Refinancing of housing mortgage loans/mortgage loans

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Refinancing of housing mortgage loans/mortgage loans

The purpose of the program

Terms

Repayment

All loans

The purpose of the Program

The NB RK Program

Terms of refinancing of housing mortgage loans (mortgage loans) issued in Eurasian Bank JSC in the period from 1 January 2004 to 31 December 2009:

Loan currency after refinancing

tenge

Outstanding principal amount

not more than 50, 000, 000 tenge*

Loan receipt period

from 1 January 2004 to 31 December 2009

Loan purpose

house-buying or consumer purposes

Collateral security

according to the requirements of the Program

Additional

Refinancing of loans before expiration of the Loan disbursement term is carried out in the following priority **:

— housing mortgage loans (mortgage loans) of borrowers from a socially vulnerable group;

— housing mortgage loans;

— mortgage loans

*As of 1 January 2015

** Priority is determined by date and time of receipt of applications from borrowers.

Terms of refinancing of housing mortgage loans (mortgage loans) issued in Eurasian Bank JSC in foreign currency before 1 January 2016:

Loan currency after refinancing

tenge

Outstanding principal amount

in foreign currency — equivalent in tenge

not more than 166, 165, 000 tenge *;

in tenge — not more than 166, 165, 000 tenge

Refinancing applies to

1) a housing mortgage loan (mortgage loan) issued in Eurasian Bank JSC before 1 January 2016, which is serviced in foreign currency at the time of application for loan refinancing;

2) a housing mortgage loan (mortgage loan), issued in foreign currency before 1 January 2016, which was refinanced to tenge under Chapter 4 Section 1 of the Program at the official exchange rate of the National Bank as of the refinancing date after 18 August 2015;

3) a housing mortgage loan (mortgage loan), issued in foreign currency before 1 January 2016, which was refinanced to tenge under internal programs in Eurasian Bank JSC after 18 August 2015;

4) a housing mortgage loan (mortgage loan), issued in foreign currency before 1 January 2016, on which a judicial act was issued

Interest rate

Interest rate on the refinanced loan is **:

— 12% per annum;

— for a borrower from a socially vulnerable group — 3% per annum;

— if the interest rate on the current bank loan agreement is less than 12% per annum, the interest rate is not subject to increase at loan refinancing

Additional

The loan is refinanced if the borrower / co-borrower submits an application for loan refinancing by 15 December 2020 including

* at the official exchange rate of the National Bank as of 1 January 2018

** AERR – from 3.1% per annum