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Loans
Online lending for IEs
Is it required to confirm the intended use when applying for an IE online loan?
With this type of financing, confirmation of the intended use of loan proceeds is not required.
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How long is my application active?
Your loan application is active until 11:00 p.m. of the current day.
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What should I do if my online loan application has been rejected?
If you are denied a loan due to tax arrears, account restrictions, loan arrears, you can pay off your debts owed to the budget or bank and apply again.
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How to withdraw loan proceeds at a bank branch?
You can transfer loan proceeds to your account or to the accounts of your partners via the BCC Business app.
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How will I repay the loan?
There are several ways to repay the loan: you can top up your current account in cash via a cash desk/terminal or top up your account by cashless transfer from any account with Bank CenterCredit or any other bank.
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Can an individual entrepreneur apply for a loan?
Bank CenterCredit provides convenient solutions to support the business of individual entrepreneurs, including unsecured lending up to ₸30,000,000, for up to 48 months.
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What is the interest rate on an IE loan?
Bank CenterCredit provides individual entrepreneurs with an unsecured loan of up to ₸30,000,000, for up to 48 months, with an interest rate from 26.95%.
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What types of loans are available for IEs?
Lending offered by Bank CenterCredit allows individual entrepreneurs to take out loans for various purposes, including working capital financing and salary payments.
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What is the maximum amount available for IE lending?
Individual entrepreneurs can borrow from ₸150,000 to ₸30,000,000.
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Credit Limit on Account
Is there a fee for utilization of the Credit Limit on the Account?
No fees for the Credit Limit on the Account utilization and management are applicable.
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When is interest accrued for credit limit utilization?
Interest is accrued on a daily basis and debited on the principal repayment date (on the 30th day /prematurely via BCC Business without any penalties).
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What are the benefits of a credit limit?
The credit limit on the account is set up for free and allows you to make urgent payments during cash gaps within the available limit amount.
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What is the term of the Credit Limit on the Account?
The Credit Limit Utilization Contract is signed for 5 years (60 months), with no extensions
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What are the fees charged for credit limit utilization?
The Bank does not charge any hidden fee for utilization of the Credit Limit on the Account, a 4% fee for transfer of funds to own accounts with JSC BCC or other STBs and a 4% cash out fee are charged only.
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What is the fee charged for late principal repayment?
For late repayment of the principal and interest on the CLA, a borrower shall pay a penalty (fine) at the rate of 0.2% of the unpaid amount for each day of delay.
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What does the credit limit amount approved by the Bank depend on?
The main criterion for amount approval is the company's turnovers and monthly transactional activity.
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Where can I find the CLA repayment schedule?
Credit limit repayment schedule is available on the BCC Business app in the Loans and Guarantees - Credit Limit on the Account - Repayment Schedule section.
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How often does the credit limit amount change?
The limit amount is recalculated automatically on a monthly basis.
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How will money be debited if I have both personal money and credit limit on my current account?
Your personal money is debited first, then the credit limit.
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#businesscredit Credit Card
What is the #businesscredit digital credit card with installment feature?
The #businesscredit credit card with installment feature is a card that offers the financing option for up to 6 months within the approved credit limit on your account.
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Who can apply for a card?
Individual Entrepreneur (if the card is needed for IE) or the Company’s CEO, if the card is needed for a legal entity
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What documents are required to apply for a card?
Individual Entrepreneur’s or the Company CEO’s passport.
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Where and how can I apply for a card?
Customers having a credit limit on the account will be able to issue a virtual card through the bcc business mobile app.
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How quickly will I receive the card?
If the Bank makes a positive decision, the virtual card is issued on the date of signing the Contract. Following the Bank’s setting of a credit limit on the card, the card details will be made available in the personal area.
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How to add a card to the wallet?
The card can be added to Apple Pay / Samsung Pay / Google Pay through the CEO’s personal area in the bcc.kz mobile app.
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How to set a dynamically changing CVV for online payments?
To ensure security of installment plan transactions, you can set a dynamically changing CVV through the CEO’s personal area in the bcc.kz mobile application.
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What am I not allowed to use the credit limit for?
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What installment periods are available with the #businesscredit card?
You can choose an installment period that suits you the most: 3 months or 6 months.
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How can I increase the amount on my # businesscredit credit card?
The maximum credit limit amount on the card is KZT 5,000,000.
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What is the interest rate on installment plan?
2% per month, regardless of the period of tranches.
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Is there a fee for installments?
There are no additional fees.
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What will happen if I fail pay total outstanding indebtedness before expiry of the installment period?
The Bank will charge a penalty / fine on the outstanding indebtedness at the rate of 0.2% for each day of delay.
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Are there any restrictions on the card?
Yes, it is banned to withdraw cash via ATMs in Kazakhstan and abroad and make P2P transfers.
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