«Arnau» deposit for a child
the Assessment Index (AI) of 48. And then the owner of the deposit can apply for a housing loan for the purchase of
housing at a rate of 2% per annum.
or older.
The deposit is insured by the Kazakhstan Deposit Insurance Fund.
The maximum guarantee amount is:
• For deposits in the national currency (current accounts, term deposits), excluding savings deposits – no more than 10 million tenge;
• For cards, accounts, and deposits in foreign currency (in equivalent at the exchange rate set on the date the participating bank loses its license) – no more than 5 million tenge.
If a customer holds multiple deposits in different types and currencies at the Bank, the combined balance across all deposits is guaranteed, but not exceeding the maximum guaranteed compensation amount of 20 million tenge, considering the limits for each type of deposit.
* Dividing the deposit on the «Arnau» deposit is allowed only:
- when the right of ownership arises by inheritance;
- by a court decision that has entered into legal force;
however, the successor will not benefit from the preferential terms of the Arnau deposit
| Terms and Conditions | Family package mother+child (2 standard deposits) | Arnau Deposit | |
|---|---|---|---|
| Savings period | 10 years | 10 years | |
| Contractual amount | 10 million | 10 million | |
| Number of savings | Family (mother, child) | Child | |
| Monthly fee | 19 000 | 19 000 | 38 000 |
| State Bonus | 512 900 | 512 900 | 1 010 297 |
| Savings | 3 077 400 | 3 077 400 | 6 139 116 |
| Total amount of savings | 6 154 800 | 6 139 116 | |
| Loan amount | 3 845 200 | 3 860 884 | |
| Lending rate | 3,5% | 2% | |
| Loan term | 10 лет | 10 лет | |
| Monthly repayment | 38 024 | 35 525 | |
| Overpayment | 717 631 | 402 155 | |
