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Borrower's Instructon Sheet

Rules of financial safety

  1. All installments are to be paid only to KMF cash desks (through payment terminals or banks), even in cases if client wants to prepay his/her loan. It is prohibited to give (leave) cash to company staff.
  2. KMF works without go-betweens. People offering to arrange loan for some fee have nothing to do with the company.
  3. KMF credit staff consults clients in the company office free of charge or at the client’s business. We ask you to call Trust line if you encounter people offering to arrange a loan for some fee or to render some services, or inform us about that otherwise.
  4. Don’t be careless in financial issues. Remember that no one can force you to get a loan, thus, don’t yield to persuasions of your acquaintances or friends to take a loan instead of them. Remember that a person who executes microloan agreement will be liable for loan obligations and you won’t be able to prove that loan was not disbursed to you.
  5. When loan is disbursed, you should count cash just near the cash desk. In KMF, if necessary, a client can reconcile amount disbursed with the teller and make sure he/she got a full loan amount (loan amount under agreement less loan disbursement fee the client is ware of in advance). The client should not incur any other expenses before disbursement.
  6. KMF policy prohibits staff to borrow money or other benefits or services from the borrower. So, we are asking you to cut short such actions and not to encourage such situations. NB! Remember! You must not give company employees any funds since it is violation of financial discipline, you and company employee involved will both be liable for that!

Financial terms

Interest rate - amount specified in percentage to loan amount paid by the loan user for using it within a certain period of time (month, quarter, year).

Annual interest rate – interest rate on one-year basis for using loan.

Effective interest rate defines loan real cost. In other words, besides, loan interest rate, it includes all accompanying expense (commissions) to serve loan. Thus, it can differ from annual interest rate.

Nominal interest rate - interest rate not inflation adjusted.

Commission - amount charged by the bank from the client when loan is disbursed (for loan disbursement, serving an account, for loan application consideration). Commission number and name depend on a financial institution.

Repayment schedule - document specifying: size of monthly payments; recommended due dates for monthly payments; other data required for the borrower to timely repay loan.

Monthly payment - Amount the borrower shall pay each month to repay loan indebtedness under agreement. Monthly payment accrual method can be of 2 types and client can choose:

EMI method (annuity payment method) (on a declining principal debt balance), when microloan repayment is done by equal installments during the entire microloan maturity term including increasing principal debt installments and declining installments on interest accrued for the period on principal debt balance.

Graduated payment method (principal debt equal shares), when microloan repayment is done by declining installments including equal principal debt installments and principal debt interest accrued for the period.

Guarantee is bail for one’s fulfillment of money or property liability, form of responsibility for the fulfillment of accepted liabilities.

Collateral - material values the borrower transfers to the lender as a guarantee of his debt obligations.

Collateral value - market value of property securing loan (collateral). Often maximum loan amount depends on it.

Credit bureau is a specialized agency collecting and distributing information about positive and negative issues in the activity of physical and legal entities applying for loans. Information about all loans you obtained can be received from this credit bureau (with your consent).

Delinquency past due indebtedness on principal debt and/or scheduled interest accrued for loan usage.

Penalty - amount paid in case of past due loans (when borrower is behind repayment schedule).

Prepayment - loan repayment ahead of maturity term expiry. In this case interest is re-calculated till the prepayment date.

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