NAME] => TOP 10 QUESTIONS
[ID] => 4599
[UF_LANG_SECTION] =>
)
[4834] => Array
(
[NAME] => substitution of collateral
[ID] => 4834
[UF_LANG_SECTION] =>
)
)
)
