ASTANA. February 17. KAZINFORM /Aigul Tulekbayeva/ Beginning from March 1, 2009 Kazakhstani citizens can apply to the banks for mortgage loans refinancing, Kazinform reports. Chairman of «SamrukKazyna» National Welfare Fund Kairat Kelimbetov said at the Government’s session today, Kazinform reports. The terms of refinancing are the same: the area of the apartment should not exceed 120 sq m and it should be an only accommodation of the borrower. Reduction of the rate for the employees of state run organizations is to make 9% while for other citizens it will make 11%