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RESOLUTION OF BOARD OF NATIONAL BANK OF THE REPUBLIC OF KAZAKHSTAN

of November 28, 2019 No. 218

About approval of the List of the commissions and other payments connected with issue and servicing of the bank loan issued to physical person

(as amended on 29-01-2021)

According to Item 3 of article 39 of the Law of the Republic of Kazakhstan of August 31, 1995 "About banks and banking activity in the Republic of Kazakhstan" the Board of National Bank of the Republic of Kazakhstan DECIDES:

1. Approve the enclosed List of the commissions and other payments connected with issue and servicing of the bank loan issued to physical person according to appendix 1 to this resolution.

2. Recognize invalid some regulatory legal acts of the Republic of Kazakhstan according to the list according to appendix 2 to this resolution.

3. To provide to department of consumer protection of financial services 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 National Bank of the Republic of Kazakhstan after its official publication;

3) within ten calendar days after official publication of this resolution submission to Legal department of data on execution of the actions provided by the subitem 2) of this Item and item 4 of this resolution.

4. To department of external communications - press - service of National Bank to provide within ten calendar days after state registration of this resolution the direction it to the copy on official publication in periodic printing editions.

5. To impose control of execution of this resolution on the vice-chairman of National Bank of the Republic of Kazakhstan Smolyakov O. A.

6. This resolution becomes effective since January 1, 2020 and is subject to official publication.

Chairman of National Bank

E.Dosayev

Appendix 1

to the Resolution of Board of National Bank of the Republic of Kazakhstan of November 28, 2019 No. 218

The list of the commissions and other payments connected with issue and servicing of the bank loan issued to physical person

1. This List of the commissions and other payments connected with issue and servicing of the bank loan issued to physical person is effective concerning the bank loan (further - loan) issued (issued) to physical person and not connected with implementation of business activity by physical person.

2. The following commissions and other payments treat the commissions and other payments connected with issue and servicing of the loan issued (issued) to physical person:

1) for consideration of the application and documents for receipt of loan;

2) for the organization of loan;

3) the commissions for change of conditions of the granted loan:

repayment schedule;

loan currencies;

remuneration rates;

methods of repayment of loan;

4) the commissions for consideration of questions on:

to change of the conditions connected with the borrower (co-borrower), the guarantor (guarantor) at the initiative of the borrower (co-borrower), the guarantor (guarantor);

to change of conditions of encumbrance of subject of pledge of loan, and also when replacing subject of pledge;

to replacement of the pledger;

to issue according to the statement of the client of the documents of title regarding pledge containing in the credit folder of the client;

to issue according to the statement of the client of the certificate of consent to registration (removal from registration) at the place of residence of physical person, on legalization of re-plannings, constructions, the extensions made in the territory of mortgage providing;

to rendering services in registration of the property right and (or) the right of pledge to the property put into operation when changing the pledger;

to rendering services in change of purpose of real estate, separation of the parcels of land into shares;

to issue according to the statement of the client of the certificate of permission to replacement of registration number of the vehicle which is mortgage providing on renewal of the registration certificate of the vehicle, on recovery of the lost documents on the vehicle;

5) payments of the client for benefit of insurance company if act as the beneficiary according to the insurance contract in case of loss occurrence bank of the second level, branch of nonresident bank of the Republic of Kazakhstan, the organization performing separate types of banking activities (further - bank), except for payments of the client for benefit of insurance company in case of insurance of subject of pledge of the agreement of the pledge providing obligations of the client under the agreement of bank loan and who is in use of the pledger;

6) payments of the client to the guarantor (guarantor) for receipt of guarantee (guarantee), to the appraiser for assessment of the pledged property;

7) payments of the client for benefit of the organizations (intermediaries) rendering services to bank on customer acquisition, implementation of verification of the documents provided by clients on compliance to conditions of issue of loan, document transfer of clients to bank, acceptance of payments and the translations from clients of bank on account of repayment of loans;

8) for issue according to the statement of the client of the certificate of loan debt on loan;

9) for partial (complete) early repayment of loan.

Appendix 2

to the Resolution of Board of National Bank of the Republic of Kazakhstan of November 28, 2019 No. 218

The list of some regulatory legal acts of the Republic of Kazakhstan recognized invalid

1. The resolution of Board of National Bank of the Republic of Kazakhstan of May 30, 2016 No. 134 "About the approval of the List of the commissions and other payments connected with issue and servicing of bank loan and microcredit, issued to physical person, considered when calculating annual effective rate of remuneration" (it is registered in the Register of state registration of regulatory legal acts at No. 13870, it is published on July 29, 2016 in information system of law of Ad_let);

2. The resolution of Board of National Bank of the Republic of Kazakhstan of August 27, 2018 No. 186 "About modification of the resolution of Board of National Bank of the Republic of Kazakhstan of May 30, 2016 No. 134 "About the approval of the List of the commissions and other payments connected with issue and servicing of bank loan and microcredit, issued to physical person, considered when calculating annual effective rate of remuneration" (it is registered in the Register of state registration of regulatory legal acts at No. 17440, it is published on October 8, 2018 in Reference control bank of regulatory legal acts of the Republic of Kazakhstan);

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