Dear
Customer!
KZI Bank (hereinafter referred to
as the Bank) informs that in accordance with Article 36 of the Law “On Banks
and Banking Activities in the Republic of Kazakhstan”, within thirty calendar
days from the date of the delay in fulfilling the obligation under the banking
loan agreement, the borrower - an individual has the right to visit the bank
and (or) submit in writing or in the manner prescribed by the bank loan
agreement, an application (with mandatory supporting documents attached),
containing information about the reasons for the delay in fulfilling the
obligation under the bank loan agreement, income and other confirmed
circumstances (facts) that cause the application to amend the terms of the bank
loan agreement, including those related to:
1)
a
downward change in the interest rate under a bank loan agreement;
2)
change
in the currency of the balance of the principal debt on a bank loan issued in
foreign currency to the national currency;
3)
deferred
payment of the principal debt and (or) remuneration;
4)
changing
the method of debt repayment or the order of debt repayment, including the
repayment of the principal debt on a priority basis;
5)
change
in the term of a bank loan;
6)
forgiveness
of the overdue principal debt and (or) remuneration, cancellation of the
forfeit (fine, penalty fee), commissions and other payments related to
servicing a bank loan;
7)
self-realization
by the mortgagor of immovable property that is the subject of mortgage, in the
manner prescribed by Article 20-1 of the Law of the Republic of Kazakhstan “On
Mortgage of Real Estate”;
8)
submission
of a compensation in exchange for the fulfillment of an obligation under a bank
loan agreement by transferring collateral property to a bank;
9)
the
sale of immovable property that is the subject of mortgage, with the transfer
of obligations under a bank loan agreement to the buyer.
The
bank, within fifteen calendar days after the date of receipt of the application
of the borrower - an individual, will consider the proposed changes to the
terms of the bank loan agreement in the manner established by the regulatory
legal act of the authorized body, and in writing or in the manner prescribed by
the bank loan agreement, the borrower will be informed about:
1)
consent
with the proposed changes to the terms of the bank loan agreement;
2)
proposal
to change the terms of a bank loan agreement;
3)
refusal
to change the terms of the bank loan agreement, indicating a reasoned
justification for the reasons for such refusal.
The
borrower - an individual, within fifteen calendar days from the date of receipt
of the Bank's decision or if a mutually acceptable decision is not reached on
changing the terms of the bank loan agreement, has the right to apply to the
authorized body with simultaneous notification of the Bank.
If you have any questions, you can
contact the following hotline number: 8 (727) 2444 000.
Sincerely,