of August 28, 2025 No. 51
About approval of Rules of provision of the microcredits, disclosures of information and consideration by the organizations performing microfinancial activities, the addresses of the clients arising in the course of provision of the microcredits
According to Item 2 of article 17 of the Law of the Republic of Kazakhstan "About microfinancial activities" Board of the Agency of the Republic of Kazakhstan on regulation and development of the DECIDES: financial market
1. Approve the enclosed Rules of provision of the microcredits, disclosures of information and consideration by the organizations performing microfinancial activities, the addresses of the clients arising in the course of provision of the microcredits (further - Rules).
2. To provide to department of behavioural supervision in the procedure established by the legislation of the Republic of Kazakhstan:
1) together with Legal department state registration of this resolution in the Ministry of Justice of the Republic of Kazakhstan;
2) placement of this resolution on official Internet resource of the Agency of the Republic of Kazakhstan on regulation and development of the financial market after its official publication;
3) within ten working days after state registration of this resolution submission to Legal department of data on execution of the action provided by the subitem 2) of this Item.
3. To impose control of execution of this resolution on the supervising vice-chairman of the Agency of the Republic of Kazakhstan on regulation and development of the financial market.
4. This resolution is subject to official publication and becomes effective since August 31, 2025, except for subitems 4) and 5) of Item 5 of Rules which become effective since July 2, 2026.
The chairman of the Agency of the Republic of Kazakhstan on regulation and development of the financial market
M. Abylkasymova
Approved by the Resolution of Board of the Agency of the Republic of Kazakhstan on regulation and development of the financial market of August 28, 2025 No. 51
1. These rules of provision of the microcredits, disclosures of information and consideration by the organizations performing microfinancial activities, the addresses of the clients arising in the course of provision of the microcredits (further - Rules), are developed according to Item 2 of article 17 of the Law of the Republic of Kazakhstan "About microfinancial activities" (further - the Law) for the purpose of enhancement of system of provision of the microcredits, disclosure of information and determination of procedure for consideration by the organizations performing microfinancial activities, the addresses of the clients arising in the course of provision of the microcredits.
2. In Rules the concepts provided by the Law and also the following concept are used:
microfinancial services - implementation by the organizations performing microfinancial activities (further - the microfinancial organizations), activities for provision of the microcredits.
3. The microfinancial organization provides microfinancial services according to the Law, Rules, the resolution of Board of National Bank of the Republic of Kazakhstan of November 28, 2019 to No. 217 "About approval of Rules of provision of the microcredits by electronic method" (it is registered in the Register of state registration of regulatory legal acts at No. 19714), the resolution of Board of National Bank of the Republic of Kazakhstan of November 29, 2019 No. 232 "About approval of the Procedure for the conclusion of the agreement on provision of the microcredit, including requirements to content, execution of the agreement and its first page containing information on all-in cost of the microcredit (the overpayment amount on the microcredit, microcredit subject), to compulsory provisions of the agreement on provision of the microcredit, and also form of the repayment schedule of the microcredit", (it is registered in the Register of state registration of regulatory legal acts at No. 19697) (further - Rules No. 232), and also rules of provision of the microcredits.
4. Rules of provision of the microcredits are stated with observance of regulations of the literary language and terms of law, with disaggregation of the provided terms, contain the accurate and not subject to different interpretation sense.
5. The regulations of the microfinancial organization on operating procedure with clients provided by the subitem 11) of Item 1 of article 17 of the Law contain:
1) policy and procedures of observance of the rights and interests of clients;
2) procedures and the term of consideration of the application on provision of the microcredit by each type of the microcredit (in need of filing of application);
3) procedures of customer interaction by provision of the microcredits;
4) procedure for provision of services to persons with disability and to handicapped national groups taking into account requirements of the national standard for availability of departments of the financial organizations for provision of services to persons with disability and to other handicapped national groups;
5) features of provision of services to persons with disability and to handicapped national groups with participation of the authorized representative.
6. The microfinancial organization places in branches (their rooms), in the absence of branches - at the central office (in the place available to review and acquaintance) and on the Internet resource (in case of its availability) up-to-date information about rates and rates on the microcredits, with indication of data on approval dates and modification of effective rates and rates, numbers of internal documents and body, approved (accepted) them.
7. Distribution of advertizing about microfinancial services is performed according to requirements of the Law of the Republic of Kazakhstan "About advertizing" and the Law, including with the following requirements:
1) advertizing is reliable, distinguished without special knowledge or application of special means directly at the time of its representation;
2) in advertizing, except for advertizing on radio, are specified license number implementation of microfinancial activities and the name of the body which granted this license;
3) in case of distribution and (or) advertizing, containing information on sizes of rates of remuneration on the microcredit, including in case of its publication, the annual effective rate of remuneration numerically is specified, to form, identical by the size and style of registration of fonts, with other rates of remuneration. Specifying of annual effective rate of remuneration is not allowed by font, it is less used, when specifying other information in this advertizing.
The sizes of rate of remuneration and annual effective rate of remuneration by each type of the microcredit are specified taking into account the lower and upper range. The upper range of annual effective rate of remuneration is established taking into account the extreme size established by the joint resolution of Board of the Agency of the Republic of Kazakhstan on regulation and development of the financial market of August 16, 2024 No. 62 and the resolution of Board of National Bank of the Republic of Kazakhstan of August 19, 2024 No. 45 "About limiting determination of the sizes of annual effective rate of remuneration" (it is registered in the Register of state registration of regulatory legal acts at No. 34960);
4) advertizing of the microcredits, except for the advertizing placed on radio and television is provided with the accompanying message on responsibility of the borrower - physical person in case of default on obligations of the agreement on provision of the microcredit.
In the message information on the rights of the microfinancial organization, stipulated in Item the 5th article 9-2 of the Law is also specified.
Implementation of sending by the microfinancial organization in advertizing on Internet resource or mobile application of the microfinancial organization (is allowed in case of their availability) where information on the rights of the microfinancial organization and on responsibility of the borrower - physical person in case default on obligations of the agreement on provision of the microcredit will be placed.
8. By provision of the microcredit the microfinancial organization:
Provides 1) to the conclusion of the agreement on provision of the microcredit to the client:
information on conditions of provision of the microcredit and the list of necessary documents for the conclusion of the agreement on provision of the microcredit;
term of provision of the microcredit;
limiting amount of the microcredit;
the remuneration rate size in annual interests or in fixed amount, the remuneration rate size in reliable annual effective comparable basis (actual cost), and also the overpayment amount on the microcredit for date of the address of the client;
the sizes of the rates and other expenses connected with obtaining and servicing (repayment) of the microcredit for benefit of the microfinancial organization;
information on responsibility and possible customer risks in case of default on obligations of the agreement on provision of the microcredit;
information on responsibility of the pledger, the guarantor, the guarantor and the other person, being the agreement party about providing the microcredit;
consultations on the questions which arose at the client;
at the request of the client - the draft agreement about provision of the microcredit;
information on provision of the microcredit with condition of receipt of additional service, taking into account requirements, stipulated in Item 9 Rules, and about other agreements which will be signed by the client in connection with receipt of additional service, including data on availability of additional expenses;
2) in the terms established by rules of provision of the microcredits considers the application of the client for provision of the microcredit;
3) to the conclusion of the agreement on provision of the microcredit is provided to the client by the term determined by rules of provision of the microcredits for acquaintance with its conditions;
4) informs the client on its right of the address in case of disputable situations on the received microfinancial service in the microfinancial organization, to microfinancial ombudsman or in court. For this purpose information on the location, post, electronic addresses and Internet resources (in the presence) of the microfinancial organization, microfinancial ombudsman is provided to the client;
5) is provided by confidentiality of information provided by the client.
9. In case of the offer to the client of the additional service rendered by the microfinancial organization according to Item 1-2 of article 3 of the Law at additional expense, the microfinancial organization to the conclusion of the agreement on provision of the microcredit:
provides to the client complete and reliable information about content and cost of additional service (services);
explains to the client that provision of the microcredit does not depend on the consent of the client to receipt of additional service;
provides possibility of the free, conscious choice confirmed by the separate statement of the client on receipt of each additional service.
On provision of additional service contain in the statement:
the consent of the client to receipt of additional service, including to the conclusion of the agreement connected with receipt of such service;
name, content and cost of additional service;
information on the client's right to refusal of service and confirmation of the fact that the refusal does not attract refusal in the microcredit;
the choice of the client about inclusion of expenses on additional service in the amount of the microcredit or about their payment independently.
The microfinancial organization provides obtaining and storage of statements of the client on each provided additional service before complete execution by the client of agreement obligations about provision of the microcredit.
If the client in case of the conclusion of the agreement on provision of the microcredit chooses additional service in type of life insurance and (or) from accidents (on disease case), the client independently determines insurance company which services are intended to be acquired.
The list of the insurance companies offered by the microfinancial organization with the borrower's mark about the insurance company chosen by it is specified in the statement for provision of additional service.
10. Before decision making about provision of the microcredit the microfinancial organization performs the actions provided by Rules No. 232.
11. The microfinancial organization till 3 (three) working days from the date of adoption of the relevant decision according to the procedure, established by rules of provision of the microcredits, informs the client on issue or on refusal in issue of the microcredit with indication of causes of failure, the method provided by Rules.
12. During servicing of the agreement on provision of the microcredit the microfinancial organization for request of the client (borrower) or the pledger (with observance of the requirements to disclosure of mystery of provision of the microcredit provided by the Law) within 3 (three) working days from the date of receipt of request represents to it in writing or the method provided by the agreement on provision of the microcredit, the data about (about):
1) to amount of money, paid to the microfinancial organization;
2) overdue debt size (in the presence);
3) debt remaining balance;
4) sizes and terms of the next payments.
13. According to the statement of the client after complete debt repayment on the microcredit the microfinancial organization gratuitously in time no more than 3 (three) working days from the date of obtaining submits applications in writing or the method provided by the agreement on provision of the microcredit, the certificate of absence of debt.
14. According to the statement of the client the microfinancial organization submits no more than 3 (three) working days gratuitously not more often than 1 (one) time a month information in writing or the method provided by the agreement on provision of the microcredit, on distribution of the arriving money of the client (borrower) on account of debt repayment under the agreement on provision of the microcredit in time.
15. According to the statement of the client for partial or complete early return of the microfinancial organization of the money provided under the agreement on provision of the microcredit the microfinancial organization gratuitously in time no more than 3 (three) working days in writing or the method provided by the agreement on provision of the microcredit tells him the size of the amount which is due to return.
16. If it is provided by the agreement on provision of the microcredit, the microfinancial organization on periodic basis represents to the client of the data, stipulated in Item 12 Rules, the method provided by the agreement on provision of the microcredit.
17. The data provided in Items 12, of 13, of 14 and 15 Rules are represented with indication of the amount of principal debt, remuneration, penalty (penalty, penalty fee), and also other subjects to payment of the amounts.
18. In the presence of delay of obligation fulfillment under the agreement on provision of the microcredit the microfinancial organization notifies the borrower according to Item 1 of article 9-2 of the Law.
The notification on overdue debt availability on undertaken obligations directed at the place of residence (stay) of the borrower specified in the agreement on provision of the microcredit or reported by the borrower of the microfinancial organization by the method provided by the agreement on provision of the microcredit is drawn up in writing according to appendix 1 to Rules.
In the notification directed by means of the Sms, the push-notification or mobile application information provided in the subitem 1) of part one of Item 1 of article 9-2 of the Law, and also the reference to the information placed on Internet resource and (or) in mobile application of the microfinancial organization (in case of their availability), provided in appendix 2 to Rules is specified.
19. Interaction of the microfinancial organization with the borrower having overdue debt, and (or) his representative, and (or) the third party connected by obligations with the microfinancial organization within the agreement on provision of the microcredit is performed:
1) during the period from 8:00 till 21:00 o'clock on weekdays at the place of residence either the location of the borrower, or place of registration of the borrower, or in the microfinancial organization, no more than three weekly and no more once on weekday if other time, frequency and day (output and (or) festive) are not approved with the borrower;
2) no more than three times during the period from 8:00 till 21:00 o'clock on weekdays and no more than two times during the period from 9:00 till 19:00 in days off and holidays by means of telephone negotiations at the initiative of the microfinancial organization, including with use of appendices for making of calls to the Internet or the software for making of automatic voice informing, with the message in case of each interaction of the name of the organization, its location, surname, name, middle name (in case of its availability), positions of person who performs interaction.
Interaction of the microfinancial organization with the third party who is not person specified in paragraph one of this Item is allowed for the purpose of establishment of the location and (or) contact information of the borrower for settlement and (or) repayment of overdue debt by methods and during the period, provided by the subitem 2) of this Item, and also in case of the message of the name of the organization, its location, surname, name, middle name (in case of its availability), positions of person who performs interaction.
20. In case of the appeal of the borrower to the microfinancial organization with the written application about modification of terms of the contract, the microfinancial organization considers the offered terms of change of the agreement on the provision of the microcredit according to the procedure established by the resolution of Board of the Agency of the Republic of Kazakhstan on regulation and development of July 16, 2021 No. 82 "About approval of Rules of consideration of the application of the borrower - physical person about modification of terms of the contract about provision of the microcredit, the list of the documents attached to it and also procedure for informing authorized body on results of consideration of the application by the organization performing microfinancial activities" (it is registered in the Register of state registration of regulatory legal acts at No. 23630).
21. If the agreement on provision of the microcredit provides the right of the microfinancial organization to transfer to the third party of the right (requirement) for the agreement on provision of the microcredit (to the contract of assignment of the right (requirement), the microfinancial organization:
1) to the conclusion of the contract of assignment of the right (requirement) notifies the borrower - physical person under the agreement on provision of the microcredit which is not connected with implementation of business activity on the planned concession of the rights (requirements) of the microfinancial organization for the third party specified to the agreement on provision of the microcredit, and also on processing (transfer) of personal data of the borrower in connection with such concession by the method provided by the agreement on provision of the microcredit and also through the objects of informatization giving to the microfinancial organization opportunity to perform identification of the client - physical person by means of application of the identification means provided by the Law of the Republic of Kazakhstan "About payments and payment systems" (further - objects of informatization);
2) notifies the borrower (or his authorized representative) on the taken place transition of the rights (requirements) for the agreement on provision of the microcredit to the third party by the method provided by the agreement on provision of the microcredit and also through objects of informatization within thirty calendar days from the date of the conclusion of the contract of assignment with indication of need of implementation of further payments under the agreement on provision of the microcredit to the third party (the name, the location and bank details of person to which the rights (requirement) for the agreement on provision of the microcredit are yielded, or in case of assignment of rights (requirements) for the agreement on provision of the microcredit in trust management - service company), amount of the transferred rights (requirements) for the agreement on provision of the microcredit, the size and structure of debt on the agreement on provision of the microcredit (principal debt, remuneration, the commissions, penalty (penalty, penalty fee)) and other subjects to payment of the amounts.
22. Consideration of addresses of clients of the microfinancial organization by the microfinancial organization is performed according to the procedure, established by Rules.
23. The microfinancial organization carries out work with the following addresses of clients:
1) the written addresses which arrived purposely, mail service on e-mail and objects of informatization of the microfinancial organization;
2) the oral addresses which arrived by phone and in case of direct visit by the client of the microfinancial organization.
24. Written addresses of clients are registered in the magazine of registration of written addresses containing details according to internal documents of the microfinancial organization.
25. The document confirming acceptance of its written address on paper, arrived purposely is issued to the client, or the corresponding mark in the copy of the address becomes. The refusal in acceptance of addresses is not allowed.
26. The addresses of clients arriving through objects of informatization of the microfinancial organization including through Internet resource or mobile application (in the presence) are registered according to the procedure, provided by internal documents of the microfinancial organization. For these purposes in objects of informatization, including the Internet resource or is (in the presence) provided the functionality which is easily identified by the client for submission of the address in mobile application.
27. Addresses of clients by phone are registered. Record of telephone conversations with the client is made from its consent under advice on it at the beginning of the conversation.
28. The addresses which arrived in the microfinancial organization in oral form (by phone or in case of personal visit by the client of the microfinancial organization), are considered without delay and if there is such opportunity, then the answer to the oral address of the client is submitted directly. If the oral address cannot be authorized without delay, it is stated by the client in writing, and with it work as with the written address is conducted. The client is informed on necessary procedures for receipt of the answer and on terms of consideration of such addresses.
29. The microfinancial organization by consideration of the address in case of insufficiency of the provided information requests additional documents and data from the client.
30. The term of consideration of the address of the client constitutes no more than 15 (fifteen) working days from the date of receipt of the appeal to the microfinancial organization.
In case of need establishments of the actual circumstances important for the correct consideration of the address, the term of consideration of the address is prolonged for 15 (fifteen) working days according to the written decision of the body of the microfinancial organization authorized on adoption of this sort of decisions. The client is informed on prolongation of term within 3 (three) working days from the date of prolongation of term of consideration of the address.
31. The microfinancial organization provides objective, comprehensive and timely consideration of appeals of physical persons and legal entities, informs clients on results of consideration of their addresses and the taken measures.
The written answer is given to the client about results of consideration of the address in Kazakh or in language of the address and contains sound and motivated arguments on each request stated by the client, the requirement, the petition, the recommendation and other question with reference to the relevant standards of the legislation of the Republic of Kazakhstan, internal documents of the microfinancial organization, the contracts concerning case in point and also for the actual circumstances of case in point with explanation of the right of the client to appeal of the made decision.
32. In case of justification and legitimacy of the address of the client the microfinancial organization makes the decision on elimination of violation and recovery of the rights and legitimate interests of the client.
33. The answer to the written address is signed by the authorized person of the microfinancial organization.
Use of means of facsimile copying of the signature or the different way provided by internal regulating documents of the microfinancial organization is allowed.
Signing by the authorized person of the microfinancial organization of the answer to the written address directed by the methods provided by paragraphs to the third, fourth and fifth part two of Item 34 of Rules is not required.
34. Transfer to the client of the answer to the written address is made by the method provided by the agreement on provision of the microcredit.
The answer is considered delivered if it is sent to the client:
at the place of residence specified in the agreement on provision of the microcredit or the address of the client, the registered mail with the notification on its delivery including it is received by one of full age members of the family of the borrower living to the specified address;
on the e-mail address specified in the agreement on provision of the microcredit or the address of the client;
by sending text Sms or the push-notification with the answer or with reference to the Internet resource containing the complete text of the answer to the client;
with use of other means of communication provided by the agreement on provision of the microcredit, providing fixation the answer by the client.
In case of the client's appearance (his authorized representative) in the microfinancial organization the answer is handed under list personally in hands about what the mark in the magazine of registration of written addresses, except for the answer delivered by the methods provided by this Item becomes.
In case of return of the answer with mark about impossibility of its delivery to the addressee, the receiver, or in connection with refusal in its acceptance, the answer is considered transferred properly.
35. Policy and procedures of observance of the rights and interests of clients of the microfinancial organization include, but without being limited to the following:
1) standards of behavior of employees of the microfinancial organization and authorized agents by provision of the microcredits;
2) procedures of provision of the microcredits and the list of information which is subject to disclosure at all stages of interaction;
3) requirements to qualification of the employees of the microfinancial organization who are directly interacting with clients;
4) procedures of identification and prevention unfair the practician by provision of the microcredits;
5) structure, tasks, functions and powers of the officials, divisions and employees of the microfinancial organization participating in decision making process according to addresses and compensations of damage to clients;
6) procedures of consideration and decision making for addresses, including for statements on change of terms of the contract of provision of the microcredit with indication of terms at each stage of consideration.
36. Realization of policy and the procedures specified in Item 35 of Rules and also providing the rights and interests of clients - physical persons is performed, including by means of activities of structural division of the microfinancial organization (except for credit partnerships and pawnshops), independent of activities of other structural divisions, or assignment of the corresponding functions on the responsible official having necessary powers.
Treat functions of the specified division (official):
1) implementation of monitoring of observance by workers of policy and procedures of observance of the rights and interests of clients of the microfinancial organization according to the Law by carrying out test purchases of processes of provision of the microcredits according to the procedure, established by internal documents of the microfinancial organization;
2) approval of internal procedure for adoption of credit decisions on settlement of debt of physical persons;
3) risk analysis for consumers in case of approval of conditions of the microcredits;
4) analysis practician of promotion and advertizing of the microcredits;
5) efficiency evaluation of processes of consideration of addresses, including statements for modification of terms of the contract for provision of the microcredit, channels for submission of addresses, including on Internet resource and in mobile application, and also development of offers on increase in their quality;
6) carrying out quantitative and qualitative analysis of addresses on the microcredits for the purpose of:
identifications of the reasons of the address;
estimates of key risks for clients;
quality evaluations of servicing and conditions of provision of the microcredits;
identifications of system problems in processes of provision of the microcredits;
7) development of offers on improvement of quality and channels of provision of the microcredits;
8) introduction to management of the microfinancial organization of offers on necessary measures for elimination of the revealed violations concerning all consumers of this microfinancial service and preventive measures for non-admission of such violations in activities of the microfinancial organization;
9) monitoring of execution by the microfinancial organization of annual operational plans and efficiency evaluation of the taken measures by the microfinancial organization for decrease in level of problem loans of physical persons;
10) informing persons (divisions, bodies of the microfinancial organization) determined in the relevant internal documents of the microfinancial organization for decision making, including without limitation, by the following questions:
the revealed shortcomings in case of development, promotion, advertizing of the microcredits;
violations of procedures of customer service and disclosure of information;
shortcomings of crediting process;
shortcomings of processes of management of troubled assets;
shortcomings of processes of consideration of addresses, including statements on change of terms of the contract for provision of the microcredit and compensation of damage;
11) monitoring of execution of solutions of microfinancial ombudsman;
12) provision of the management reporting to the first head and members of executive body (joint or individual) microfinancial organization for observance of the rights and interests of clients of the microfinancial organization;
13) ensuring operational interaction concerning observance of the rights and interests of clients of the microfinancial organization with authorized body on regulation, control and supervision of the financial market and the financial organizations.
to Rules of provision of the microcredits, disclosures of information and consideration by the organizations performing microfinancial activities, the addresses of the clients arising in the course of provision of the microcredits
Full name (name) and residences (location) of the borrower date of forming of the notification (day, month, year)
The notification on overdue debt availability on undertaken obligations
Present ________________________________________________ (further - the microfinancial organization) notifies you on availability of overdue debt and need of introduction of payments under the Agreement on provision of the microcredit No. __________________, signed with you _______ years (further - the Agreement).
In this connection as of __________ years:
1. Your overdue debt under the Agreement constitutes ______, including:
1) on principal debt - ______________;
2) on remuneration - _____________;
2. in accordance with the terms of the Agreement to you the penalty (penalty, penalty fee) for violation of obligations by you on return of principal debt and (or) payment of remuneration which constitutes __________________ is added.
Total, the amount of your debt on the Contract for the specified date (including penalty (penalty, penalty fee)) constitutes __________________ which you need to extinguish, taking into account the remuneration and penalty (penalty, penalty fee) added before repayment day of debt on the Agreement.
You have the right within thirty calendar days from the date of approach of delay of obligation fulfillment under the Agreement to visit the microfinancial organization and (or) to provide in writing, and also through objects of informatization or the method provided by the Agreement, the statement containing data on obligation fulfillment delay origins, the income and other confirmed circumstances (facts) which cause your statement for modification of terms of the contract according to Item 2 of article 9-2 of the Law of the Republic of Kazakhstan "About microfinancial activities" (further - the Law).
At the same time within fifteen calendar days after day of receipt of your statement, stipulated in Item 2 articles 9-2 of the Law, the microfinancial organization will consider the changes offered by you in terms of the contract and in writing, and also through the objects of informatization giving to the microfinancial organization opportunity to perform identification of the borrower by means of application of the identification means provided by the Law of the Republic of Kazakhstan "About payments and payment systems" or the method provided by the Agreement will report you about (about):
1) consent with the offered changes in terms of the contract;
2) counter offers on change of terms of the contract;
3) refusal in change of terms of the contract with indication of motivated reasons for the reasons of such refusal.
You have the right within fifteen calendar days from the date of receipt of the decision of the microfinancial organization on refusal in change of terms of the contract or within thirty calendar days in case of not achievement of the mutually acceptable decision on change of terms of the contract, to address microfinancial ombudsman with the simultaneous notification of the microfinancial organization.
In case of dissatisfaction you requirements of the microfinancial organization about need of introduction of payments for the Agreement, including overdue debt, and also not realization by you (if you physical person) it is right, stipulated in Item 2 articles 9-2 of the Law, or lack of consent between you (if you physical person) and the microfinancial organization for change of terms of the contract, then according to Item 5 of article 9-2 of the Law the microfinancial organization has the right to apply to you measures, stipulated by the legislation the Republic of Kazakhstan and (or) the Agreement, including without limitation, to transfer debt to pre-judicial collection and settlement to the collection agency (in case of availability of such right of the microfinancial organization in the Agreement), to yield the right (requirement) for the Agreement to person specified in article 9-1 of the Law, to appeal with the claim to court for collection of amount of debt under the Agreement, and also to turn collection on pledged property extrajudicially, except as specified, provided by the Law of the Republic of Kazakhstan "About mortgage of real estate", or judicially.
Authorized person of the microfinancial organization
Surname, Name, Middle name (in the presence) (signature)
Phone number for receipt of consultation
to Rules of provision of the microcredits, disclosures of information and consideration by the organizations performing microfinancial activities, the addresses of the clients arising in the course of provision of the microcredits
Full name (name) and residences (location) of the borrower date of forming of the notification (day, month, year)
Information placed on Internet resource and (or) in mobile application of the microfinancial organization
If the borrower is physical person, he has the right within thirty calendar days from the date of approach of delay of obligation fulfillment under the agreement on provision of the microcredit (further - the Agreement) to visit the microfinancial organization and (or) to provide in writing, and also through the objects of informatization giving to the microfinancial organization opportunity to perform identification of the borrower by means of application of the identification means provided by the Law of the Republic of Kazakhstan "About payments and payment systems" or the method provided by the Agreement, the statement containing data on origins of delay of obligation fulfillment under the Agreement, the income and other confirmed circumstances (facts) which cause its statement for modification of terms of the contract according to Item 2 of article 9-2 of the Law of the Republic of Kazakhstan "About microfinancial activities" (further - the Law).
At the same time within fifteen calendar days after day of receipt of the statement of the borrower - physical person, stipulated in Item 2 articles 9-2 of the Law, the microfinancial organization considers offered by the borrower - physical person of change in terms of the contract and in writing, and also through objects of informatization or the method provided by the Agreement reports the borrower - physical person about (about):
1) consent with the offered changes in terms of the contract;
2) counter offers on change of terms of the contract;
3) refusal in change of terms of the contract with indication of motivated reasons for the reasons of such refusal.
The borrower - physical person within fifteen calendar days from the date of receipt of the decision of the microfinancial organization on refusal in change of terms of the contract or within thirty calendar days in case of not achievement of the mutually acceptable decision on change of the terms of the contract having the right to address microfinancial ombudsman with the simultaneous notification of the microfinancial organization.
In dissatisfaction cases the borrower of the requirement of the microfinancial organization about need of introduction of payments for the Agreement, including overdue debt, and also not realization by the borrower - physical person of the rights, stipulated in Item 2 articles 9-2 of the Law, or lack of consent between the borrower - physical person and the microfinancial organization for change of terms of the contract, according to Item 5 of article 9-2 of the Law the microfinancial organization has the right to apply to the borrower of measure, stipulated by the legislation the Republic of Kazakhstan and (or) the Agreement, including without limitation, to transfer debt to pre-judicial collection and settlement to the collection agency (in case of availability of such right of the microfinancial organization in the Agreement), to yield the right (requirement) for the Agreement to person specified in article 9-1 of the Law, to appeal with the claim to court for collection of amount of debt under the Agreement, and also to turn collection on pledged property extrajudicially, except as specified, provided by the Law of the Republic of Kazakhstan "About mortgage of real estate", or judicially.
The microfinancial organization makes the decision on consent with the offered changes in terms of the contract on provision of the microcredit for term at least three months in case of filing of application about modification of terms of the contract about provision of the microcredit, provided by subitem 1-1) and (or) the subitem 2) of part one of Item 2 of article 9-2 of the Law, the borrower - physical person:
1) belonging to socially vulnerable segments of the population according to the Law of the Republic of Kazakhstan "About the housing relations";
2) injured with the circumstances which formed the basis for introduction of emergency state.
The decision on consent with the offered changes in terms of the contract about provision of the microcredit concluded with the borrower - the physical person specified in the subitem 1) to part two of Item 3 of article 9-2 of the Law is accepted on condition of decrease in the average monthly income of the borrower calculated in two months preceding month of the address of the borrower with the statement, more than for thirty percent on comparison with the average monthly income of the borrower calculated in twelve months preceding month of the address of the borrower with the statement or purposes of the address public assistance.
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