Restructuring application for individuals with overdue debts

To restructure the loan, you need to fill out an application

Make an application

Dear Lender!

According to clause 1-1 of Article 36 of the Law of the Republic of Kazakhstan "On Banks and Banking Activities in the Republic of Kazakhstan" "1-1. Within thirty calendar days from the date of default on the obligation under the bank loan agreement the lender – individual has the right to visit the bank (organization carrying out certain types of banking operations) and (o)r submit a statement in writing or in the manner prescribed by the bank loan agreement, containing information on the reasons for the overdue obligation under a bank loan agreement, income and other confirmed circumstances (facts) which give rise to his/her application to amend the terms and conditions of the bank loan agreement".

In order to be considered for a restructuring application, you must submit the recommended list of documents:

• documents confirming the deterioration of the Borrower's financial condition (certificate of income from the place of work for the last 6 (six) months;
• order to terminate the contract;
• certificate of termination of the contract;
• a copy of the employment record with a note on the termination of the contract;
• medical documents;
• documents confirming unforeseen expenses, force majeure;
• individual income tax return of the Borrower – individual for the last tax period, other);
• documents reflecting the availability of the possibility of fulfilling the Borrower's obligations under the Loan Agreement and confirming his income (report of the State Pension Payment Authority;
• real estate lease agreements and/or other documents).