How to apply for a loan in "Kaspiy Bank" via the Internet? Instructions, conditions and requirements

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In pursuit of the client, banks are striving to create an extremely easy and convenient service. For this reason, banking services are gradually moving to the online space. With a few clicks on the phone screen, you can order the issuance and delivery of a new card, open a deposit, pay a loan, make a transfer to another person, and much more. At the end of 2018, one of the flagship banks in Kazakhstan - Kaspi Bank - announced the launch of an online lending service without visiting a branch. This article will help you learn how you can quickly and easily apply for a loan at Caspian Bank via the Internet.

O Kaspi Bank

Kaspi Bank is one of the largest banks in the Republic of Kazakhstan. As of the beginning of 2019, Kaspi Bank is the leader among other banks in this country in terms of the size of the retail loan portfolio. One of the main tasks of the company is to become the most convenient bank for customers. To do this, the financial institution pays special attention to providing simple and easy conditionsservice. Around 204 branches and branches, 1200 ATMs and 4500 self-service terminals of Kaspi Bank operate throughout Kazakhstan. Bank branches are open for customers seven days a week, and the bank's mobile contact center is open around the clock.

Credit requirements and conditions

You can apply for a regular cash loan at a branch or take a loan from Caspian Bank via the Internet on the following conditions:

• interest rate - from 20.95% to 26.95% (GERR from 23.6% to 33.6%);
• commission - from 1.19% to 2.95%;
• loan amount - from 20,000 to 1,000,000 tenge;
• registration period - from 1 month to 4 years;
• partial or full early repayment of the loan is allowed, no pen alties;
• cash out credit funds - no commission.

A potential borrower must meet the following requirements:

1. Documents. Only one document is required - an identity card, a foreign passport of the Republic of Kazakhstan, a residence permit or an internal certificate of a stateless person.
2. Age. You can apply for a loan from the age of 18. The maximum allowable age is not regulated by bank lending rules.
3. Income. To get a cash loan from Kaspi, you do not need to have pension contributions, proof of salary or other types of income.
4. Work experience. The bank does not impose any minimum work experience requirements.
5. Bail. No collateral is required.

Forto apply for a cash loan in Kaspi, you will need a phone with a valid number of one of the operators in Kazakhstan, and in order to take an Internet loan in Caspian Bank, you need a smartphone running the Android or iOS operating system.

Kaspi.kz application

Kaspi.kz service is a service for bank customers that provides online access to the service. The app allows:

• apply for a loan at Caspian Bank via the Internet;
• get information on current loans, cards and deposits;
• pay for services and make payments;
• transfer money from Kaspi Bank debit cards to Visa and Mastercard cards of any banks of the Republic of Kazakhstan, including other Kaspi clients;
• block and unblock payment cards, manage the limit on transactions with them;
• get information about the location of branches, ATMs and Kaspi terminals;
• use the "Kaspi Shop" service.

The program is available for download in AppStore and Android mobile app stores. For new customers, registration is provided by a phone number already available in the bank's database. There is a quick login option for registered users - by fingerprint using Touch ID technology or by entering a 4-digit code set earlier.

For unauthorized users, the application allows you to find out the addresses of the nearest ATMs, terminals and branches, get information about services andbank products, Kaspi Red partner network and current promotions.

How to apply for a loan in "Kaspiy Bank" via the Internet?

Online application for a loan is available for regular customers with a positive credit history. To get a loan from Caspian Bank via the Internet, you need to do the following:

• authorize in the Kaspi.kz application;
• in the section "My Bank" or on the main page, follow the link "Getting a cash loan";
• follow further system instructions.

The decision on the application is made almost instantly - within 1 minute. The answer will be available in the Caspi mobile application. In some cases, you will need to visit a Kaspi branch to sign documents.

If you received a negative response to the decision, you can try to apply for a loan in the "Kaspiy Bank" via the Internet after some time. There is no limit on the number of loan applications submitted.

Where can I get money

In case of a positive decision of the bank, funds on the approved loan can be received at any Kaspi ATM. This must be done within three days. Otherwise, the loan application is subject to cancellation. Interest on the loan begins to accrue exactly from the day when the amount of money on the loan was received.

To withdraw funds in the Kaspi ATM menu, you need:

• select item "Credit, credit card";
• go through the authorization procedure through the Kaspi.kz service on the phone using the Kaspi QR service or by entering IIN;
• click "Get a cash loan";
• follow further system instructions.

After the operation is completed, the ATM will dispense the loan money in full. There is no commission for cashing out funds. The client's phone will receive an SMS notification about the receipt of the loan amount.