Loan secured by residential or commercial real estate

This program provides financial support through the provision of commercial real estate as collateral. During the term of the loan, you can manage it!

Terms of providing a micro-loan

Early repayment of the loan is provided after one month without penalties.

Loan collateral

Only residential and commercial real estate located within the city of Shymkent, as well as at the discretion of the MFO Management, are accepted as collateral.

Land plots located in such areas of the city as:

Saule MD, Kazbakaleytorg district, md. Azat. Chapaevka district, Kurskaya district, Zelenaya Balka district, Kainar-bulak dacha massif, Boz-aryk, etc. Note: Land plots received by the decision of the Legalization Commission are not accepted as collateral.

List of basic documents required for obtaining a loan

For individuals

1. Identity card of the borrower (spouse, mortgagor, if necessary, co-borrower).
2. Documents confirming marital status (certificate of marriage or divorce, death certificate)
3. Documents confirming the ownership of the collateral (purchase and sale agreement, privatization, donation and Akim s decision, etc.).
4. Updated state Act on the ownership of the land plot (information sheet- appendix to the state act).
5. Situational plan (land committee).
6. Technical passport.
7. Address register.
8. Certificate of absence of encumbrance on the land plot.

Provided after approval:

• The consent of the spouse to the pledge and out-of-court implementation or a statement on the absence of marriage at the time of the acquisition of the collateral.

For legal entities

1. Constituent documents: Charter, Certificate of state registration, Statistical card, BIN, Constituent Agreement
2. Identity cards: the founders of the company, the first head, the accountant.
3. Certificates from the place of residence of the founders, the first head
4. Signature samples (notarized)
5. Decision or minutes of the general meeting on applying for a micro-loan.
6. The decision or minutes of the general meeting on the setting as collateral of real estate and the extrajudicial sale of real estate.
7. The decision or minutes of the general meeting on granting the authority to register the pledge agreement.
8. Certificate from servicing banks on the absence of debt (original)
9. Certificate from the Tax Committee on the presence/absence of debt to the budget
10. Situational plan.
11. License (if the activity is licensed)
12. Financial statements (Balance Sheet, OPI, Transcripts, List of operating systems, DDS) for the last 6 months.
13. Documents confirming the ownership of the collateral
14. Certificate of the presence/absence of encumbrances on immovable property

For individual entrepreneurs

1. Identity card of the borrower (spouse, mortgagor, if necessary, co-borrower).
2. Certificate of an Individual entrepreneur.
3. Documents confirming marital status (certificate of marriage or divorce, death certificate, etc.).
4. Documents confirming the ownership of the collateral (purchase and sale agreement, privatization, donation and Akim s decision, etc.).
5. Updated state Act on the ownership of the land plot (information sheet-appendix to state act).
6. Situational plan (land committee).
7. Certificate of absence of encumbrance on immovable property
8. Certificate from servicing banks on the absence of debt (original)
9. Certificate from the Tax Committee on the presence/absence of debt to the budget
10. License (if the activity is licensed)
11. Financial statements (Balance Sheet, OPI, Transcripts, List of operating systems, DDS) for the last 6 months;

After the adoption of a positive decision by the Management of the MFO:

The consent of the spouse to the pledge and out-of-court implementation or a statement on the absence of marriage at the time of the acquisition of the collateral.

To consider the application, you must have the originals of all documents with you.

Additional information

The procedure for obtaining a loan

1. Consultation
2. Property inspection, application
3. Evaluation in the relevant appraisal company
4. Order of the Management of the MFO
5. Conclusion of a loan agreement, pledge
6. Notarization of the power of attorney
7. Registration of Contracts in the PSC
8. Obtaining a certificate of arrest of an MFO
9. Loan issuance

Term of loan issuance: The term of loan issuance after the registration of Contracts:2 days!