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"Discounts season from BTA" offer
16.02.2011Dear Customers of BTA Bank!
If you want to obtain a loan at profitable rate or wish to reduce the amounts of payments on the loan obtained in the other bank, you must try our “Discounts season from BTA” offer! You have a great opportunity to obtain the loans of BTA Bank on the following programs until June 15: credit line, mortgage, automobile lending, express-credits and educational credits at a discount of up to 50%.
Borrowers of the other banks may transfer their credit to BTA and receive a discount:
of up to 2% per annum on mortgage loans and loans on property.
of up to 3% per annum on express-credits.
"LYUBIMAYA CREDIT LINE"
“Lyubimaya credit line" is a consumer’s credit issued for any purposes against security of immovable property. Peculiarity of this credit line lies in the fact that the client is given a long-term credit limit. The client may receive and repay any amounts to the extent of the limit an unlimited number of times.
| Nominal interest rate | from 15% per annum (calculated individually) | |
| Effective interest rate | from 15.78% per annum (calculated individually) | |
| Lending term | From 12 months | Until retirement age |
| Amount of tranche/line | from 75 000 tenge or 500 US dollars | up to 75% of pledge’s appraised value |
| Security | Residential or commercial property | |
| Initial deposit | Not required | |
| Income proof | Full or indirect | |
EXPRESS-CREDITS
With the help of express-credit you can buy new furniture or household appliances, pay for your education in higher educational institutions, take a rest abroad, celebrate an event, etc.
| Program | «Salary» | «Line» | «Alternative» |
|---|---|---|---|
| Currency of the loan | Tenge, US dollars | ||
| Term of the loan/line | 3 – 36 months | 3 – 60 months, Term of the tranche – 36 months | 3 – 36 months |
| Amount of the loan | 20 000 – 1 500 000 tenge or its equivalent in US dollars | ||
| Nominal interest rate | from 20% per annum (calculated individually) | from 13% per annum (calculated individually) | |
| Effective interest rate | from 26.06%* per annum (calculated individually) | from 30.03%** per annum (calculated individually) | |
* For the term of 36 months at the nominal rate of 20% per annum.
** For the term of 36 months at the nominal rate of 13% per annum.
"UNIVERSALNYI FAKULTET" EDUCAITONAL CREDIT
"Universalnyi fakultet" enables you to pay for full-time and distance education in colleges and higher educational institutions on the territory of the Republic of Kazakhstan and abroad under bachelor, master and doctor degree programs. Also there is a gestation period that lasts for 6 months after the end of educational period, during which a student is entitled not to repay a principal debt to the bank, paying only accrued interest.
| With "Garantiya" deposit | Without "Garantiya" deposit | |
|---|---|---|
| Nominal interest rate | from 8% per annum (calculated individually) | from 13% per annum (calculated individually) |
| Effective interest rate | from 11.23%* per annum (calculated individually) | from 14.19%* per annum (calculated individually) |
| Term of the loan | Up to 10 years | |
| Prepayment | Without moratoriums and penal sanctions | |
| Security | Guarantee of "Financial Center" JSC* from 50 to 100% in certain cases – immovable property of deposit in BTA Bank | |
* Only for education on the territory of the Republic of Kazakhstan.
LENDING FOR PURCHASING AN AUTOMOBILE
"Lending for purchasing an automobile" gives loans for purchasing either new or used car.
| Nominal interest rate | from 13.0% per annum (calculated individually) |
| Effective interest rate | from 15.0%* per annum (calculated individually) |
| Term of the loan | from 6 months to 7 years |
| Initial installment | from 20% to 35% |
| Security | Acquired automobile |