Deposits HCSBK can be assigned to the third parties
2 July 2018
Investors of House Construction Savings Bank (the affiliated organization of Bayterek holding) can sell the deposits. This service became available with start of absolutely new service - online concessions. This option appeared in Internet banking of "HCSB 24".
It is possible to offer for sale deposits with accumulating term at least 1 year. Only once it is allowed to sell (to assign) a deposit.
- Since the beginning of year in House Construction Savings Bank accounts were opened by more than 83 000 Kazakhstan citizens. If they regularly do accumulatings and will fulfill requirements of bank - it is the minimum term of accumulating three years and achievement of an estimative indicator to value 16, then will obtain a housing loan at the rate of 5%. And in bank there are enough such clients who practically reached a housing loan, but owing to the arisen contingencies decided to terminate ahead of schedule the agreement and to remove accumulatings. In this case they just very much need new service – an online concession. People interested to purchase the account with the good term of accumulating and the amount on a contribution will be much. Then they shouldn't wait long and already in the nearest future they will be able to obtain a housing loan under low interest, - the chairman of the board of House Construction Savings Bank Lyazzat Ibragimova explained.
Now the assignment of deposits is resolved only close relatives. The bank prohibited to sell agreements to the third parties in due time to exclude speculation among investors and not to break an order of acquisition of apartments within state programs. In case of development and start of an online concession, in bank this moment was considered. By means of the accounts purchased by a new method it will be possible to purchase housing only in the commercial market. It will be forbidden to participate in state programs with such deposits. Therefore, the interests of investors which independently and honesty save to receive social housing on preferential terms will be protected.
New service for sale of deposits will be the most transparent and anonymous. In practice it will look so - the seller of a deposit publishes the announcement of sale of the account in Internet banking of "HCSB 24" and specifies original cost. It shan't exceed 20% of the total amount of all savings on the sold account. For example, if the bank depositor has on a deposit of a saving in 1 million tenges, then the maximum price which he will be able to appoint for it is 1 200 000 tenges.
The potential buyer, for participation in the biddings, brings by means of online payment the guarantee fee in the amount of 20 000 tenges. This some kind of confirmation of gravity of intentions of the investor. Then the buyer, having seen the announcement which interested him, submits the application with indication of the price at which he is ready to purchase this or that deposit. The step of increase in the price constitutes 20 000 tenges. A maximum amount which the buyer – 100% of the accumulating amount can offer.
It is possible to offer for sale deposits with accumulating term at least 1 year. Only once it is allowed to sell (to assign) a deposit.
- Since the beginning of year in House Construction Savings Bank accounts were opened by more than 83 000 Kazakhstan citizens. If they regularly do accumulatings and will fulfill requirements of bank - it is the minimum term of accumulating three years and achievement of an estimative indicator to value 16, then will obtain a housing loan at the rate of 5%. And in bank there are enough such clients who practically reached a housing loan, but owing to the arisen contingencies decided to terminate ahead of schedule the agreement and to remove accumulatings. In this case they just very much need new service – an online concession. People interested to purchase the account with the good term of accumulating and the amount on a contribution will be much. Then they shouldn't wait long and already in the nearest future they will be able to obtain a housing loan under low interest, - the chairman of the board of House Construction Savings Bank Lyazzat Ibragimova explained.
Now the assignment of deposits is resolved only close relatives. The bank prohibited to sell agreements to the third parties in due time to exclude speculation among investors and not to break an order of acquisition of apartments within state programs. In case of development and start of an online concession, in bank this moment was considered. By means of the accounts purchased by a new method it will be possible to purchase housing only in the commercial market. It will be forbidden to participate in state programs with such deposits. Therefore, the interests of investors which independently and honesty save to receive social housing on preferential terms will be protected.
New service for sale of deposits will be the most transparent and anonymous. In practice it will look so - the seller of a deposit publishes the announcement of sale of the account in Internet banking of "HCSB 24" and specifies original cost. It shan't exceed 20% of the total amount of all savings on the sold account. For example, if the bank depositor has on a deposit of a saving in 1 million tenges, then the maximum price which he will be able to appoint for it is 1 200 000 tenges.
The potential buyer, for participation in the biddings, brings by means of online payment the guarantee fee in the amount of 20 000 tenges. This some kind of confirmation of gravity of intentions of the investor. Then the buyer, having seen the announcement which interested him, submits the application with indication of the price at which he is ready to purchase this or that deposit. The step of increase in the price constitutes 20 000 tenges. A maximum amount which the buyer – 100% of the accumulating amount can offer.
