FAQs
Array
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[NAME] => Deposits
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[NAME] => TENGE DEPOSIT PROTECTION PROGRAM
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[NAME] => POST DEPOSIT OPERATIONS
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[SORT] => 500
)
[4488] => Array
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[NAME] => POST-CREDIT SERVICE
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[SORT] => 500
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(
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[NAME] => MORTGAGES FOR EVERYONE
[PICTURE] => Array
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[SORT] => 500
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[4506] => Array
(
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[NAME] => BRANCHES AND TERMINALS
[PICTURE] => Array
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[TIMESTAMP_X] => 09/25/2024 10:03:18 am
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[META] =>
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)
[SORT] => 500
)
[4509] => Array
(
[ID] => 4509
[NAME] => SAFETY
[PICTURE] => Array
(
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[TIMESTAMP_X] => 09/25/2024 10:02:57 am
[MODULE_ID] => iblock
[HEIGHT] => 44
[WIDTH] => 35
[FILE_SIZE] => 1856
[CONTENT_TYPE] => image/webp
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[DESCRIPTION] =>
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)
[SORT] => 500
)
[4632] => Array
(
[ID] => 4632
[NAME] => ACCOUNT FUNDING
[PICTURE] => Array
(
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[TIMESTAMP_X] => 09/25/2024 10:02:32 am
[MODULE_ID] => iblock
[HEIGHT] => 36
[WIDTH] => 40
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[DESCRIPTION] =>
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[META] =>
[SRC] => /upload/iblock/15d/3lhlv075frtwlwupiv1w472bxig26vzu.webp
)
[SORT] => 500
)
[4635] => Array
(
[ID] => 4635
[NAME] => ARREST OF ACCOUNTS
[PICTURE] => Array
(
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[TIMESTAMP_X] => 09/25/2024 10:02:03 am
[MODULE_ID] => iblock
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[WIDTH] => 40
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[CONTENT_TYPE] => image/webp
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[DESCRIPTION] =>
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[VERSION_ORIGINAL_ID] =>
[META] =>
[SRC] => /upload/iblock/2f9/o3oqlqehute650mikfo1gjq3toaqet91.webp
)
[SORT] => 500
)
[4638] => Array
(
[ID] => 4638
[NAME] => COMISSIONS, FINES, PENALTIES
[PICTURE] => Array
(
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[TIMESTAMP_X] => 09/25/2024 10:04:08 am
[MODULE_ID] => iblock
[HEIGHT] => 45
[WIDTH] => 35
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[DESCRIPTION] =>
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)
[SORT] => 500
)
[4641] => Array
(
[ID] => 4641
[NAME] => BANK CONSULTANTS
[PICTURE] => Array
(
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[TIMESTAMP_X] => 09/25/2024 10:01:21 am
[MODULE_ID] => iblock
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[CONTENT_TYPE] => image/webp
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[DESCRIPTION] =>
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[SRC] => /upload/iblock/16c/pdggo0d165woszkyp99n3rp6okyd7f6s.webp
)
[SORT] => 500
)
[4644] => Array
(
[ID] => 4644
[NAME] => SPECIAL ACCOUNT
[PICTURE] => Array
(
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[TIMESTAMP_X] => 09/25/2024 10:00:44 am
[MODULE_ID] => iblock
[HEIGHT] => 44
[WIDTH] => 35
[FILE_SIZE] => 1856
[CONTENT_TYPE] => image/webp
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[META] =>
[SRC] => /upload/iblock/7c1/yfeqakakrpt62mnfo1d500laar2qwax8.webp
)
[SORT] => 500
)
)
[TOP_CAT_INFO] => Array
(
[ID] => 4497
[NAME] => MORTGAGES FOR EVERYONE
[PICTURE] => Array
(
[ID] => 2386234
[TIMESTAMP_X] => 09/25/2024 10:03:45 am
[MODULE_ID] => iblock
[HEIGHT] => 38
[WIDTH] => 40
[FILE_SIZE] => 1118
[CONTENT_TYPE] => image/webp
[SUBDIR] => iblock/d3d
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[ORIGINAL_NAME] => 488238cca6eb85dfbb1a216766290ff6.webp
[DESCRIPTION] =>
[HANDLER_ID] =>
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[VERSION_ORIGINAL_ID] =>
[META] =>
[SRC] => /upload/iblock/d3d/em63356zxi8hqeixlqgfj8au1qlziiix.webp
)
[SORT] => 500
[CHECK_VIDEO] =>
)
[CURRENT_QUEST] => Array
(
[4602] => Array
(
[0] => Array
(
[ID] => 430782
[~ID] => 430782
[NAME] => Who can participate in the program "With a diploma to the village"?
[~NAME] => Who can participate in the program "With a diploma to the village"?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => 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.
[~PREVIEW_TEXT] => 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.
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:30:58 am
[~TIMESTAMP_X] => 07/01/2024 09:30:58 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] => 430779
[~ID] => 430779
[NAME] => Basic conditions for the program "With a diploma to the village"
[~NAME] => Basic conditions for the program "With a diploma to the village"
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => 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
[~PREVIEW_TEXT] => 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
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:30:37 am
[~TIMESTAMP_X] => 07/01/2024 09:30:37 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
)
[2] => Array
(
[ID] => 430836
[~ID] => 430836
[NAME] => How to repay a loan issued under the program "With a diploma to the village" if there is an arrest on the current account/ if there is no current account yet?
[~NAME] => How to repay a loan issued under the program "With a diploma to the village" if there is an arrest on the current account/ if there is no current account yet?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => If there are arrests on the account, the budget loan can be paid by contacting the Otbasy Bank branch. It is necessary to have any ID card, check and tickets on you for the tickets to be returned.
[~PREVIEW_TEXT] => If there are arrests on the account, the budget loan can be paid by contacting the Otbasy Bank branch. It is necessary to have any ID card, check and tickets on you for the tickets to be returned.
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:37:20 am
[~TIMESTAMP_X] => 07/01/2024 09:37:20 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] => 430833
[~ID] => 430833
[NAME] => If the client received a loan and quit his job ,then what will happen to the borrower and housing?
[~NAME] => If the client received a loan and quit his job ,then what will happen to the borrower and housing?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => If the specialist, on his own initiative, without the consent of the LEB, works less than the prescribed period, then he must return the provided social support measures in full.
[~PREVIEW_TEXT] => If the specialist, on his own initiative, without the consent of the LEB, works less than the prescribed period, then he must return the provided social support measures in full.
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:36:55 am
[~TIMESTAMP_X] => 07/01/2024 09:36:55 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
)
[4] => Array
(
[ID] => 430830
[~ID] => 430830
[NAME] => If the customer has already repaid the loan in full, where should they obtain a certificate of full repayment?
[~NAME] => If the customer has already repaid the loan in full, where should they obtain a certificate of full repayment?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => In the Department/Department of Post-Credit Services of the Bank's Branch.
In the case of clients who have early closed the loan under the program with a diploma to the village until April 2023, we recommend contacting the ACC, since Otbasy Bank has information from April 1, 2033.
[~PREVIEW_TEXT] => In the Department/Department of Post-Credit Services of the Bank's Branch.
In the case of clients who have early closed the loan under the program with a diploma to the village until April 2023, we recommend contacting the ACC, since Otbasy Bank has information from April 1, 2033.
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:36:32 am
[~TIMESTAMP_X] => 07/01/2024 09:36:32 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] => 430827
[~ID] => 430827
[NAME] => What will happen to the loan in case of the borrower's death?
[~NAME] => What will happen to the loan in case of the borrower's death?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Based on the decision of the LEB, the accrual of remuneration is suspended, the accrual and/or cancellation of the penalty (penalties/fines) is suspended, and the debt can be transferred.
[~PREVIEW_TEXT] => Based on the decision of the LEB, the accrual of remuneration is suspended, the accrual and/or cancellation of the penalty (penalties/fines) is suspended, and the debt can be transferred.
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:36:09 am
[~TIMESTAMP_X] => 07/01/2024 09:36:09 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] => 430824
[~ID] => 430824
[NAME] => Are restructuring measures applicable to this loan?
[~NAME] => Are restructuring measures applicable to this loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Restructuring of budget loans (restructuring is provided in the form of deferred payments on a budget loan), including the period of deferral, an indication of which month and for which payments (principal and/or remuneration) a deferral is granted, how fines/penalties/forfeits (if any) are reversed or the overdue amounts are distributed are reflected in the decision of the LEB, which is provided by the borrower to the Bank, after the LEB makes a decision on the borrower's application.
[~PREVIEW_TEXT] => Restructuring of budget loans (restructuring is provided in the form of deferred payments on a budget loan), including the period of deferral, an indication of which month and for which payments (principal and/or remuneration) a deferral is granted, how fines/penalties/forfeits (if any) are reversed or the overdue amounts are distributed are reflected in the decision of the LEB, which is provided by the borrower to the Bank, after the LEB makes a decision on the borrower's application.
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:35:49 am
[~TIMESTAMP_X] => 07/01/2024 09:35:49 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] => 430821
[~ID] => 430821
[NAME] => Is it possible to replace the collateral and how many times is it possible?
[~NAME] => Is it possible to replace the collateral and how many times is it possible?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Replacement of the collateral is made only for an individual residential building (with a land plot) built at the expense of the budget loan
[~PREVIEW_TEXT] => Replacement of the collateral is made only for an individual residential building (with a land plot) built at the expense of the budget loan
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:35:26 am
[~TIMESTAMP_X] => 07/01/2024 09:35:26 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] => 430818
[~ID] => 430818
[NAME] => Is rural mortgage insurance required?
[~NAME] => Is rural mortgage insurance required?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Real estate insurance is necessary only when obtaining a budget loan for construction
[~PREVIEW_TEXT] => Real estate insurance is necessary only when obtaining a budget loan for construction
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:35:01 am
[~TIMESTAMP_X] => 07/01/2024 09:35:01 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
)
[9] => Array
(
[ID] => 430815
[~ID] => 430815
[NAME] => Is it possible to change the terms (shorten the deadline, change the payment date)?
[~NAME] => Is it possible to change the terms (shorten the deadline, change the payment date)?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => No, within the framework of the program "With a diploma to the village", there is no change in the terms of the loan
[~PREVIEW_TEXT] => No, within the framework of the program "With a diploma to the village", there is no change in the terms of the loan
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:34:38 am
[~TIMESTAMP_X] => 07/01/2024 09:34:38 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
)
[10] => Array
(
[ID] => 430812
[~ID] => 430812
[NAME] => When making a partial early repayment, is it possible to reduce the term or amount of the monthly payment of your choice?
[~NAME] => When making a partial early repayment, is it possible to reduce the term or amount of the monthly payment of your choice?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Partial early repayment of the budget loan is allowed while maintaining the term of the budget loan with a decrease in the monthly payment on the loan.
[~PREVIEW_TEXT] => Partial early repayment of the budget loan is allowed while maintaining the term of the budget loan with a decrease in the monthly payment on the loan.
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:34:17 am
[~TIMESTAMP_X] => 07/01/2024 09:34:17 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
)
[11] => Array
(
[ID] => 430806
[~ID] => 430806
[NAME] => In case of violation of the Repayment Schedule, will a penalty be charged?
[~NAME] => In case of violation of the Repayment Schedule, will a penalty be charged?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => In case of violation of the Loan Repayment Schedule, the Borrower shall pay to the Lender a penalty in the amount of 0.1% (zero point one percent) of the amount payable for each calendar day of delay by transferring the amount of the penalty to the current account opened with JSC "Otbasy Bank".
[~PREVIEW_TEXT] => In case of violation of the Loan Repayment Schedule, the Borrower shall pay to the Lender a penalty in the amount of 0.1% (zero point one percent) of the amount payable for each calendar day of delay by transferring the amount of the penalty to the current account opened with JSC "Otbasy Bank".
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:33:40 am
[~TIMESTAMP_X] => 07/01/2024 09:33:40 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
)
[12] => Array
(
[ID] => 430803
[~ID] => 430803
[NAME] => How to pay the monthly payment under the program "With a diploma to the village"?
[~NAME] => How to pay the monthly payment under the program "With a diploma to the village"?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Payment of the scheduled payment is carried out by replenishing the current account using an alternative account code. You can learn more about payment methods here.
[~PREVIEW_TEXT] => Payment of the scheduled payment is carried out by replenishing the current account using an alternative account code. You can learn more about payment methods here.
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:33:21 am
[~TIMESTAMP_X] => 07/01/2024 09:33:21 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
)
[13] => Array
(
[ID] => 430800
[~ID] => 430800
[NAME] => How will the loan be disbursed?
[~NAME] => How will the loan be disbursed?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => For budget loans, the borrower receives borrowed funds to his current account with the Bank with subsequent transfer to the seller's account in any STB.
For transferring funds from the client's current account when applying for a loan under the program "With a diploma to the village!" Commission is not charged
[~PREVIEW_TEXT] => For budget loans, the borrower receives borrowed funds to his current account with the Bank with subsequent transfer to the seller's account in any STB.
For transferring funds from the client's current account when applying for a loan under the program "With a diploma to the village!" Commission is not charged
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:32:56 am
[~TIMESTAMP_X] => 07/01/2024 09:32:56 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
)
[14] => Array
(
[ID] => 430797
[~ID] => 430797
[NAME] => Will there be tax incentives for borrowers under the "With a diploma to the village" program?
[~NAME] => Will there be tax incentives for borrowers under the "With a diploma to the village" program?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => No, Article 349 of the Tax Code applies only to mortgage housing loans received from housing construction savings banks to carry out measures to improve housing conditions in the Republic of Kazakhstan in accordance with the legislation of the Republic of Kazakhstan on housing construction savings.
[~PREVIEW_TEXT] => No, Article 349 of the Tax Code applies only to mortgage housing loans received from housing construction savings banks to carry out measures to improve housing conditions in the Republic of Kazakhstan in accordance with the legislation of the Republic of Kazakhstan on housing construction savings.
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:32:38 am
[~TIMESTAMP_X] => 07/01/2024 09:32:38 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
)
[15] => Array
(
[ID] => 430794
[~ID] => 430794
[NAME] => How and where will applications for participation in the program "With a diploma to the village " be accepted?
[~NAME] => How and where will applications for participation in the program "With a diploma to the village " be accepted?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Applications will be accepted online on the Baspana Market website. Information on the timing of the start of accepting applications will be published on all official resources of the Bank.
[~PREVIEW_TEXT] => Applications will be accepted online on the Baspana Market website. Information on the timing of the start of accepting applications will be published on all official resources of the Bank.
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:32:18 am
[~TIMESTAMP_X] => 07/01/2024 09:32:18 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
)
[16] => Array
(
[ID] => 430791
[~ID] => 430791
[NAME] => What acts as collateral?
[~NAME] => What acts as collateral?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => When purchasing housing, the collateral for a budget loan is the purchased housing, the ownership of which as a result of the conclusion of the purchase and sale agreement must be issued to the client.
During the construction of housing, the collateral is the existing real estate, registered on the right of ownership in the name of the client or a third party (while the right to use the land plot provided in the name of the applicant as collateral for a budget loan is not accepted). After the commissioning of the housing, the client can replace the previously provided collateral with a built residential building with a land plot.
[~PREVIEW_TEXT] => When purchasing housing, the collateral for a budget loan is the purchased housing, the ownership of which as a result of the conclusion of the purchase and sale agreement must be issued to the client.
During the construction of housing, the collateral is the existing real estate, registered on the right of ownership in the name of the client or a third party (while the right to use the land plot provided in the name of the applicant as collateral for a budget loan is not accepted). After the commissioning of the housing, the client can replace the previously provided collateral with a built residential building with a land plot.
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:31:56 am
[~TIMESTAMP_X] => 07/01/2024 09:31:56 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
)
[17] => Array
(
[ID] => 430788
[~ID] => 430788
[NAME] => For what purposes is a budget loan provided?
[~NAME] => For what purposes is a budget loan provided?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Budget loans are provided for the purchase or construction of housing in rural areas at the place of work and residence of applicants.
[~PREVIEW_TEXT] => Budget loans are provided for the purchase or construction of housing in rural areas at the place of work and residence of applicants.
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:31:38 am
[~TIMESTAMP_X] => 07/01/2024 09:31:38 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
)
[18] => Array
(
[ID] => 430785
[~ID] => 430785
[NAME] => Is it necessary to open a current account with Otbasy Bank?
[~NAME] => Is it necessary to open a current account with Otbasy Bank?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Payment of the budget loan is carried out by replenishing the current account, so borrowers who have received a budget loan under the "With a diploma to the village" program need to open a current account with Otbasy Bank.
It is possible to open a current account in the mobile application or by making a video call on the Bank's website. To switch to a video call, click here.
[~PREVIEW_TEXT] => Payment of the budget loan is carried out by replenishing the current account, so borrowers who have received a budget loan under the "With a diploma to the village" program need to open a current account with Otbasy Bank.
It is possible to open a current account in the mobile application or by making a video call on the Bank's website. To switch to a video call, click here.
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:31:18 am
[~TIMESTAMP_X] => 07/01/2024 09:31:18 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
)
[19] => Array
(
[ID] => 430809
[~ID] => 430809
[NAME] => What are the conditions for partial early repayment of the loan?
[~NAME] => What are the conditions for partial early repayment of the loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Partial early repayment of the budget loan is allowed on any business day from the date of its receipt, subject to the provision to the Bank of the decision of the LEB on consent to partial early repayment. The minimum amount of partial early repayment of the principal debt is 50 000 (fifty thousand) tenge.
Early repayment is carried out in the management/department of post-credit services at a branch of the Bank.
[~PREVIEW_TEXT] => Partial early repayment of the budget loan is allowed on any business day from the date of its receipt, subject to the provision to the Bank of the decision of the LEB on consent to partial early repayment. The minimum amount of partial early repayment of the principal debt is 50 000 (fifty thousand) tenge.
Early repayment is carried out in the management/department of post-credit services at a branch of the Bank.
[IBLOCK_SECTION_ID] => 4602
[~IBLOCK_SECTION_ID] => 4602
[TIMESTAMP_X] => 07/01/2024 09:33:57 am
[~TIMESTAMP_X] => 07/01/2024 09:33:57 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
)
)
[4605] => Array
(
[0] => Array
(
[ID] => 430869
[~ID] => 430869
[NAME] => Who is a co-borrower?
[~NAME] => Who is a co-borrower?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => A co-borrower is an individual who, together with the borrower, is jointly and severally liable for the fulfillment of loan obligations. The co-borrower is involved in case of insufficient income of the borrower or in case of pre-retirement age of the borrower.
[~PREVIEW_TEXT] => A co-borrower is an individual who, together with the borrower, is jointly and severally liable for the fulfillment of loan obligations. The co-borrower is involved in case of insufficient income of the borrower or in case of pre-retirement age of the borrower.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:41:43 am
[~TIMESTAMP_X] => 07/01/2024 09:41:43 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] => 430872
[~ID] => 430872
[NAME] => Can I apply for a loan by proxy?
[~NAME] => Can I apply for a loan by proxy?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => A loan application can be submitted by a trustee, while your presence is required to sign bank loan agreements, pledge and obtain the loan itself.
You can get a sample of the power of attorney here.
The operation is carried out by a proxy upon submission of the following documents:
- identity card of the authorized person
- a notarized power of attorney;
- a notarized copy of the client's identity card.
[~PREVIEW_TEXT] => A loan application can be submitted by a trustee, while your presence is required to sign bank loan agreements, pledge and obtain the loan itself.
You can get a sample of the power of attorney here.
The operation is carried out by a proxy upon submission of the following documents:
- identity card of the authorized person
- a notarized power of attorney;
- a notarized copy of the client's identity card.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:42:20 am
[~TIMESTAMP_X] => 07/01/2024 09:42:20 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
)
[2] => Array
(
[ID] => 430875
[~ID] => 430875
[NAME] => I have a deposit open for a minor child, can I get a loan for it?
[~NAME] => I have a deposit open for a minor child, can I get a loan for it?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => The loan application is accepted from the Depositor who has reached the age of 18. You can assign the child deposit to yourself and then apply for a loan.
Learn more about the assignment of children's deposits here.
[~PREVIEW_TEXT] => The loan application is accepted from the Depositor who has reached the age of 18. You can assign the child deposit to yourself and then apply for a loan.
Learn more about the assignment of children's deposits here.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:44:01 am
[~TIMESTAMP_X] => 07/01/2024 09:44:01 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
)
[3] => Array
(
[ID] => 430878
[~ID] => 430878
[NAME] => How can I calculate loan payments?
[~NAME] => How can I calculate loan payments?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => To make preliminary calculations on the loan, you can:
- use the loan calculator on the Bank's website;
- write to the Bank's channels in WhatsApp on the number +77059251301, in the Otbasy bank Telegram channel (account @ quanysh_bot);
- call the Bank's Contact Center at 300;
- contact the Bank's branch manager.
[~PREVIEW_TEXT] => To make preliminary calculations on the loan, you can:
- use the loan calculator on the Bank's website;
- write to the Bank's channels in WhatsApp on the number +77059251301, in the Otbasy bank Telegram channel (account @ quanysh_bot);
- call the Bank's Contact Center at 300;
- contact the Bank's branch manager.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:44:18 am
[~TIMESTAMP_X] => 07/01/2024 09:44:18 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] => 430881
[~ID] => 430881
[NAME] => How long does it take to consider a loan application?
[~NAME] => How long does it take to consider a loan application?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => The term for consideration of a loan application is 3 working days (the maximum term for consideration is no more than 15 calendar days).
In case of prequalification, the decision is issued within 5 minutes. Prequalification can be done at the Bank's branches, as well as with consultants. You can get a list of consultants here.
[~PREVIEW_TEXT] => The term for consideration of a loan application is 3 working days (the maximum term for consideration is no more than 15 calendar days).
In case of prequalification, the decision is issued within 5 minutes. Prequalification can be done at the Bank's branches, as well as with consultants. You can get a list of consultants here.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:44:37 am
[~TIMESTAMP_X] => 07/01/2024 09:44:37 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] => 430884
[~ID] => 430884
[NAME] => How long will it take me to get a loan?
[~NAME] => How long will it take me to get a loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Average for 7-9 working days
[~PREVIEW_TEXT] => Average for 7-9 working days
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:44:51 am
[~TIMESTAMP_X] => 07/01/2024 09:44:51 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] => 430887
[~ID] => 430887
[NAME] => What fees will I need to pay?
[~NAME] => What fees will I need to pay?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Fees when applying for a loan online via Video Call:
Consideration: 0 tenge
Organization of loan issuance: 50% discount, that is 0,25% of the loan amount (maximum 100 000 tenge);
(in branches: 0,5% of the loan amount, maximum 100 000 tenge)
Transfer of money: 10 000 tenge.
In other cases:
Fees for consideration of a loan application for interim/preliminary loans: 5000 tenge;
Fees for organizing the issuance of interim/preliminary loans: 0,5% of the loan amount (minimum 15 000 tenge, maximum 100 000 tenge);
Fees for issuing a loan in cash: 0.5% of the loan amount (minimum 1 500 tenge, maximum 50 000 tenge); for non-cash external transfer - 0,3% of the transfer amount (minimum 1 500 tenge, maximum 5 000 tenge).
[~PREVIEW_TEXT] => Fees when applying for a loan online via Video Call:
Consideration: 0 tenge
Organization of loan issuance: 50% discount, that is 0,25% of the loan amount (maximum 100 000 tenge);
(in branches: 0,5% of the loan amount, maximum 100 000 tenge)
Transfer of money: 10 000 tenge.
In other cases:
Fees for consideration of a loan application for interim/preliminary loans: 5000 tenge;
Fees for organizing the issuance of interim/preliminary loans: 0,5% of the loan amount (minimum 15 000 tenge, maximum 100 000 tenge);
Fees for issuing a loan in cash: 0.5% of the loan amount (minimum 1 500 tenge, maximum 50 000 tenge); for non-cash external transfer - 0,3% of the transfer amount (minimum 1 500 tenge, maximum 5 000 tenge).
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:45:13 am
[~TIMESTAMP_X] => 07/01/2024 09:45:13 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] => 430890
[~ID] => 430890
[NAME] => Can I buy a property that is located in another city?
[~NAME] => Can I buy a property that is located in another city?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Yes, you have the right to purchase housing throughout the territory of the Republic of Kazakhstan. However, as part of government programs, you can only buy housing in the region where you are standing in line at the akimat.
[~PREVIEW_TEXT] => Yes, you have the right to purchase housing throughout the territory of the Republic of Kazakhstan. However, as part of government programs, you can only buy housing in the region where you are standing in line at the akimat.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:45:36 am
[~TIMESTAMP_X] => 07/01/2024 09:45:36 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] => 430893
[~ID] => 430893
[NAME] => How can I purchase a home?
[~NAME] => How can I purchase a home?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] =>
You can use mortgages as part of loans and programs to improve housing conditions that allow you to purchase housing in both the primary and secondary markets. It is also provided for the purchase of private houses and housing in the facilities under construction, subject to the availability of the HCGF guarantee.
In addition, you can purchase housing from developers-partners of the Bank at prices below market. You can find a list of available residential complexes here.
[~PREVIEW_TEXT] =>
You can use mortgages as part of loans and programs to improve housing conditions that allow you to purchase housing in both the primary and secondary markets. It is also provided for the purchase of private houses and housing in the facilities under construction, subject to the availability of the HCGF guarantee.
In addition, you can purchase housing from developers-partners of the Bank at prices below market. You can find a list of available residential complexes here.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:45:57 am
[~TIMESTAMP_X] => 07/01/2024 09:45:57 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] => 430896
[~ID] => 430896
[NAME] => Can I get a rental housing?
[~NAME] => Can I get a rental housing?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => There is no separate area for renting housing through the Bank. However, you may want to consider the Rental Subsidy program.
The Rental Housing Subsidy Program provides for the allocation of funds from the state budget to assist program participants in paying for housing rent, providing a form of state support on a gratuitous basis in the form of compensation from the budget to individual families renting housing in a private housing stock. Payouts do not include utility bills. Payments for housing rented in a private housing stock are carried out on a 50% parity basis at the expense of budget funds and 50% by the recipient. Thus, if a needy family rents an apartment for 120 thousand tenge, then they will pay 60 thousand tenge independently from their own funds and 60 thousand tenge will be sent at the expense of budget funds. Citizens who need housing and are registered in the Unified Republican Electronic Database of waiting lists in the following categories can participate in the program: ???? disabled people of groups 1 and 2; ???? families with or raising disabled children; ???? orphans and children left without parental care, under twenty-nine years old, who have lost their parents before adulthood; ???? mothers with many children, awarded with pendants "Altyn alka", "Kumis alka" or previously awarded the title "Mother-heroine", as well as awarded the orders "Mother's Glory" of I and II degree, large families.
[~PREVIEW_TEXT] => There is no separate area for renting housing through the Bank. However, you may want to consider the Rental Subsidy program.
The Rental Housing Subsidy Program provides for the allocation of funds from the state budget to assist program participants in paying for housing rent, providing a form of state support on a gratuitous basis in the form of compensation from the budget to individual families renting housing in a private housing stock. Payouts do not include utility bills. Payments for housing rented in a private housing stock are carried out on a 50% parity basis at the expense of budget funds and 50% by the recipient. Thus, if a needy family rents an apartment for 120 thousand tenge, then they will pay 60 thousand tenge independently from their own funds and 60 thousand tenge will be sent at the expense of budget funds. Citizens who need housing and are registered in the Unified Republican Electronic Database of waiting lists in the following categories can participate in the program: ???? disabled people of groups 1 and 2; ???? families with or raising disabled children; ???? orphans and children left without parental care, under twenty-nine years old, who have lost their parents before adulthood; ???? mothers with many children, awarded with pendants "Altyn alka", "Kumis alka" or previously awarded the title "Mother-heroine", as well as awarded the orders "Mother's Glory" of I and II degree, large families.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:46:18 am
[~TIMESTAMP_X] => 07/01/2024 09:46:18 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
)
[10] => Array
(
[ID] => 430863
[~ID] => 430863
[NAME] => Which documents do I need to submit?
[~NAME] => Which documents do I need to submit?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => The list of necessary documents for submitting a loan application can be obtained on the Bank's website hcsbk.kz here.
When prequalifying, you only need an identity card, a certificate of marriage and the birth of children (if any). Prequalification can be completed at the Bank's branches, online using the Video Call, as well as with consultants. You can get a list of consultants here.
[~PREVIEW_TEXT] => The list of necessary documents for submitting a loan application can be obtained on the Bank's website hcsbk.kz here.
When prequalifying, you only need an identity card, a certificate of marriage and the birth of children (if any). Prequalification can be completed at the Bank's branches, online using the Video Call, as well as with consultants. You can get a list of consultants here.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:41:06 am
[~TIMESTAMP_X] => 07/01/2024 09:41:06 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
)
[11] => Array
(
[ID] => 430860
[~ID] => 430860
[NAME] => Can I apply for a mortgage online?
[~NAME] => Can I apply for a mortgage online?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => You can apply for a mortgage online for both interim and residential loans, as well as within the framework of certain preliminary loan programs. Using the Video Call function, you can find out about the available bank programs and get a preliminary calculation.
[~PREVIEW_TEXT] => You can apply for a mortgage online for both interim and residential loans, as well as within the framework of certain preliminary loan programs. Using the Video Call function, you can find out about the available bank programs and get a preliminary calculation.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:40:49 am
[~TIMESTAMP_X] => 07/01/2024 09:40:49 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
)
[12] => Array
(
[ID] => 430857
[~ID] => 430857
[NAME] => Can I buy housing from private developers and which construction companies do you cooperate with?
[~NAME] => Can I buy housing from private developers and which construction companies do you cooperate with?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Yes, the investor has the right to purchase housing from any developer.
Also, you can buy housing from developers-partners of the Bank at prices below market. You can find a list of residential complexes here.
[~PREVIEW_TEXT] => Yes, the investor has the right to purchase housing from any developer.
Also, you can buy housing from developers-partners of the Bank at prices below market. You can find a list of residential complexes here.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:40:28 am
[~TIMESTAMP_X] => 07/01/2024 09:40:28 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
)
[13] => Array
(
[ID] => 430854
[~ID] => 430854
[NAME] => What kind of housing can I buy?
[~NAME] => What kind of housing can I buy?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => You have the opportunity to purchase an apartment in an apartment building in both the primary and secondary markets, or choose an individual residential building, as well as participate in shared-equity construction.
When buying housing in a house under construction with a guarantee of the Housing Construction Guarantee Fund, a property right acquired from the developer may be accepted as a pledge. In case of purchase of housing in a house under construction without guarantees of the Housing Construction Guarantee Fund, other immovable property may be accepted as collateral.
Information about construction companies and facilities on which the Bank is working is available on the Bank's website hcsbk.kz in the "Facilities" section. You can also get this information in the Bank's branches from managers.
[~PREVIEW_TEXT] => You have the opportunity to purchase an apartment in an apartment building in both the primary and secondary markets, or choose an individual residential building, as well as participate in shared-equity construction.
When buying housing in a house under construction with a guarantee of the Housing Construction Guarantee Fund, a property right acquired from the developer may be accepted as a pledge. In case of purchase of housing in a house under construction without guarantees of the Housing Construction Guarantee Fund, other immovable property may be accepted as collateral.
Information about construction companies and facilities on which the Bank is working is available on the Bank's website hcsbk.kz in the "Facilities" section. You can also get this information in the Bank's branches from managers.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:40:06 am
[~TIMESTAMP_X] => 07/01/2024 09:40:06 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
)
[14] => Array
(
[ID] => 430851
[~ID] => 430851
[NAME] => What is the most favorable type of loan?
[~NAME] => What is the most favorable type of loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => The most favorable type of loan for the borrower is a housing loan at the rate of 3,5-5% per annum.
To apply for a housing loan, the following conditions must be met:
- accumulation of at least 50% of the contractual amount;
- achievement of an evaluation indicator of at least 16;
- the accumulation period is more than 3 years;
- provision of collateral.
[~PREVIEW_TEXT] => The most favorable type of loan for the borrower is a housing loan at the rate of 3,5-5% per annum.
To apply for a housing loan, the following conditions must be met:
- accumulation of at least 50% of the contractual amount;
- achievement of an evaluation indicator of at least 16;
- the accumulation period is more than 3 years;
- provision of collateral.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:39:48 am
[~TIMESTAMP_X] => 07/01/2024 09:39:48 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
)
[15] => Array
(
[ID] => 430848
[~ID] => 430848
[NAME] => Can I apply for a loan without proof of earnings?
[~NAME] => Can I apply for a loan without proof of earnings?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => When making a housing loan, the solvency of the borrower is considered sufficient for any income. However, when applying for a housing loan, a purchased deposit was used, confirmation of solvency is required in accordance with the requirements of the Bank.
Confirmation of solvency is required for the execution of interim and preliminary loans.
[~PREVIEW_TEXT] => When making a housing loan, the solvency of the borrower is considered sufficient for any income. However, when applying for a housing loan, a purchased deposit was used, confirmation of solvency is required in accordance with the requirements of the Bank.
Confirmation of solvency is required for the execution of interim and preliminary loans.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:39:27 am
[~TIMESTAMP_X] => 07/01/2024 09:39:27 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
)
[16] => Array
(
[ID] => 430845
[~ID] => 430845
[NAME] => Can I apply for a loan without accumulating?
[~NAME] => Can I apply for a loan without accumulating?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => In Otbasy Bank, an initial payment is required to obtain a mortgage, loan or credit in accordance with the terms of the selected program. This contribution is a prerequisite, and its amount varies from 10% to 50%, depending on the conditions of the selected loan program.
If you have from 10% to 30% of the cost of housing, you can participate in various programs, such as "Nurly Zher", "Shanyrak", "Bakytty Otbasy", "Green Mortgage", "Umai", "Otau", "Zhana Baspana 8-15", "Own Home", "Nauryz" and apply for a preliminary loan.
If you have 50% of the cost of housing, you can apply for a mortgage on a housing loan or an interim loan. There is also a Zhas Otbasy program for young families with an initial payment of 50%. Thus, various options are provided depending on the amount of the initial payment, which allows customers to choose the loan program suitable for them and implement their housing plans taking into account their own capabilities and needs.
[~PREVIEW_TEXT] => In Otbasy Bank, an initial payment is required to obtain a mortgage, loan or credit in accordance with the terms of the selected program. This contribution is a prerequisite, and its amount varies from 10% to 50%, depending on the conditions of the selected loan program.
If you have from 10% to 30% of the cost of housing, you can participate in various programs, such as "Nurly Zher", "Shanyrak", "Bakytty Otbasy", "Green Mortgage", "Umai", "Otau", "Zhana Baspana 8-15", "Own Home", "Nauryz" and apply for a preliminary loan.
If you have 50% of the cost of housing, you can apply for a mortgage on a housing loan or an interim loan. There is also a Zhas Otbasy program for young families with an initial payment of 50%. Thus, various options are provided depending on the amount of the initial payment, which allows customers to choose the loan program suitable for them and implement their housing plans taking into account their own capabilities and needs.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:39:02 am
[~TIMESTAMP_X] => 07/01/2024 09:39:02 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
)
[17] => Array
(
[ID] => 430842
[~ID] => 430842
[NAME] => How much do I need to save to buy a home?
[~NAME] => How much do I need to save to buy a home?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Otbasy Bank offers various lending and borrowing programs specialized in improving housing conditions. To sel ect a suitable program, you must familiarize yourself with the terms of all programs operating in the bank. Next, choose the program you like and, according to the terms of the program, make an initial payment, confirm your solvency and get approval for the selected program or loan. The size of the initial payment and the interest rate on the loan (loan/mortgage) depends on the condition of the selected type of loan or program. There are three main types of loans available in the bank: 1) Housing loan: initial payment - 50%, loan/ loan rate will be fr om 3.5 to 5%;
2) Interim loan: initial payment - 50%, the loan/ loan rate will be from 6 to 10%;
3) Preliminary loan: initial payment from 10 to 50%, loan/ loan rate will be from 5 to 14.4%;
4) State programs (Nurly Zher, Bakytty Otbasy, Shanyrak): initial payment from 10 to 20%, loan/ loan rate will be from 2 to 5%;
5) Programs for all bank depositors:
• Own Home with an initial payment of 50%, the loan/ loan rate will be 5%;
• Green mortgage an initial payment of 20%, the loan/ loan rate will be 12.5%;
• Umai with an initial payment of 15-20%, the loan/ loan rate will be 14.4%;
• Corporate product;
• Zhana Baspana with an initial payment of 15 to 50%, the loan/ loan rate will be from 6-8%;
• Otau with an initial payment of 20%, the loan/ loan rate will be 9%;
• Nauryz with an initial payment of 20%, the loan/ loan rate will be from 7 to 9%;
• Zhas Otbasy with an initial payment of 50%, the loan/ loan rate will be 6%.
[~PREVIEW_TEXT] => Otbasy Bank offers various lending and borrowing programs specialized in improving housing conditions. To sel ect a suitable program, you must familiarize yourself with the terms of all programs operating in the bank. Next, choose the program you like and, according to the terms of the program, make an initial payment, confirm your solvency and get approval for the selected program or loan. The size of the initial payment and the interest rate on the loan (loan/mortgage) depends on the condition of the selected type of loan or program. There are three main types of loans available in the bank: 1) Housing loan: initial payment - 50%, loan/ loan rate will be fr om 3.5 to 5%;
2) Interim loan: initial payment - 50%, the loan/ loan rate will be from 6 to 10%;
3) Preliminary loan: initial payment from 10 to 50%, loan/ loan rate will be from 5 to 14.4%;
4) State programs (Nurly Zher, Bakytty Otbasy, Shanyrak): initial payment from 10 to 20%, loan/ loan rate will be from 2 to 5%;
5) Programs for all bank depositors:
• Own Home with an initial payment of 50%, the loan/ loan rate will be 5%;
• Green mortgage an initial payment of 20%, the loan/ loan rate will be 12.5%;
• Umai with an initial payment of 15-20%, the loan/ loan rate will be 14.4%;
• Corporate product;
• Zhana Baspana with an initial payment of 15 to 50%, the loan/ loan rate will be from 6-8%;
• Otau with an initial payment of 20%, the loan/ loan rate will be 9%;
• Nauryz with an initial payment of 20%, the loan/ loan rate will be from 7 to 9%;
• Zhas Otbasy with an initial payment of 50%, the loan/ loan rate will be 6%.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:38:41 am
[~TIMESTAMP_X] => 07/01/2024 09:38:41 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
)
[18] => Array
(
[ID] => 430839
[~ID] => 430839
[NAME] => How can I buy a home on the market?
[~NAME] => How can I buy a home on the market?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => To purchase housing through Bank loans, you need to follow a few steps. First, open a deposit and choose the program or type of loan that best suits your needs. Then fulfill the conditions provided for by the selected program or type of loan. Loan processing is possible both online and when visiting a bank branch.
The bank offers two types of loans for the purchase of housing on the market: a housing loan and an interim loan. These loans are provided if you have accumulated 50% of the estimated cost of the property. Also, as part of a preliminary loan, you can participate in various programs of the bank.
To apply for a loan, you will need to confirm your solvency and pledge the property. It is interesting that housing loans in the amount of up to 3 million tenge are issued without collateral under the guarantee of an individual.
[~PREVIEW_TEXT] => To purchase housing through Bank loans, you need to follow a few steps. First, open a deposit and choose the program or type of loan that best suits your needs. Then fulfill the conditions provided for by the selected program or type of loan. Loan processing is possible both online and when visiting a bank branch.
The bank offers two types of loans for the purchase of housing on the market: a housing loan and an interim loan. These loans are provided if you have accumulated 50% of the estimated cost of the property. Also, as part of a preliminary loan, you can participate in various programs of the bank.
To apply for a loan, you will need to confirm your solvency and pledge the property. It is interesting that housing loans in the amount of up to 3 million tenge are issued without collateral under the guarantee of an individual.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:38:09 am
[~TIMESTAMP_X] => 07/01/2024 09:38:09 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
)
[19] => Array
(
[ID] => 430866
[~ID] => 430866
[NAME] => Is it possible to apply for a loan without collateral?
[~NAME] => Is it possible to apply for a loan without collateral?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => When applying for a housing loan under the guarantee of an individual in the amount of up to 3 million tenge for the following purposes, the provision of collateral is not required:
- for the repair and modernization of housing;
- for the purchase of a dwelling, for the purchase of a land plot;
- for the construction of a residential building (after automation).
In other cases, the provision of collateral is a prerequisite for obtaining a loan.
[~PREVIEW_TEXT] => When applying for a housing loan under the guarantee of an individual in the amount of up to 3 million tenge for the following purposes, the provision of collateral is not required:
- for the repair and modernization of housing;
- for the purchase of a dwelling, for the purchase of a land plot;
- for the construction of a residential building (after automation).
In other cases, the provision of collateral is a prerequisite for obtaining a loan.
[IBLOCK_SECTION_ID] => 4605
[~IBLOCK_SECTION_ID] => 4605
[TIMESTAMP_X] => 07/01/2024 09:41:25 am
[~TIMESTAMP_X] => 07/01/2024 09:41:25 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
)
)
[4608] => Array
(
[0] => Array
(
[ID] => 430926
[~ID] => 430926
[NAME] => After what time will I need to confirm the intended use of the loan?
[~NAME] => After what time will I need to confirm the intended use of the loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Repair of the dwelling must be confirmed within 12 months from the date of issue of the loan
[~PREVIEW_TEXT] => Repair of the dwelling must be confirmed within 12 months from the date of issue of the loan
[IBLOCK_SECTION_ID] => 4608
[~IBLOCK_SECTION_ID] => 4608
[TIMESTAMP_X] => 07/01/2024 09:50:52 am
[~TIMESTAMP_X] => 07/01/2024 09:50:52 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] => 430923
[~ID] => 430923
[NAME] => What happens if I can't confirm the intended use of the loan?
[~NAME] => What happens if I can't confirm the intended use of the loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => If you spent the borrowed funds not for the intended purpose, you will need to return the loan amount and pay a fine for misuse of the loan.
The penalty for misuse of the loan is 10% of the amount of misuse, as well as early repayment of the loan amount, for which the Bank has not been provided with full documents on the intended use within 30 calendar days from the date of receipt of the Bank's written request.
[~PREVIEW_TEXT] => If you spent the borrowed funds not for the intended purpose, you will need to return the loan amount and pay a fine for misuse of the loan.
The penalty for misuse of the loan is 10% of the amount of misuse, as well as early repayment of the loan amount, for which the Bank has not been provided with full documents on the intended use within 30 calendar days from the date of receipt of the Bank's written request.
[IBLOCK_SECTION_ID] => 4608
[~IBLOCK_SECTION_ID] => 4608
[TIMESTAMP_X] => 07/01/2024 09:50:01 am
[~TIMESTAMP_X] => 07/01/2024 09:50:01 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
)
[2] => Array
(
[ID] => 430920
[~ID] => 430920
[NAME] => What is included in the concept of repair costs (furniture, sanitary appliances, etc.)?
[~NAME] => What is included in the concept of repair costs (furniture, sanitary appliances, etc.)?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Repair costs are understood as the purchase of building materials for repairs and payment for the services of contractors engaged in repair work. Furniture, interior items and decor are not included in the concept of repair
[~PREVIEW_TEXT] => Repair costs are understood as the purchase of building materials for repairs and payment for the services of contractors engaged in repair work. Furniture, interior items and decor are not included in the concept of repair
[IBLOCK_SECTION_ID] => 4608
[~IBLOCK_SECTION_ID] => 4608
[TIMESTAMP_X] => 07/01/2024 09:49:41 am
[~TIMESTAMP_X] => 07/01/2024 09:49:41 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] => 430917
[~ID] => 430917
[NAME] => Can I make repairs in an apartment other than my own?
[~NAME] => Can I make repairs in an apartment other than my own?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Repair of the dwelling must be carried out at the place of residence of the borrower or in real estate owned by the borrower or his spouse
[~PREVIEW_TEXT] => Repair of the dwelling must be carried out at the place of residence of the borrower or in real estate owned by the borrower or his spouse
[IBLOCK_SECTION_ID] => 4608
[~IBLOCK_SECTION_ID] => 4608
[TIMESTAMP_X] => 07/01/2024 09:49:12 am
[~TIMESTAMP_X] => 07/01/2024 09:49:12 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] => 430914
[~ID] => 430914
[NAME] => How can I confirm the intended use of the loan?
[~NAME] => How can I confirm the intended use of the loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Confirmation of the intended use of the loan for the purpose of repair is carried out within 12 months from the date of receipt of the loan.
Documents confirming the intended use of the loan:
1) an estimate of the cost of repair work drawn up by the Borrower/organization;
2) at least 6 photos after repair;
3) if the housing purchased in the house under construction is repaired and modernized (while the borrower does not have title documents for the housing), the intended use of the loan is confirmed by the contract for the purchase of housing in the house under construction with proof of payment.
[~PREVIEW_TEXT] => Confirmation of the intended use of the loan for the purpose of repair is carried out within 12 months from the date of receipt of the loan.
Documents confirming the intended use of the loan:
1) an estimate of the cost of repair work drawn up by the Borrower/organization;
2) at least 6 photos after repair;
3) if the housing purchased in the house under construction is repaired and modernized (while the borrower does not have title documents for the housing), the intended use of the loan is confirmed by the contract for the purchase of housing in the house under construction with proof of payment.
[IBLOCK_SECTION_ID] => 4608
[~IBLOCK_SECTION_ID] => 4608
[TIMESTAMP_X] => 07/01/2024 09:48:51 am
[~TIMESTAMP_X] => 07/01/2024 09:48:51 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] => 430908
[~ID] => 430908
[NAME] => What documents are needed to get a loan for repairs?
[~NAME] => What documents are needed to get a loan for repairs?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => To obtain a loan for the repair of real estate, in addition to the standard package, it is necessary to provide a cost estimate in the form of the Bank, at least 6 color photos of the property, allowing you to evaluate the premises.
You can get the full list of documents here.
[~PREVIEW_TEXT] => To obtain a loan for the repair of real estate, in addition to the standard package, it is necessary to provide a cost estimate in the form of the Bank, at least 6 color photos of the property, allowing you to evaluate the premises.
You can get the full list of documents here.
[IBLOCK_SECTION_ID] => 4608
[~IBLOCK_SECTION_ID] => 4608
[TIMESTAMP_X] => 07/01/2024 09:47:59 am
[~TIMESTAMP_X] => 07/01/2024 09:47:59 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] => 430905
[~ID] => 430905
[NAME] => Can I get a repair loan without collateral?
[~NAME] => Can I get a repair loan without collateral?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => It is possible to issue a housing loan under the guarantee of an individual in the amount of up to 3 million tenge for the repair and modernization of housing. In other cases, the provision of collateral is mandatory.
[~PREVIEW_TEXT] => It is possible to issue a housing loan under the guarantee of an individual in the amount of up to 3 million tenge for the repair and modernization of housing. In other cases, the provision of collateral is mandatory.
[IBLOCK_SECTION_ID] => 4608
[~IBLOCK_SECTION_ID] => 4608
[TIMESTAMP_X] => 07/01/2024 09:47:42 am
[~TIMESTAMP_X] => 07/01/2024 09:47:42 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] => 430902
[~ID] => 430902
[NAME] => Can I get a repair loan without proof of income?
[~NAME] => Can I get a repair loan without proof of income?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => When making a housing loan, the solvency of the borrower is considered sufficient for any income. However, when applying for a housing loan, a purchased deposit was used, confirmation of solvency is required in accordance with the requirements of the Bank.
To issue an interim loan, proof of solvency is required.
[~PREVIEW_TEXT] => When making a housing loan, the solvency of the borrower is considered sufficient for any income. However, when applying for a housing loan, a purchased deposit was used, confirmation of solvency is required in accordance with the requirements of the Bank.
To issue an interim loan, proof of solvency is required.
[IBLOCK_SECTION_ID] => 4608
[~IBLOCK_SECTION_ID] => 4608
[TIMESTAMP_X] => 07/01/2024 09:47:22 am
[~TIMESTAMP_X] => 07/01/2024 09:47:22 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
)
[8] => Array
(
[ID] => 430899
[~ID] => 430899
[NAME] => How can I get a home renovation loan?
[~NAME] => How can I get a home renovation loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => To submit a loan application, you need to accumulate or make a one-time deposit of 50% of the required amount, confirm the income and provide collateral.
It is possible to issue a housing loan under the guarantee of an individual in the amount of up to 3 million tenge for the repair and modernization of housing.
When submitting a loan application for repairs, an estimate of the repair work is drawn up in the form of the Bank and at least 6 color photographs of the housing where the repairs are planned are attached.
[~PREVIEW_TEXT] => To submit a loan application, you need to accumulate or make a one-time deposit of 50% of the required amount, confirm the income and provide collateral.
It is possible to issue a housing loan under the guarantee of an individual in the amount of up to 3 million tenge for the repair and modernization of housing.
When submitting a loan application for repairs, an estimate of the repair work is drawn up in the form of the Bank and at least 6 color photographs of the housing where the repairs are planned are attached.
[IBLOCK_SECTION_ID] => 4608
[~IBLOCK_SECTION_ID] => 4608
[TIMESTAMP_X] => 07/01/2024 09:47:02 am
[~TIMESTAMP_X] => 07/01/2024 09:47:02 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] => 430911
[~ID] => 430911
[NAME] => How can I calculate loan payments?
[~NAME] => How can I calculate loan payments?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => To make preliminary calculations on the loan, you can:
- use the loan calculator on the Bank's website;
- write to WhatsApp at +77059251301 and to the Otbasy bank Telegram channel (@ quanysh_bot account);
- call the Bank's Contact Center at 300;
- contact the Bank's branch manager.
[~PREVIEW_TEXT] => To make preliminary calculations on the loan, you can:
- use the loan calculator on the Bank's website;
- write to WhatsApp at +77059251301 and to the Otbasy bank Telegram channel (@ quanysh_bot account);
- call the Bank's Contact Center at 300;
- contact the Bank's branch manager.
[IBLOCK_SECTION_ID] => 4608
[~IBLOCK_SECTION_ID] => 4608
[TIMESTAMP_X] => 07/01/2024 09:48:22 am
[~TIMESTAMP_X] => 07/01/2024 09:48:22 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
)
)
[4611] => Array
(
[0] => Array
(
[ID] => 431007
[~ID] => 431007
[NAME] => What if I can't confirm the intended use of the loan?
[~NAME] => What if I can't confirm the intended use of the loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => If you spent the borrowed funds not for the intended purpose, you will need to return the loan amount and pay a fine for misuse of the loan.
The penalty for misuse of the loan is 10% of the amount of misuse, as well as early repayment of the loan amount, for which the Bank has not been provided with full documents on the intended use within 30 calendar days from the date of receipt of the Bank's written request.
[~PREVIEW_TEXT] => If you spent the borrowed funds not for the intended purpose, you will need to return the loan amount and pay a fine for misuse of the loan.
The penalty for misuse of the loan is 10% of the amount of misuse, as well as early repayment of the loan amount, for which the Bank has not been provided with full documents on the intended use within 30 calendar days from the date of receipt of the Bank's written request.
[IBLOCK_SECTION_ID] => 4611
[~IBLOCK_SECTION_ID] => 4611
[TIMESTAMP_X] => 07/01/2024 10:35:46 am
[~TIMESTAMP_X] => 07/01/2024 10:35:46 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] => 431010
[~ID] => 431010
[NAME] => Is it possible to issue a loan for the construction of housing, including the acquisition of a land plot?
[~NAME] => Is it possible to issue a loan for the construction of housing, including the acquisition of a land plot?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Yes, is it possible to issue a loan for the construction of housing, including the acquisition of a land plot
[~PREVIEW_TEXT] => Yes, is it possible to issue a loan for the construction of housing, including the acquisition of a land plot
[IBLOCK_SECTION_ID] => 4611
[~IBLOCK_SECTION_ID] => 4611
[TIMESTAMP_X] => 07/01/2024 10:36:08 am
[~TIMESTAMP_X] => 07/01/2024 10:36:08 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
)
[2] => Array
(
[ID] => 431004
[~ID] => 431004
[NAME] => After what time will I need to confirm the intended use of the loan?
[~NAME] => After what time will I need to confirm the intended use of the loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => The construction of the housing must be confirmed within 24 months from the date of issue of the loan
[~PREVIEW_TEXT] => The construction of the housing must be confirmed within 24 months from the date of issue of the loan
[IBLOCK_SECTION_ID] => 4611
[~IBLOCK_SECTION_ID] => 4611
[TIMESTAMP_X] => 07/01/2024 10:35:22 am
[~TIMESTAMP_X] => 07/01/2024 10:35:22 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
)
[3] => Array
(
[ID] => 431001
[~ID] => 431001
[NAME] => How can I confirm the intended use of the loan?
[~NAME] => How can I confirm the intended use of the loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => 1) title documents confirming the right of ownership of the borrower (spouse of the borrower) to the land plot on which the construction of residential real estate will be carried out, with a mark of the registering authority;
2) identification documents for the land plot (act for the right of private ownership of the land plot, act for the right of temporary paid land use (lease));
3) cost estimate for construction/repair work, drawn up by the borrower/organization;
4) the act of acceptance of an individual residential building, drawn up in accordance with the legislation of the Republic of Kazakhstan, with a mark of the registering authority on the registration of ownership.
If the residential property is not completed after 24 months from the date of issue of the loan, the documents confirming the intended use of the loan may be the documents specified in subparagraphs 1), 2), 3), as well as the inspection certificate signed by the Bank and the borrower, with the obligatory attachment of photographs of the construction facility
[~PREVIEW_TEXT] => 1) title documents confirming the right of ownership of the borrower (spouse of the borrower) to the land plot on which the construction of residential real estate will be carried out, with a mark of the registering authority;
2) identification documents for the land plot (act for the right of private ownership of the land plot, act for the right of temporary paid land use (lease));
3) cost estimate for construction/repair work, drawn up by the borrower/organization;
4) the act of acceptance of an individual residential building, drawn up in accordance with the legislation of the Republic of Kazakhstan, with a mark of the registering authority on the registration of ownership.
If the residential property is not completed after 24 months from the date of issue of the loan, the documents confirming the intended use of the loan may be the documents specified in subparagraphs 1), 2), 3), as well as the inspection certificate signed by the Bank and the borrower, with the obligatory attachment of photographs of the construction facility
[IBLOCK_SECTION_ID] => 4611
[~IBLOCK_SECTION_ID] => 4611
[TIMESTAMP_X] => 07/01/2024 10:35:01 am
[~TIMESTAMP_X] => 07/01/2024 10:35:01 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
)
[4] => Array
(
[ID] => 430998
[~ID] => 430998
[NAME] => How can I calculate loan payments?
[~NAME] => How can I calculate loan payments?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => To make preliminary calculations on the loan, you can:
- use the loan calculator on the Bank's website;
- write to WhatsApp at +77059251301 and to the Otbasy bank Telegram channel (@ quanysh_bot account);
- call the Bank's Contact Center at 300;
- contact the Bank's branch manager.
[~PREVIEW_TEXT] => To make preliminary calculations on the loan, you can:
- use the loan calculator on the Bank's website;
- write to WhatsApp at +77059251301 and to the Otbasy bank Telegram channel (@ quanysh_bot account);
- call the Bank's Contact Center at 300;
- contact the Bank's branch manager.
[IBLOCK_SECTION_ID] => 4611
[~IBLOCK_SECTION_ID] => 4611
[TIMESTAMP_X] => 07/01/2024 10:34:36 am
[~TIMESTAMP_X] => 07/01/2024 10:34:36 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] => 430995
[~ID] => 430995
[NAME] => What documents are needed to obtain a construction loan?
[~NAME] => What documents are needed to obtain a construction loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => To obtain a loan for the construction of housing, in addition to the standard package, you must provide a cost estimate in the form of the Bank.
You can get the full list of documents here.
[~PREVIEW_TEXT] => To obtain a loan for the construction of housing, in addition to the standard package, you must provide a cost estimate in the form of the Bank.
You can get the full list of documents here.
[IBLOCK_SECTION_ID] => 4611
[~IBLOCK_SECTION_ID] => 4611
[TIMESTAMP_X] => 07/01/2024 10:34:13 am
[~TIMESTAMP_X] => 07/01/2024 10:34:13 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] => 430992
[~ID] => 430992
[NAME] => Can I get a construction loan without collateral?
[~NAME] => Can I get a construction loan without collateral?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => It is possible to issue a housing loan under the guarantee of an individual in the amount of up to 3 million tenge for the construction of housing. In other cases, the provision of collateral is mandatory.
[~PREVIEW_TEXT] => It is possible to issue a housing loan under the guarantee of an individual in the amount of up to 3 million tenge for the construction of housing. In other cases, the provision of collateral is mandatory.
[IBLOCK_SECTION_ID] => 4611
[~IBLOCK_SECTION_ID] => 4611
[TIMESTAMP_X] => 07/01/2024 10:33:56 am
[~TIMESTAMP_X] => 07/01/2024 10:33:56 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] => 430989
[~ID] => 430989
[NAME] => Is it possible to get a construction loan without proof of income?
[~NAME] => Is it possible to get a construction loan without proof of income?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => When making a housing loan, the solvency of the borrower is considered sufficient for any income. However, when applying for a housing loan, a purchased deposit was used, confirmation of solvency is required in accordance with the requirements of the Bank.
To issue an interim loan, proof of solvency is required.
[~PREVIEW_TEXT] => When making a housing loan, the solvency of the borrower is considered sufficient for any income. However, when applying for a housing loan, a purchased deposit was used, confirmation of solvency is required in accordance with the requirements of the Bank.
To issue an interim loan, proof of solvency is required.
[IBLOCK_SECTION_ID] => 4611
[~IBLOCK_SECTION_ID] => 4611
[TIMESTAMP_X] => 07/01/2024 10:33:25 am
[~TIMESTAMP_X] => 07/01/2024 10:33:25 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] => 430929
[~ID] => 430929
[NAME] => How can I get a home construction loan?
[~NAME] => How can I get a home construction loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => To submit a loan application, it is necessary to accumulate or make a one-time deposit of 50% of the required amount, confirm the income and pledge the real estate.
It is possible to issue a housing loan under the guarantee of an individual in the amount of up to 3 million tenge for the construction of housing.
When submitting a loan application for the construction of housing, an estimate of construction work is drawn up in the form of the Bank.
The construction of a housing must be carried out on a land plot, the intended purpose of which is "Personal subsidiary farming" (PSF) or "Individual housing construction" (IHS)
[~PREVIEW_TEXT] => To submit a loan application, it is necessary to accumulate or make a one-time deposit of 50% of the required amount, confirm the income and pledge the real estate.
It is possible to issue a housing loan under the guarantee of an individual in the amount of up to 3 million tenge for the construction of housing.
When submitting a loan application for the construction of housing, an estimate of construction work is drawn up in the form of the Bank.
The construction of a housing must be carried out on a land plot, the intended purpose of which is "Personal subsidiary farming" (PSF) or "Individual housing construction" (IHS)
[IBLOCK_SECTION_ID] => 4611
[~IBLOCK_SECTION_ID] => 4611
[TIMESTAMP_X] => 07/01/2024 09:56:42 am
[~TIMESTAMP_X] => 07/01/2024 09:56:42 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
)
)
[4614] => Array
(
[0] => Array
(
[ID] => 431013
[~ID] => 431013
[NAME] => What loans can you refinance?
[~NAME] => What loans can you refinance?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => Loans issued in another bank/financial institution for the improvement of housing conditions are subject to refinancing
[~PREVIEW_TEXT] => Loans issued in another bank/financial institution for the improvement of housing conditions are subject to refinancing
[IBLOCK_SECTION_ID] => 4614
[~IBLOCK_SECTION_ID] => 4614
[TIMESTAMP_X] => 07/01/2024 10:36:56 am
[~TIMESTAMP_X] => 07/01/2024 10:36:56 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] => 431016
[~ID] => 431016
[NAME] => What are the conditions for refinancing?
[~NAME] => What are the conditions for refinancing?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => If there is a mortgage loan in one of the banks, then you have the opportunity to refinance it in our Bank, that is, at the expense of the loan of the HCSB to fully repay the debt in another bank.
If there is a delay in the last 6 months in repayment of the loan with another bank, refinancing will be refused.
To refinance a loan through the HCSB system, it is necessary to open a deposit and accumulate 50% of the balance of the principal debt or immediately deposit it into a savings account, while it is additionally necessary to provide a loan agreement for a refinanced loan and a repayment schedule. If a refinanced loan is supposed to be repaid, the pledgee must provide a written consent to double encumbrance and transfer of documents on the pledge to the HCSB.
Issuance of a loan is possible only with the consent of the pledgee bank for re-payment.
[~PREVIEW_TEXT] => If there is a mortgage loan in one of the banks, then you have the opportunity to refinance it in our Bank, that is, at the expense of the loan of the HCSB to fully repay the debt in another bank.
If there is a delay in the last 6 months in repayment of the loan with another bank, refinancing will be refused.
To refinance a loan through the HCSB system, it is necessary to open a deposit and accumulate 50% of the balance of the principal debt or immediately deposit it into a savings account, while it is additionally necessary to provide a loan agreement for a refinanced loan and a repayment schedule. If a refinanced loan is supposed to be repaid, the pledgee must provide a written consent to double encumbrance and transfer of documents on the pledge to the HCSB.
Issuance of a loan is possible only with the consent of the pledgee bank for re-payment.
[IBLOCK_SECTION_ID] => 4614
[~IBLOCK_SECTION_ID] => 4614
[TIMESTAMP_X] => 07/01/2024 10:37:51 am
[~TIMESTAMP_X] => 07/01/2024 10:37:51 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
)
[2] => Array
(
[ID] => 431019
[~ID] => 431019
[NAME] => Mortgage Loan Refinancing Procedure
[~NAME] => Mortgage Loan Refinancing Procedure
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => "The issuance of a loan for external refinancing, for mortgaged real estate encumbered by the pledgee, is carried out in accordance with the established procedure and in compliance with the following conditions:
1) in case of a positive decision on the Loan Application, the Bank shall, no later than the next business day, send a written notice to the pledgee of the decision taken, indicating the amount of the Loan and the conditions for its issuance;
2) if the amount of debt to the Pledgee exceeds the requested amount of the Loan, the client shall deposit the difference between the balance of the debt and the amount of the Loan into the current account. At the same time, the Borrower gives an obligation and the letter sent to the pledgee additionally indicates the requirement to repay the difference between the amount of the Loan and its debt to the Pledgee at the expense of the client's money, in connection with which, the obligation to the pledgee will be repaid in full;
3) the client provides a letter from the Pledgee to the Bank clarifying the amount of debt and the obligation to remove the encumbrance from the real estate after repayment of the debt;
4) the conclusion of the Loan and Pledge Agreements is carried out after receiving the relevant letter from the Pledgee;
5) if there is a spouse of the pledgor and/or co-owners of the encumbered real estate, notarial applications for collateral must be submitted in accordance with the established form;
6) the Loan is issued to the Pledgee's account after the registration of the subsequent pledge (re-pledge) of the real estate with the provision of a supporting document (the original extract from the authorized body for the registration of real estate);
7) the loan is transferred after the client transfers to the Bank's account the corresponding amount of the difference between the loan amount and the debt to the Pledgee, by transferring the entire amount to the account of the pledgee;
8) After receiving the amount of debt, the Pledgee must release the encumbrance from the collateral and transfer to the Bank the originals of the Title and Identification Documents for the Pledged Real Estate.
In case of a positive decision of the Authorized Body on the issuance of the Loan External refinancing for the Pledged Real Estate and, at the same time, there is a written refusal of the Pledgee for a subsequent pledge (re-pledge) and registration of the Real Estate Pledge Agreement with the authorized registering body and/or in the refinancing of the loan, the Bank shall notify the client of the refusal on the part of the Pledgee and the cancellation of its Loan Application. If necessary, the Bank shall issue a letter to the Pledgee."
[~PREVIEW_TEXT] => "The issuance of a loan for external refinancing, for mortgaged real estate encumbered by the pledgee, is carried out in accordance with the established procedure and in compliance with the following conditions:
1) in case of a positive decision on the Loan Application, the Bank shall, no later than the next business day, send a written notice to the pledgee of the decision taken, indicating the amount of the Loan and the conditions for its issuance;
2) if the amount of debt to the Pledgee exceeds the requested amount of the Loan, the client shall deposit the difference between the balance of the debt and the amount of the Loan into the current account. At the same time, the Borrower gives an obligation and the letter sent to the pledgee additionally indicates the requirement to repay the difference between the amount of the Loan and its debt to the Pledgee at the expense of the client's money, in connection with which, the obligation to the pledgee will be repaid in full;
3) the client provides a letter from the Pledgee to the Bank clarifying the amount of debt and the obligation to remove the encumbrance from the real estate after repayment of the debt;
4) the conclusion of the Loan and Pledge Agreements is carried out after receiving the relevant letter from the Pledgee;
5) if there is a spouse of the pledgor and/or co-owners of the encumbered real estate, notarial applications for collateral must be submitted in accordance with the established form;
6) the Loan is issued to the Pledgee's account after the registration of the subsequent pledge (re-pledge) of the real estate with the provision of a supporting document (the original extract from the authorized body for the registration of real estate);
7) the loan is transferred after the client transfers to the Bank's account the corresponding amount of the difference between the loan amount and the debt to the Pledgee, by transferring the entire amount to the account of the pledgee;
8) After receiving the amount of debt, the Pledgee must release the encumbrance from the collateral and transfer to the Bank the originals of the Title and Identification Documents for the Pledged Real Estate.
In case of a positive decision of the Authorized Body on the issuance of the Loan External refinancing for the Pledged Real Estate and, at the same time, there is a written refusal of the Pledgee for a subsequent pledge (re-pledge) and registration of the Real Estate Pledge Agreement with the authorized registering body and/or in the refinancing of the loan, the Bank shall notify the client of the refusal on the part of the Pledgee and the cancellation of its Loan Application. If necessary, the Bank shall issue a letter to the Pledgee."
[IBLOCK_SECTION_ID] => 4614
[~IBLOCK_SECTION_ID] => 4614
[TIMESTAMP_X] => 07/01/2024 10:42:34 am
[~TIMESTAMP_X] => 07/01/2024 10:42:34 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] => 431022
[~ID] => 431022
[NAME] => How can I calculate loan payments?
[~NAME] => How can I calculate loan payments?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => To make preliminary calculations on the loan, you can:
- use the loan calculator on the Bank's website;
- write to WhatsApp at +77059251301 and to the Otbasy bank Telegram channel (@ quanysh_bot account);
- call the Bank's Contact Center at 300;
- contact the Bank's branch manager.
[~PREVIEW_TEXT] => To make preliminary calculations on the loan, you can:
- use the loan calculator on the Bank's website;
- write to WhatsApp at +77059251301 and to the Otbasy bank Telegram channel (@ quanysh_bot account);
- call the Bank's Contact Center at 300;
- contact the Bank's branch manager.
[IBLOCK_SECTION_ID] => 4614
[~IBLOCK_SECTION_ID] => 4614
[TIMESTAMP_X] => 07/01/2024 10:43:06 am
[~TIMESTAMP_X] => 07/01/2024 10:43:06 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] => 431025
[~ID] => 431025
[NAME] => Is it possible to apply for a loan without proof of income?
[~NAME] => Is it possible to apply for a loan without proof of income?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => When making a housing loan, the solvency of the borrower is considered sufficient for any income. However, when applying for a housing loan, a purchased deposit was used, confirmation of solvency is required in accordance with the requirements of the Bank.
To issue an interim loan, proof of solvency is required.
[~PREVIEW_TEXT] => When making a housing loan, the solvency of the borrower is considered sufficient for any income. However, when applying for a housing loan, a purchased deposit was used, confirmation of solvency is required in accordance with the requirements of the Bank.
To issue an interim loan, proof of solvency is required.
[IBLOCK_SECTION_ID] => 4614
[~IBLOCK_SECTION_ID] => 4614
[TIMESTAMP_X] => 07/01/2024 10:43:38 am
[~TIMESTAMP_X] => 07/01/2024 10:43:38 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] => 431028
[~ID] => 431028
[NAME] => Is it possible to refinance the loan without collateral?
[~NAME] => Is it possible to refinance the loan without collateral?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => No, when refinancing a loan, the provision of collateral is mandatory
[~PREVIEW_TEXT] => No, when refinancing a loan, the provision of collateral is mandatory
[IBLOCK_SECTION_ID] => 4614
[~IBLOCK_SECTION_ID] => 4614
[TIMESTAMP_X] => 07/01/2024 10:44:03 am
[~TIMESTAMP_X] => 07/01/2024 10:44:03 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] => 431031
[~ID] => 431031
[NAME] => What documents are needed to apply for a loan refinancing?
[~NAME] => What documents are needed to apply for a loan refinancing?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => To obtain a loan for refinancing a loan, in addition to the standard package, it is necessary to provide a loan agreement for a refinanced loan and a repayment schedule.
You can get the full list of documents here.
[~PREVIEW_TEXT] => To obtain a loan for refinancing a loan, in addition to the standard package, it is necessary to provide a loan agreement for a refinanced loan and a repayment schedule.
You can get the full list of documents here.
[IBLOCK_SECTION_ID] => 4614
[~IBLOCK_SECTION_ID] => 4614
[TIMESTAMP_X] => 07/01/2024 10:44:32 am
[~TIMESTAMP_X] => 07/01/2024 10:44:32 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] => 431034
[~ID] => 431034
[NAME] => After what time will I need to confirm the intended use of the loan?
[~NAME] => After what time will I need to confirm the intended use of the loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => When refinancing a loan, confirmation of the purpose is carried out on the day of payment of the loan
[~PREVIEW_TEXT] => When refinancing a loan, confirmation of the purpose is carried out on the day of payment of the loan
[IBLOCK_SECTION_ID] => 4614
[~IBLOCK_SECTION_ID] => 4614
[TIMESTAMP_X] => 07/01/2024 10:44:58 am
[~TIMESTAMP_X] => 07/01/2024 10:44:58 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] => 431037
[~ID] => 431037
[NAME] => How can I confirm the intended use of the loan?
[~NAME] => How can I confirm the intended use of the loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => To confirm the intended use of the loan, the following documents must be provided:
1) a loan agreement with STB/Financial Institution, which must contain a reference to the fact that the loan was obtained for the purpose of improving housing conditions (purchase of housing, repairs, etc.) or a loan agreement concluded with another lender (legal entity) indicating a similar purpose of the loan, or an investment agreement, the subject of which should be the financing of housing construction;
2) a certificate of STB/Financial Institution or other lender (legal entity) on the availability and status of the borrower's debt as of the date preceding the date of issue of the loan;
3) documents confirming the use of the amount of the refinanced loan (loan) for measures to improve housing conditions, unless it directly follows from the title documents.
[~PREVIEW_TEXT] => To confirm the intended use of the loan, the following documents must be provided:
1) a loan agreement with STB/Financial Institution, which must contain a reference to the fact that the loan was obtained for the purpose of improving housing conditions (purchase of housing, repairs, etc.) or a loan agreement concluded with another lender (legal entity) indicating a similar purpose of the loan, or an investment agreement, the subject of which should be the financing of housing construction;
2) a certificate of STB/Financial Institution or other lender (legal entity) on the availability and status of the borrower's debt as of the date preceding the date of issue of the loan;
3) documents confirming the use of the amount of the refinanced loan (loan) for measures to improve housing conditions, unless it directly follows from the title documents.
[IBLOCK_SECTION_ID] => 4614
[~IBLOCK_SECTION_ID] => 4614
[TIMESTAMP_X] => 07/01/2024 10:45:26 am
[~TIMESTAMP_X] => 07/01/2024 10:45:26 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] => 431040
[~ID] => 431040
[NAME] => What if I can't confirm the intended use of the loan?
[~NAME] => What if I can't confirm the intended use of the loan?
[IBLOCK_ID] => 171
[~IBLOCK_ID] => 171
[PREVIEW_TEXT] => If you spent the borrowed funds not for the intended purpose, you will need to return the loan amount and pay a fine for misuse of the loan.
The penalty for misuse of the loan is 10% of the amount of misuse, as well as early repayment of the loan amount, for which the Bank has not been provided with full documents on the intended use within 30 calendar days from the date of receipt of the Bank's written request.
[~PREVIEW_TEXT] => If you spent the borrowed funds not for the intended purpose, you will need to return the loan amount and pay a fine for misuse of the loan.
The penalty for misuse of the loan is 10% of the amount of misuse, as well as early repayment of the loan amount, for which the Bank has not been provided with full documents on the intended use within 30 calendar days from the date of receipt of the Bank's written request.
[IBLOCK_SECTION_ID] => 4614
[~IBLOCK_SECTION_ID] => 4614
[TIMESTAMP_X] => 07/01/2024 10:45:56 am
[~TIMESTAMP_X] => 07/01/2024 10:45:56 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
)
)
)
[TOP_CUR_CAT] => Array
(
)
[CURRENT_SE_LIST] => Array
(
[4602] => Array
(
[NAME] => PROGRAM "WITH A DIPLOMA IN THE VILLAGE"
[ID] => 4602
[UF_LANG_SECTION] =>
)
[4605] => Array
(
[NAME] => PURCHASE OF HOUSING ON THE MARKET
[ID] => 4605
[UF_LANG_SECTION] =>
)
[4608] => Array
(
[NAME] => HOUSING REPAIRS
[ID] => 4608
[UF_LANG_SECTION] =>
)
[4611] => Array
(
[NAME] => HOUSING CONSTRUCTION
[ID] => 4611
[UF_LANG_SECTION] =>
)
[4614] => Array
(
[NAME] => MORTGAGE REFINANCING
[ID] => 4614
[UF_LANG_SECTION] =>
)
)
)
