Resolution of Board of the Agency of the Republic of Kazakhstan on regulation and development of the "About Modification and Amendments in Some Regulatory Legal Acts of the Republic of Kazakhstan concerning Banking and Microfinancial Activities" financial market

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. 46

About modification and amendments in some regulatory legal acts of the Republic of Kazakhstan concerning banking and microfinancial activities

Board of the Agency of the Republic of Kazakhstan on regulation and development of the DECIDES: financial market

1. Approve the List of regulatory legal acts of the Republic of Kazakhstan concerning banking and microfinancial activities to which changes and additions are made, according to appendix to this resolution (further - the List).

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.

4. 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.

5. This resolution is subject to official publication and becomes effective since August 31, 2025, except for Item 1 of the List, Item 12 of Appendix 1 to the List and Item 10 of Appendix 2 to the List which become effective since September 30, 2025.

The chairman of the Agency of the Republic of Kazakhstan on regulation and development of the financial market

M. Abylkasymova

It is approved

Ministry of digital development, innovations and aerospace industry of the Republic of Kazakhstan

Appendix

to 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. 46

The list of regulatory legal acts of the Republic of Kazakhstan concerning banking and microfinancial activities to which changes and additions are made

1. Bring in the resolution of Board of National Bank of the Republic of Kazakhstan of November 12, 2019 No. 188 "About approval of Rules of forming of risk management system and internal control for banks of the second level, branches of nonresident banks of the Republic of Kazakhstan" (it is registered in the Register of state registration of regulatory legal acts at No. 19632) the following change and amendment:

7) of Item 123 to state the subitem in the following edition:

"7) developments of measures of risk minimization of fraud, including by provision to the borrower by means of the Internet within one calendar day of several consumer loans which are not provided with pledge of property which amount as a result of addition exceeds the minimum size determined by the resolution of Board of National Bank of the Republic of Kazakhstan of December 23, 2019 No. 248 "About approval of Rules of the conclusion of the agreement of bank loan, including requirements to content, registration, compulsory provisions of the agreement of bank loan, forms of the repayment schedule of loan and the instruction sheet for the borrower - physical person" (it is registered in the Register of state registration of regulatory legal acts at No. 19774);";

4) of Item 124 to add the subitem with the paragraph the fifth the following content:

"observance of the requirement provided by part six of Item 5-2 of article 34 of the Law on banks including in the case provided by the subitem 7) of Item 123 of Rules and also acceptance of other measures according to Rules;".

2. Bring in 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) the following changes:

state preamble in the following edition:

"According to Item 3 of article 4 of the Law of the Republic of Kazakhstan "About microfinancial activities" the Board of National Bank of the Republic of Kazakhstan DECIDES:";

To state the procedure for the conclusion of the agreement on provision of the microcredit approved by the specified resolution in edition according to appendix 1 to this List;

in 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, approved by the specified resolution:

to exclude paragraph two of Item 13.

3. Bring in the resolution of Board of National Bank of the Republic of Kazakhstan of December 23, 2019 No. 248 "About approval of Rules of the conclusion of the agreement of bank loan, including requirements to content, registration, compulsory provisions of the agreement of bank loan, forms of the repayment schedule of loan and the instruction sheet for the borrower - physical person" (it is registered in the Register of state registration of regulatory legal acts at No. 19774) the following changes and amendments:

state heading in the following edition:

"About approval of the Procedure for the conclusion of the agreement of bank loan, including requirements to content, registration, compulsory provisions of the agreement of bank loan, forms of the repayment schedule of loan and the instruction sheet for the borrower - physical person";

state preamble in the following edition:

"According to Item 2 of article 34 of the Law of the Republic of Kazakhstan "About banks and banking activity in the Republic of Kazakhstan" the Board of National Bank of the Republic of Kazakhstan DECIDES:";

1) of Item 1 to state the subitem in the following edition:

"1) the Procedure for the conclusion of the agreement of bank loan according to appendix 1 to this resolution;";

To state the procedure for the conclusion of the agreement of bank loan approved by the specified resolution in edition according to appendix 2 to this List;

in the Requirements to content, registration, compulsory provisions of the agreement of bank loan approved by the specified resolution:

state Item 1 in the following edition:

"1. These Requirements to content, registration, compulsory provisions of the agreement of bank loan (further - Requirements) are developed according to Item 2 of article 34 of the Law of the Republic of Kazakhstan "About banks and banking activity in the Republic of Kazakhstan" and determine requirements to content, registration, compulsory provisions of the agreement of the bank loan (further - the agreement) concluded by banks of the second level (further - bank).".

add with Items 1-1 and 1-2 of the following content:

"1-1. For the purposes of Requirements the following concepts are used:

1) credit line - the obligation of bank to credit the borrower on the conditions allowing the borrower most to determine time of receipt of bank loan, but within the amount and time determined by rules about domestic credit policy of bank for such form of crediting and the agreement on provision (opening) of credit line;

2) the agreement on provision (opening) of credit line - the agreement signed on the conditions allowing the borrower most to determine in the agreement (agreements) or the statement (statements), being (being) integral (integral) part (parts) of the agreement on provision (opening) of credit line, or by use of payment card, the amount and time of receipt of loan.

1-2. The agreement contains the conditions established by the legislation of the Republic of Kazakhstan for agreements of the corresponding type, the conditions determined by agreement of the parties and also compulsory provisions according to the following list:

1) general terms of the agreement;

2) borrower's rights;

3) rights of bank;

4) obligations of bank;

5) restrictions for bank;

6) responsibility of the parties for violation of obligations;

7) procedure for modification of terms of the contract;

8) the condition providing that in case of concession bank of the right (requirement) for the agreement to the third party of the requirement and restriction, shown by the legislation of the Republic of Kazakhstan to the creditor's relations with the borrower within the agreement, extend to legal relationship of the borrower with the third party to whom the right (requirement) is yielded.";

the second the subitem 8) of Item 3 to state part in the following edition:

"The agreement signed with physical person contains the borrower's right to address in writing the banking ombudsman according to the Law on banks for settlement of the disagreements which arose from the signed agreement.";

the paragraph one of part one of the subitem 5) of Item 5 to state in the following edition:

"5) in the presence of obligation fulfillment delay, but no later than ten calendar days from the date of its approach to notify the borrower by method and in the terms provided in the agreement:".

4. Bring in the resolution of Board of the Agency of the Republic of Kazakhstan on regulation and development of the financial market of August 16, 2024 No. 53 "About approval of Rules of election, early termination and implementation of activities of the banking ombudsman" (the following amendment is registered in the Register of state registration of regulatory legal acts at No. 34955):

in the appendix to Rules of election, early termination and implementation of activities of the banking ombudsman approved by the specified resolution:

to add form of Information about the candidate for position of the banking ombudsman with Item 4-1 of the following content:

"4-1. Data on ownership of the candidate of state language online of testing of Qazaq Resmi Test is confirmed by the reference of diagnostic testing on system of assessment of level of proficiency in Kazakh of KAZTEST of the National center of testing of the Ministry of science and the higher education of the Republic of Kazakhstan at the level not lower than the B2 level or the official certificate of Qazaq Resmi Test on passing an examination on Kazakh with the B2 level in system.".

5. Bring in the resolution of Board of the Agency of the Republic of Kazakhstan on regulation and development of the financial market of August 16, 2024 No. 54 "About approval of Rules of election, early termination and implementation of activities of microfinancial ombudsman" (the following amendment is registered in the Register of state registration of regulatory legal acts at No. 34943):

in appendix to the Rules of election, early termination and implementation of activities of microfinancial ombudsman approved by the specified resolution:

to add form of Information about the candidate for position of microfinancial ombudsman with Item 4-1 of the following content:

Appendix 1

to the List of regulatory legal acts of the Republic of Kazakhstan concerning banking and microfinancial activities to which changes and additions are made

Appendix 1

to the Resolution of Board of National Bank of the Republic of Kazakhstan of November 29, 2019 No. 232

Procedure for the conclusion of the agreement on provision of the microcredit

1. This Procedure for the conclusion of the agreement on provision of the microcredit (further - the Procedure) is developed according to Item 3 of article 4 of the Law of the Republic of Kazakhstan "About microfinancial activities" (further - the Law) and determines procedure for the conclusion of the agreement on provision of the microcredit.

2. The following concepts are according to the procedure used:

1) credit line - the obligation of the organization to credit the borrower on the conditions allowing the borrower most to determine time of receipt of the microcredit, but within the amount and time determined by rules of provision of the microcredits and the agreement on provision (opening) of credit line;

2) the agreement on provision (opening) of credit line - the agreement on provision of the microcredit signed on the conditions allowing the borrower most to determine in the agreement (agreements) which is (being) integral (integral) part (parts) of the agreement on provision (opening) of credit line, the amount and time of receipt of the microcredit, but within the amount and time determined by rules of provision of the microcredits and the agreement on provision (opening) of credit line;

3) the organization - the organization performing microfinancial activities (the microfinancial organization, credit partnership, pawnshop performing activities for provision of the microcredits);

4) the overpayment amount on the microcredit - the amount of all payments of the borrower under the agreement, including the amount of remuneration, penalties (penalty, penalty fee), except for microcredit subject.

3. The agreement on provision of the microcredit, according to which the organization provides to the borrower, the microcredit consists taking into account requirements of the civil legislation of the Republic of Kazakhstan to written form of the transaction.

4. To the conclusion of the contract on provision of the microcredit with physical person the organization informs the physical person, regardless of method of its request for receipt of the microcredit, on the remuneration rate size as a percentage annual, the size of annual effective rate of remuneration (actual cost of the microcredit), the overpayment amount on the microcredit, and also performs the actions provided by subitems 3), 4) and 5) of Item 2 of article 7 of the Law, with obligatory fixation of the list performed by organization of events which joins the credit folder of the borrower under this agreement.

5. Before decision making about provision of the microcredit to physical person, the organization performs verification of information containing in the credit report or information system of authorized state body (further - IS), regarding availability of the following data:

1) about establishment by physical person of voluntary refusal of receipt of the microcredits;

2) about appeal of physical person on conscription military service;

3) about the bank loans and (or) the microcredits which are earlier obtained by physical person;

4) about the registered scrap (matrimony) of physical person.

6. In case of availability in the credit report of physical person of information specified in the subitem 1) of Procedure Item 5, the organization refuses provision of the microcredit except for of the following cases:

issues of the microcredit pawnshop;

transfers of the amount of the consumer microcredit for the bank account of the seller (supplier) of goods, works and services on the purpose of purchase of goods, works and services receipt of which is confirmed by the borrower (buyer);

transfers of the amount of the consumer microcredit for the debt repayment purposes on the borrower's microcredit received in the same organization.

In case of availability in the credit report of physical person of information specified in the subitem 2) of Procedure Item 5, the organization refuses provision of the microcredit.

7. The organization refuses to physical person the conclusion of the agreement on provision of the consumer microcredit which is not provided with pledge of property by means of the Internet, and informs him on need of the appeal to the organization or branch of the organization with indication of their addresses in the presence of in total following cases:

1) in the credit report of physical person there is no information about the bank loans and (or) the microcredits which are earlier obtained by it;

2) the amount specified in the statement for the conclusion of the agreement on provision of the consumer microcredit exceeds the seventy-fivefold size of monthly settlement indicator established for the corresponding financial year by the law on the republican budget.

The requirement provided by part one of this Item does not extend to cases of the conclusion of the agreement on provision of the consumer microcredit which is not provided with pledge of property if the microcredit is issued on the purpose of purchase of goods, works and services which receipt is confirmed by the borrower (buyer) and the amount of the consumer microcredit is transferred to the bank account of the seller (supplier) of goods, works and services for the purposes of purchase of goods, works and services.

8. In case of availability in IS of information on the registered scrap (matrimony) of physical person, the organization according to the procedure determined by the resolution of Board of the Agency of the Republic of Kazakhstan by regulation and development of the financial market of August 16, 2024 No. 55 "About approval of Rules of receipt of consent of the spouse (spouse) to provision of the consumer bank loan or the microcredit which is not provided with the pledge of property which is subject to registration, physical person, the minimum size of consumer bank loan or the microcredit on which the physical person needs the consent of the spouse (spouse) to provision of consumer bank loan or the microcredit" (it is registered in the Register of state registration of regulatory legal acts at No. 34946), receives the consent of the spouse (spouse) to provision of the consumer microcredit to physical person.

9. To the conclusion with physical person of the agreement on provision of the consumer microcredit which is not provided with pledge of property, the organization performs the actions for counteraction to fraud provided by the resolution of Board of National Bank of the Republic of Kazakhstan of November 28, 2019 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) (further - the Resolution No. 217).

10. The organization signs the agreement on provision of the consumer microcredit which is not provided with pledge of property with the physical person which did not reach twenty one years or is more senior than fifty five years, only after provision by this physical person of consent to its conclusion which is drawn up according to requirements, stipulated in Item 11 About.

The requirement provided by part one of this Item also extends to cases of issue of the consumer microcredit which is not provided with pledge of property including within the agreement on provision (opening) of credit line.

The requirement provided by parts one and the second this Item does not extend to cases of transfer of the amount of the consumer microcredit which is not provided with pledge of property for the bank account of the seller (supplier) of goods, works and services for the purposes of purchase of goods, works and services which receipt is confirmed by the borrower (buyer), and (or) on the debt repayment purpose on the microcredit of the borrower physical person received in the same organization.

11. Consent to the conclusion of the agreement on provision of the consumer microcredit which is not provided with pledge of property or for receipt of the consumer microcredit which is not provided with pledge of property (further - Consent) is drawn up in any form and contains the following compulsory provisions:

1) date of registration of Consent;

2) information about the physical person: surname, name, middle name (if it is specified in the identity document) and individual identification number;

3) data on the consumer microcredit which is not provided with pledge of property: the amount, term, the remuneration rate size (in annual interests or in fixed amount), the remuneration rate size in reliable, annual, effective, comparable basis.

Consent which is drawn up on paper is signed by physical person in case of its personal presence at the organization.

In case of the conclusion of the agreement on provision of the consumer microcredit which is not provided with pledge of property by means of the Internet, Consent is drawn up in credit bureau, on the web portal of "the electronic government" or by means of the objects of informatization of the organization integrated with the services placed on lock of "the electronic government" and makes sure the digital signature provided by accredited certification center of the Republic of Kazakhstan.

Registration of Consent is made also through the objects of informatization integrated with the services placed on lock of "the electronic government the" of the legal entity rendering services to the organization based on the relevant agreement.

Failure to provide (not registration) by the physical person Soglasiya during effective period of the decision of the organization on provision of the consumer microcredit which is not provided with pledge of property is refusal of physical person in receipt of such microcredit by it.

Effective period of the decision of the organization on provision of the consumer microcredit which is not provided with pledge of property is established according to internal documents of the organization.

The organization provides storage of Consent before complete execution by the borrower physical person of agreement obligations on provision of the microcredit, including within the agreement on provision (opening) of credit line.

12. Transfer of money to the borrower physical person on the consumer microcredit which is not provided with pledge of property based on the agreement on provision of the microcredit signed by means of the Internet which size constitutes the seventy-fivefold and more monthly settlement indicator established for the corresponding financial year by the law on the republican budget is performed by the organization according to requirements of the Resolution No. 217.

Appendix 2

to the List of regulatory legal acts of the Republic of Kazakhstan concerning banking and microfinancial activities to which changes and additions are made

Appendix 1

to the Resolution of Board of National Bank of the Republic of Kazakhstan of December 23, 2019 No. 248

Procedure for the conclusion of the agreement of bank loan

1. This Procedure for the conclusion of the agreement of bank loan (further - the Procedure) is developed according to Item 2 of article 34 of the Law of the Republic of Kazakhstan "About banks and banking activity in the Republic of Kazakhstan" (further - the Law on banks) and determines procedure for the conclusion of the agreement of bank loan (further - the agreement) banks of the second level, including Islamic bank when carrying out the banking activity provided by the subitem 3) of Item 1 of article 52-5 of the Law on banks, the Development Bank of Kazakhstan joint-stock company, branches of nonresident bank of the Republic of Kazakhstan, branches of Islamic nonresident bank of the Republic of Kazakhstan, the organizations which are performing separate types of banking activities, having the license for implementation of banking loan activities (further - bank).

2. For the purposes of the Procedure the following concepts are used:

2) the agreement on provision (opening) of credit line - the agreement of bank loan signed on the conditions allowing the borrower most to determine in the agreement (agreements) or the statement (statements), being (being) integral (integral) part (parts) of the agreement on provision (opening) of credit line, or by use of payment card, the amount and time of receipt of loan.

3. The bank to the conclusion of the agreement performs the actions provided by the resolution of Board of National Bank of the Republic of Kazakhstan of July 28, 2017 No. 136 "About approval of Rules of provision of banking services, disclosures of information and consideration by banks, the organizations performing separate types of banking activities, the addresses of the clients arising in the course of provision of banking services" (it is registered in the Register of state registration of regulatory legal acts at No. 15541).

The list of necessary documents for the conclusion of the agreement is established by internal documents of bank.

4. Before decision making about provision of bank loan to physical person the bank performs verification of information containing in the credit report or information system of authorized state body (further - IS), regarding availability of the following data:

1) about establishment by physical person of voluntary refusal of receipt of bank loan;

2) about appeal of physical person on conscription military service;

3) about the bank loans and (or) the microcredits which are earlier obtained by physical person;

4) about the registered scrap (matrimony) of physical person.

5. In case of availability in the credit report of physical person of information specified in the subitem 1) of the Procedure item 4, the bank refuses provision of bank loan except for of the following cases of transfer of the amount of consumer bank loan:

on the bank account of the seller (supplier) of goods, works and services for the purposes of purchase of goods, works and services receipt of which is confirmed by the borrower (buyer);

on the debt repayment purpose on the bank loan of the borrower obtained in the same bank;

within the set credit limit on payment card in the amount of, not exceeding hundred-fiftyfold size of the monthly settlement indicator established for the corresponding financial year by the law on the republican budget.

In case of availability in the credit report of physical person of information specified in the subitem 2) of the Procedure item 4, the bank refuses provision of bank loan.

6. The bank refuses to physical person the conclusion of the agreement of the consumer bank loan which is not provided with pledge of property without its personal presence at bank, including at branches in the presence of in total following cases:

1) in the credit report of physical person there is no information about the bank loans and (or) the microcredits which are earlier obtained by it;

2) the amount specified in the statement for the conclusion of the agreement of consumer bank loan exceeds the stopyatidesyatkratny size of monthly settlement indicator established for the corresponding financial year by the law on the republican budget.

The requirement provided by part one of this Item does not extend to cases of the conclusion of the agreement of the consumer bank loan which is not provided with pledge of property if loan is issued on the purpose of purchase of goods, works and services which receipt is confirmed by the borrower (buyer) and the loan amount is transferred to the bank account of the seller (supplier) of goods, works and services.

7. In case of availability in IS of information on the registered scrap (matrimony) of physical person, bank according to the procedure determined by the resolution of Board of the Agency of the Republic of Kazakhstan by regulation and development of the financial market of August 16, 2024 No. 55 "About approval of Rules of receipt of consent of the spouse (spouse) to provision of the consumer bank loan or the microcredit which is not provided with the pledge of property which is subject to registration, physical person, the minimum size of consumer bank loan or the microcredit on which the physical person needs the consent of the spouse (spouse) to provision of consumer bank loan or the microcredit" (it is registered in the Register of state registration of regulatory legal acts at No. 34946), receives the consent of the spouse (spouse) to provision of consumer bank loan to physical person.

8. To the conclusion with physical person of the agreement of the consumer bank loan which is not provided with pledge of property, the bank realizes the actions for counteraction to fraud provided by the resolution of Board of National Bank of the Republic of Kazakhstan of November 12, 2019 No. 188 "About approval of Rules of forming of risk management system and internal control for banks of the second level, branches of nonresident banks of the Republic of Kazakhstan" (it is registered in the Register of state registration of regulatory legal acts at No. 19632) (further - the Resolution No. 188).

9. The bank signs the agreement of the consumer bank loan which is not provided with pledge of property with the physical person which did not reach twenty one years or is more senior than fifty five years, only after provision by this physical person of consent to its conclusion which is drawn up according to Procedure Item 11.

The requirement provided by part one of this Item also extends to cases of issue of the consumer bank loan which is not provided with pledge of property within the agreement on provision (opening) of credit line.

The requirement provided by parts one and the second this Item does not extend to cases of transfer of the amount of the consumer bank loan which is not provided with pledge of property:

on the bank account of the seller (supplier) of goods, works and services for the purposes of purchase of goods, works and services which receipt is confirmed by the borrower (buyer);

on the bank account of bank for the debt repayment purposes on the bank loan of the borrower obtained in the same bank, the organization performing separate types of banking activities;

10. The bank transfers money to the borrower physical person on the consumer bank loan which is not provided with pledge of property based on the agreement of the bank loan signed by means of the Internet which size constitutes the two hundred-fifty-fivefold and more monthly settlement indicator established for the corresponding financial year by the law on the republican budget with observance of the following requirements:

1) not earlier than in twenty four hours from the moment of agreement signature or increase in the amount of bank loan;

2) after provision by the borrower physical person after the term specified in the subitem 1) to part one of this Item, consent to receipt of the consumer bank loan which is drawn up according to Procedure Item 11.

Within risk management system, in the presence of high fraud risk, the bank provides transfer of money to the borrower physical person on the consumer bank loan which is not provided with pledge of property based on the agreement of the bank loan signed by means of the Internet which size constitutes more hundred-fiftyfold, but not over the two hundred-fifty-fivefold monthly settlement indicator established for the corresponding financial year by the law on the republican budget not earlier than in eight hours from the moment of agreement signature or increase in the amount of bank loan and in case of observance of the requirement of the subitem 2) parts one of this Item.

In case of provision by bank to the borrower physical person within one calendar day of several consumer loans which are not provided with pledge of property based on the agreements of bank loan signed by means of the Internet which amount as a result of addition exceeds the size established by part one of this Item the bank observes the requirement provided by the subitem 1) of part one of this Item and also applies other measures according to the procedures provided by the Resolution No. 188.

The requirements provided by parts one and third this Item, also extend to issue cases by means of the Internet of the consumer bank loan which is not provided with pledge of property within the agreement on provision (opening) of credit line signed by means of the Internet.

The requirement provided by part one of this Item does not extend to cases of transfer of the amount of consumer bank loan:

on the bank account of the seller (supplier) of goods, works and services for the purposes of purchase of goods, works and services receipt of which is confirmed by the borrower (buyer);

on the bank account of bank for the debt repayment purposes on the bank loan of the borrower obtained in the same bank;

11. Consent to the conclusion of the agreement of the consumer bank loan which is not provided with pledge of property or to receipt of the consumer bank loan which is not provided with pledge of property (further - Consent) is drawn up in any form and contains the following compulsory provisions:

1) date of registration of Consent;

2) information about the physical person: surname, name, middle name (if it is specified in the identity document) and individual identification number;

3) data on the consumer bank loan which is not provided with pledge of property: the amount, term, the remuneration rate size (in annual interests or in fixed amount), the remuneration rate size in reliable, annual, effective, comparable basis.

Consent which is drawn up on paper is signed by physical person in case of its personal presence at bank, including at its branches.

In case of the conclusion of the agreement of the consumer bank loan which is not provided with pledge of property by means of the Internet, Consent is drawn up in credit bureau, on the web portal of "the electronic government" or by means of the objects of informatization of bank integrated with the services placed on lock of "the electronic government" and makes sure the digital signature provided by accredited certification center of the Republic of Kazakhstan.

Failure to provide (not registration) by the physical person Soglasiya during effective period of the decision of bank on provision of the consumer bank loan which is not provided with pledge of property is refusal of physical person in receipt of such bank loan by it.

Effective period of the decision of bank on provision of the consumer bank loan which is not provided with pledge of property is established according to internal documents of bank.

The bank provides storage of Consent before complete execution of agreement obligations of bank loan by physical person, including within the agreement on provision (opening) of credit line.

12. In case of the conclusion of the contract with physical person the bank according to part two of Item 2 of article 39 of the Law on banks, provides to the borrower - physical person for the choice of method of repayment of loan drafts of the repayment schedules of loan calculated by different methods. Without fail the bank represents to the borrower drafts of the repayment schedules of loan calculated according to the resolution of Board of National Bank of the Republic of Kazakhstan of January 28, 2016 No. 8 "About approval of Method of calculation of regular payments on the loans issued by the banks, the organizations performing separate types of banking activities and to the microcredits issued by the organizations performing microfinancial activities, physical persons and providing repayment schedule availability and also temporary bases for calculation of remuneration for such loans, (microcredits)" (it is registered in the Register of state registration of regulatory legal acts at No. 13305), the following methods of repayment:

by method of the differentiated payments in case of which debt repayment on bank loan is performed by the decreasing payments including equal payment amounts on principal debt and the remuneration added for the period on remaining balance of principal debt;

by method of annuity payments in case of which debt repayment on bank loan is performed by the equal payments throughout all term of bank loan including the increasing payments on principal debt and the decreasing payments on the remuneration added for the period on remaining balance of principal debt. The amount of the first and last payments can differ from others.

The bank offers the borrower the additional methods of repayment of loan calculated according to internal regulations in case of availability of such condition in internal regulations of bank.

The procedure provided by parts one and the second this Item do not extend to the agreement, loan term under the terms of which constitutes no more than one month, or the agreement under the terms of which the credit the overdraft, and also on the agreement on provision (opening) of credit line is issued.

13. In case of the conclusion of the contract with the physical person obtaining the loan which is not connected with implementation of business activity, the bank provides to the borrower the instruction sheet for the borrower - physical person under the agreement in form according to appendix 4 to the resolution.

The procedure provided by part one of this Item does not extend to the agreement, loan term under the terms of which constitutes no more than one month, or the agreement under the terms of which the credit the overdraft, and also on the agreement on provision (opening) of credit line is issued.

14. The agreement is signed taking into account requirements of the civil legislation of the Republic of Kazakhstan.

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