THE RESOLUTION OF BOARD OF THE AGENCY OF THE REPUBLIC OF KAZAKHSTAN ON REGULATION AND DEVELOPMENT OF THE FINANCIAL MARKET

of April 28, 2026 No. 83

About approval of Rules of consideration of changes in terms of the contract of bank loan and the agreement on provision of the microcredit, the list of the documents enclosed to the application of the borrower – the physical person about modification of terms of the contract of bank loan and the agreement on provision of the microcredit, and also procedure for informing by bank and the organization performing microfinancial activities, authorized body about results of consideration of the applications of borrowers – physical persons about modification of terms of the contract of bank loan and the agreement on provision of the microcredit

According to part three of Item 2 of article 61 of the Law of the Republic of Kazakhstan "About banks and banking activity in the Republic of Kazakhstan", part three of Item 2 of article 9-2 of the Law of the Republic of Kazakhstan "About microfinancial activities", the subitem 2) Item 3 of article 16 of the Law of the Republic of Kazakhstan "About the state statistics" Board of the Agency of the Republic of Kazakhstan on regulation and development of the DECIDES: financial market

1. Approve the enclosed Rules of consideration of changes in terms of the contract of bank loan and the agreement on provision of the microcredit, the list of the documents enclosed to the application of the borrower – the physical person about modification of terms of the contract of bank loan and the agreement on provision of the microcredit, and also procedure for informing by bank and the organization performing microfinancial activities, authorized body about results of consideration of the applications of borrowers – physical persons about modification of terms of the contract of bank loan and the agreement on provision of the microcredit (further – Rules).

2. Recognize invalid resolutions of Board of the Agency of the Republic of Kazakhstan on regulation and development of the financial market in the list according to appendix to this resolution.

3. 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 becomes effective after ten calendar days after day of its first official publication, except for Items 14, of 15, of 16, of 17, of 18 and 19 Rules which become effective since July 1, 2026;

Suspend till July 12, 2026:

paragraph one of Item 2 of Rules, having determined that during suspension this paragraph is effective in the following edition:

"2. The creditor in the presence of delay of obligation fulfillment under the agreement, but no later than 10 (ten) calendar days from the date of its approach notifies the borrower by method and in the terms provided by the agreement and also through objects of informatization, about:";

parts one of Item 3 of Rules, having determined that during suspension this part is effective in the following edition:

"3. During terms, stipulated in Item 2 articles 61 of the Law on banks and Item 2 of article 9-2 of the Law on microfinancial activities, the borrower addresses the creditor who issued the credit, in writing and (or) through objects of informatization and (or) the different way provided by the agreement with the offer on change of terms of the contract according to subitems 1), 2), 3), 4), 5), 6), 7), 8), 9) and 10) of Item 2 of article 61 of the Law on banks and subitems 1), 2), 3), 4), 5), 6), 7), 8) and 9) of Item 2 of article 9-2 of the Law on microfinancial activities.";

paragraph one of part one of Item 7 of Rules, having determined that during suspension this paragraph is effective in the following edition:

"7. The creditor within 15 (fifteen) calendar days after day of receipt of the statement and the documents submitted by the borrower considers the changes offered by the borrower in terms of the contract and according to Item 3 of article 61 of the Law on banks, Item 3 of article 9-2 of the Law on microfinancial activities, notifies the borrower in writing, and also through objects of informatization or the method provided by the agreement on one of the following decisions:";

parts one of Item 11 of Rules, having determined that during suspension this part is effective in the following edition:

"11. For the purposes of Rules the notification of the borrower on possibility of the address to the creditor for change of terms of the contract (further – the notification), and also the answer of the creditor to the statement of the borrower go in writing and (or) through objects of informatization, and (or) the different way provided by the agreement.";

parts one, the third and fourth Item 28 of Rules, having determined that during suspension these parts are effective in the following edition:

"28. The creditor within 15 (fifteen) calendar days from the date of obtaining from credit bureau of data on the borrowers called on conscription military service (further – the borrower – the serviceman), grants under the agreement payment deferral on principal debt and remuneration (further – payment deferral) for the period including the term of passing of conscription military service and 60 (sixty) calendar days after its termination without charge of remuneration on the credit what he notifies the borrower on – the serviceman in writing, and also through objects of informatization or the method provided by the agreement.";

"In case of refusal of payment deferral the borrower – the serviceman (the third party who is acting for the benefit of the borrower – the serviceman by proxy) within 14 (fourteen) calendar days from the date of receipt of the notification of the creditor, directs the declaration of abandonment in writing, or through objects of informatization, or the method provided by the agreement. The creditor within 15 (fifteen) calendar days from the date of receipt of this statement, notifies the borrower by the method provided by the agreement and also through objects of informatization on cancellation of payment deferral and renewal of charge of remuneration on the credit.

In case of dismissal of the borrower – the serviceman from conscription military service before the expiration of military military service, the creditor after 60 (sixty) calendar days from the date of exception it from lists of military unit stops provision of payment deferral and resumes charge of remuneration on the credit what notifies him in writing on, and also through objects of informatization or the method provided by the agreement.".

During the period from July 1, 2026 to January 1, 2027 Items 14, of 16, 18 and 19 Rules are effective in the following edition:

"14. In the presence at the borrower of arrears on the consumer loans which are not provided with pledge of property to two and more creditors, and also the collection agencies to which the rights (requirement) for the agreement are yielded, and in case of absence at the borrower of other credits provided with pledge of property the borrower has the right to address for collective settlement of debt electronically through the platform of collective settlement functioning in case of the bank ombudsman and the microfinancial ombudsman (further – platform):

1) to the bank ombudsman – in the presence of debt on bank loans;

Disclaimer! This text was translated by AI translator and is not a valid juridical document. No warranty. No claim. More info