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

According to the laws of the Republic of Kazakhstan of March 30, 1995 "About National Bank of the Republic of Kazakhstan", of August 31, 1995 "About banks and banking activity in the Republic of Kazakhstan" and of November 26, 2012 "About the microfinancial organizations" 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 bank loan and microcredit, issued to physical person, considered when calculating annual effective rate of remuneration.

2. To management on consumer protection of financial services and external communications (Terentyev A. L.) in the procedure established by the legislation of the Republic of Kazakhstan to provide:

1) together with Legal department (Sarsenov N. V.) state registration of this resolution in the Ministry of Justice of the Republic of Kazakhstan;

2) the direction of this resolution in the republican state company on the right of economic maintaining "The republican center of legal information of the Ministry of Justice of the Republic of Kazakhstan":

on official publication in information system of law of Ad_let within ten calendar days after its state registration in the Ministry of Justice of the Republic of Kazakhstan;

for inclusion in the State register of regulatory legal acts of the Republic of Kazakhstan, Reference control bank of regulatory legal acts of the Republic of Kazakhstan within five working days from the date of its obtaining by National Bank of the Republic of Kazakhstan after state registration in the Ministry of Justice of the Republic of Kazakhstan;

3) the direction of this resolution on official publication in periodic printing editions within ten calendar days after its state registration in the Ministry of Justice of the Republic of Kazakhstan;

4) placement of this resolution on official Internet resource of National Bank of the Republic of Kazakhstan after its official publication.

3. To impose control of execution of this resolution on the vice-chairman of National Bank of the Republic of Kazakhstan Pirmatov G. O.

4. This resolution becomes effective since July 1, 2016 and is subject to official publication.

Operation of this resolution extends to agreements of bank loan and contracts on provision of the microcredit signed since July 1, 2016.

Approved by the Resolution of Board of National Bank of the Republic of Kazakhstan of May 30, 2016, No. 134

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

1. This 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 (further - the List) is effective concerning bank loans (further - loan) and the microcredits 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 the servicing of loan, microcredit issued (issued) to physical person, considered when calculating annual effective rate of remuneration:

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

2) for the organization of loan, microcredit;

3) for issue of the microcredit;

4)  No. 45 is excluded according to the Resolution of Board of National Bank of the Republic of Kazakhstan of 30.03.2019;

5) the commissions for change of conditions of the provided loan, the microcredit:

repayment schedule;

loan currencies;

remuneration rates;

methods of repayment of loan, microcredit;

6) 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, the microcredit, 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;

7) 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, the organization performing separate types of banking activities (further - bank), the microfinancial organization, except for payments of the client for benefit of insurance company in case of insurance of the subject of pledge of the agreement of the pledge providing obligations of the client under the agreement of bank loan, the agreement on provision of the microcredit and being in use of the pledger;

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

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

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