The requirement to adhere to the maximum debt burden ratio of the borrower does not apply when providing loans from January 1, 2025, to December 31, 2026, inclusive:
- for the purchase of a new car that has not been previously used and is being registered for the first time in Kazakhstan, and which serves as collateral for the loan;
- for the purchase of a used vehicle that serves as collateral for the loan, with an initial payment of at least 50% of its value;
- for the purchase of a vehicle that has been in use for up to 3 years and serves as collateral for the loan, with an initial payment of at least 30% of its value;
- under the housing construction savings system.
Similar amendments (excluding housing loans) have been made to the Rules for calculating the borrower's debt burden ratio for microfinance organizations.
Resolution of the Board of the ARRFK of Kazakhstan dated February 14, 2025, No. 6, comes into effect on February 20, 2025.