Private Customers
All mortgage programs

Mortgage in Kazakhstan

Interest rate 1,2% - 22,35% (AEIR 1,2% - 25%)

Mortgage Programs

JAÑA Mortgage

- ⁠Interest rate: 5% – 15,5% (AEIR 6% – 17,6%)
- ⁠Cash pledge - min. 20%
- Loan term: up to 15 years

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#Mortgage

- interest rate 20,55% – 22,35% (AEIR 23,6% – 25%)
- down payment from 20%
- loan tenor up to 15 years

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#PLUS Mortgage

- interest rate from 18,1% – 22,05% (AEIR 24,2% – 25%)
- at lease 20% of the value ㅤㅤ
- loan tenor up to 15 years

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#DDU Mortgage (DDU - Shared Construction Participation Contract)

- interest rate 20,55% – 22,35% (AEIR 23,6% – 25%)
- at least 20% of the value ㅤㅤ
- loan tenor up to 15 years

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7-20-25

- interest rate from 7%, AEIR 7,2%
- down payment from 20% ㅤ
- loan tenor up to 25 years

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Accumulative Mortgage

- for #Ipoteka, #Ipoteka Plus, and #Ipoteka DDU programs
- recommended deposit: Champion
- the deposit must be accumulated at least 6 months

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Partnership programs with developers

#MORTGAGE

- interest rate 7% – 18,75% (AEIR 8,3% – 20,9%)
- at least 20%ㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤ
- up to 180 months

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#DDU Mortgage (DDU - Shared Construction Participation Contract)

- interest rate 1,2% –18,75 % (AEIR 1,2% – 20,9%)
- at least 20% ㅤㅤ
- up to 180 months

View all term

List of Developers and Residential Complexes

Branches and ATMs

Taraz Almaty Astana Aktau Aktobe Atyrau Kyzylorda Kokshetau Kostanay Pavlodar Petropavlovsk Semey Uralsk Ust-Kamenogorsk Shymkent Zhezkazgan Karaganda Taldykorgan Jetisý Abay Aksay Aksu Aksukent Altay Аральск Atameken Ashibulak Ayagoz Baiserke Balpyk bi Balkhash Batyr Belousovka Bestobe Boralday Esik Zhanakonys Zhanaozen Zhanatas Zharkent Zholymbet Zavodskoy Zaysan Kazaly Qarasu Karatau Kaskelen Kengir Kokterek Konaev Korday Kosshy Kulan Kulsary Kurchatov Мангистау Mankent Merke Novoishimskoe Ridder Rudny Saryagash Satpayev Sekisovka Stepnogorsk Talgar Tekeli Temirtau Turkestan Uzynagash Urjar Shemonaiha Shieli Shu Shchuchinsk Ekibastuz Zhetisay Алгабас Айтеке би Khorgos Бейбарыс Khromtau Шахтинск Тобол Zhanaarka Zhanakorgan Borovoe Irgeli Отеген-Батыр Otegen Batyr Michurino Tobyl Karabulak Besagash Alatau (Zhetygen) Kargaly Zarechny Mangystau Shubar Saran Burabay Makinsk Aral Sairam Balyk Asa Menovnoy Kassym Kaysenov Beskol Tuzdybastau Panfilov Baiterek Shubarqudyk Кandyaghash Erkinqala Shalgaly Zarechnyi Terenözek Bulaevo Birlik Myrzakent Kentau Kalbatau Otenai Zashagan Glubokoe Tavricheskoe

Branches

ATMs

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Частые вопросы

Kazakh, Russian, English.

No, you can set your PIN through the mobile app:

-Select the appropriate card you want.

-Choose “Actions” -> “Settings” -> “Change PIN”.

Create a new PIN and confirm it with the SMS code.

Send an SMS to the short number 505 with the following text:

PIN (or epin) + the last 4 digits of the card number

ATMs are available at each bank branch and also outside branches. The full list of ATMs by cities in Kazakhstan can be found on the bank’s website in the “ATMs and Branches” section

You can also find this information in the mobile app or on the website bcc.kz in the “ATMs and Branches” section.

The language selection menu is located in the upper right corner on the main screen of the ATM, and at the top of the screen on the Information and Payment Terminal and the Automated Deposit Machines.

KZT denominations: 500, 1,000, 2,000, 5,000, 10,000, 20,000
RUB denominations: 5, 10, 50, 100, 200, 500, 1,000, 2,000, 5,000
USD denominations: 1, 2, 5, 10, 20, 50, 100
CNY denominations: 1, 5, 10, 20, 50, 100

Supports payment cards issued by MasterCard, VISA, and China UnionPay

When depositing money, ensure that there are no folded banknotes, coins, rubber bands, paper clips, clamps, or other foreign objects among the cash, and that the number of bills in the stack does not exceed the amount shown on the device screen during the transaction.

If the ATM has a contactless reader (NFC) and your card displays the wave symbol, you can simply tap your card, smartphone, or watch on the contactless reader to easily deposit or withdraw cash without inserting the machine.

ATMs will start accepting new banknotes within 3 to 9 months — as soon as ATM manufacturers update their firmware.

ATMs (Automated Teller Machines), Information and Payment Terminals (IPTs), Automated Deposit Machines (ADMs).

Before starting a transaction, check IPT/ADM/ATM for any unusual devices or hidden cameras. If anything looks suspicious or damaged, it is better not to use that machine. When entering your PIN, cover the keypad with your hand or bag to prevent others from seeing your code. Do not get distracted or walk away from the ATM until the transaction is fully completed. If you notice anything suspicious, immediately report it to the bank’s call center.

Yes, you need to tap your card, smartphone, or watch on the contactless reader, or insert the card into the cardreader, enter your PIN, and select “Check balance” from the menu.

You can withdraw cash, top up accounts and deposits, exchange cash currency, repay loans; check balances, and receive a payslip (available for payroll programs). A list of locations of multi-currency ATMs is available on the bank’s website in the “ATMs and Branches” section.

KZT, RUB, USD, CNY (A list of locations of multi-currency ATMs is available on the bank’s website in the “ATMs and Branches” section).

You can top up accounts and deposits in KZT, repay loans, and pay for providers’ services.

Legal entities can perform self-cash collection, and top up cards, accounts, and deposits in KZT.

After completing the transaction, an electronic receipt will be displayed on the ATM screen — it can be photographed or printed

Cash withdrawals and currency exchange services are available at the ATM for customers of other banks.

Funds are credited to the account immediately.

If an e-wallet is installed on your smartphone, you need to tap your smartphone or smartwatch on the contactless reader to start the transaction.

To withdraw money from a current account, please visit a bank branch. To withdraw money from a card, you should first apply for and activate your payment card.

No, cash withdrawals are available at ATMs of any other bank. You can find information about the fees for ATM withdrawal services on the bank’s bcc.kz website in the “Tariff rates” section.

To do this, you need to transfer funds from the deposit to the card in the app, then withdraw cash from the card using an ATM.

You can pay monthly loan installments, make partial early repayments, and fully repay your loan early via the bank’s ATMs and information-payment terminals.

ATMs support cash deposits in bundles and, depending on the model, can accept from 40 to 200 banknotes at once. The limit is displayed on the device screen during the transaction. Information and payment terminals accept cash one banknote at a time. Automated deposit machines function as bill counters and allow incremental cash deposits in bundles.

There are 2 ways of authorization at the ATM: 1. Via card (if you insert a card into the machine or attach a card, smartphone or watch to the contactless reader). In this case, it is possible to withdraw cash from the card and top up the card, account, deposit, repay a loan, view the balance, and receive a payslip (available for payroll programs). 2.By entering IIN or BIN (if you select the transaction on the main screen). When authorized via IIN, card, account, deposit top-ups, and loan repayment are available.

At the information-payment terminal you need to select the transaction on the main screen and enter IIN or BIN.

At the automated deposit machine, you need to select the transaction on the main screen and enter IIN or BIN or use card similarly to the ATM.

You can find information about fees for transactions at ATMs, terminals, and deposit machines on the website bcc.kz in the “Tariff rates” section

1.When authorized via IIN or BIN, the limit is no more than KZT 500,000 per transaction.
2. When authorized using a card, there is no limit on the amount, but The limit depends on the ATM model. The ATM can accept cash in bundles of 40 to 200 notes per transaction; the limit is shown on the screen during the transaction.

1.The withdrawal limit depends on the type of card and the set limits.
2. Depending on the model of the ATM can dispense cash in bundles of 40 to 200 notes..

1. For cards issued by other banks – a commission fee may be charged according to the fees for services of the issuing bank.
2. For Bank CenterCredit cards – the fees for ATM withdrawal services are available on the bank’s website in the “Tariff rates” section.

In this case, to begin the transaction, you need to insert the card into the card reader.

You can request a duplicate receipt at a bank branch.

You can set a new PIN in the mobile app:

1. Select the appropriate card on the main screen.
2. Select “Actions” and then “Card settings.”
3. Select “Change PIN.”
4. Enter a new PIN and confirm it with the SMS code.

To request a refund, please contact our call center at 505 (for individuals) or 605 (for legal entities).

Please contact our call center at 505 (for individuals) or 605 (for legal entities)

The card may have been inserted incorrectly, or the chip or magnetic stripe may be damaged. We recommend using the ATM’s contactless reader for authorization.

1. If the ATM is installed outside the bank branch -block the card via the mobile app and contact our call center at 505 (for individuals) or 605 (for legal entities).

2.If the ATM is installed in the bank branch– visit the bank branch within working hours and present your identity card.

Important: The card is issued only to its owner upon verification of your card and identity card.

1. Enter your IIN or insert/tap your card, smartphone, or smartwatch on the contactless reader.

2. Select the currency for the top-up.

3. Select the account to top up.

4. Insert cash according to the on-screen instructions.

5. Take a picture of the receipt.

A list of multi-currency ATM addresses is available on the bank’s website in the “ATMs and Branches” section

1.On the main ATM screen, select “Currency Exchange.”

2.Enter your IIN and select the exchange option.

3. Review the exchange terms.

4.Insert cash into the bill acceptor.

5. Review the transaction details and the amount to be disbursed.

6.Select the method to receive change (card or enter phone number).

7.Receive the purchased currency.

8. Take a picture of the receipt on the screen.

1. Insert or tap your card, smartphone, or smartwatch on the contactless reader.

2. Select “Cash withdrawals.”

3. Enter your PIN.

4. Specify the amount.

5. Take a picture of the receipt.

To exchange cash currency, you should enter your IIN on the ATM screen.

App exchange rate

The exchange rates are displayed on the ATM’s main screen.
(Note: The rate may change during the transaction.)

Yes, entering your IIN is sufficient for currency exchange.

Mon-Sat 09:00-20:00, the service is unavailable on public holidays.

Up to KZT 500,000 or the equivalent amount in foreign currency per transaction.

Region selection

Target group	Individuals who are residents of the Republic of Kazakhstan, aged 21 to 68 (at the time of loan maturity)
Real estate	In primary and secondary housing markets.
Loan Interest Rate (fixed)	21,40–22,10%
Annual Effective Interest Rate (fixed)	24,6–24,9%
Loan Interest Rate (temporary)*	from 5% – 15,5% per annum
Annual Effective Interest Rate (temporary)*	from 6% – 17,6% (depending on selected terms) «AEIR Calculation»
*Temporary interest rate shall be charged for the period during which the Security Deposit is held as collateral for the loan.
Application review	with full or indirect income verification, a decision is made within one hour at the branch.
Security Deposit	- at least 20% of the real estate value – with proof of income - at least 50% of the real estate value – with indirect proof of income
Loan term	up to 180 months
Loan amount	up to ₸100,000,000
Maximum property value with a minimum cash pledge of 20%	Astana, Almaty: up to ₸50,000,000 Shymkent, Karaganda, Aktau, Atyrau, Aktobe, Ust-Kamenogorsk: up to ₸45,000,000 Other regions: up to ₸30,000,000
Loan currency	KZT
Fee for application review and loan arrangement	no fees
Comprehensive real estate insurance	according to the tariffs of the insurance company
Security Deposit means the Customer’s funds placed in a savings account and used as collateral for the loan.
If the Loan collateral in the form of a Deposit reduces and/or is fully or partially lost for any reason, and if the Borrower fails to restore the lost deposit amount within 3 (three) business days from the date of funds reduction/loss, the interest rate and the annual effective interest rate on the Loan shall be set at the levels not exceeding those in effect prior to the temporary reduction (however, the Bank may, at its own discretion, apply a different rate, provided that that the fixed interest rate does not exceed the rate applied prior to the temporary rate).

Intended group	Individual residents of the Republic of Kazakhstan – aged 21 - 68 (at loan maturity)
Application processing	with full or indirect income verification
Lending period	up to 180 months
Loan amount	up to KZT 100 mln
Down payment	at least 20% of the housing price
Extra benefit	The Customer may pledge an additional collateral (residential real estate (houses, apartments)) as a down payment
Loan currency	KZT
Interest rate	20,55% – 22,35%
Annual Effective Interest Rate	23,6% – 25% (depending on the terms selected) «AEIR Calculation»
Intended use	Purchase of housing in the primary or secondary market
Maximum housing price	The maximum cost of housing for the segment with proof of income and a down payment of 20%: for the cities of Astana and Almaty – 50 million tenge; for the cities of Shymkent, Karaganda, Aktau, Atyrau, Aktobe, Ust-Kamenogorsk – 45 million tenge; for other regions – 30 million tenge; with a down payment of 30% or more, there are no restrictions on the cost of housing.
Application processing fee	KZT 5,000
Loan arrangement fee	1% of loan amount - for payroll card program participants; 2% of loan amount - for other customers; 2% of loan amount – if the interest rate is 17,5%

Extra benefit	The Customer may pledge an additional collateral (residential real estate (houses, apartments)) as a down payment
Loan currency	KZT
Interest rate	18,1% – 22,05%
Annual Effective Interest Rate	24,2% – 25% (depending on the terms selected) «AEIR Calculation»
Intended use	Purchase of housing in the primary or secondary market
Maximum housing price	The maximum cost of housing for the segment with proof of income and a down payment of 20%: for the cities of Astana and Almaty – 50 million tenge; for the cities of Shymkent, Karaganda, Aktau, Atyrau, Aktobe, Ust-Kamenogorsk – 45 million tenge; for other regions – 30 million tenge; with a down payment of 30% or more, there are no restrictions on the cost of housing.
Application processing/loan arrangement fee	N/A
Insurance of the purchased property	according to the tariffs of the insurance company

Intended group	Individual residents of the Republic of Kazakhstan – aged 21 - 68 (at loan maturity)
Application processing	with full or indirect income verification
Lending period	up to 180 months
Loan amount	up to KZT 80 mln
Down payment	at least 20% of the housing price
Loan currency	KZT
Interest rate	20,55% – 22,35%
Annual Effective Interest Rate	23,6% – 25% (depending on the terms selected) «AEIR Calculation»
Intended use	Shared participation in housing construction
Maximum housing price	The maximum cost of housing for the segment with proof of income and a down payment of 20%: for the cities of Astana and Almaty – 50 million tenge; for the cities of Shymkent, Karaganda, Aktau, Atyrau, Aktobe, Ust-Kamenogorsk – 45 million tenge; for other regions – 30 million tenge; with a down payment of 30% or more, there are no restrictions on the cost of housing.
Application processing fee	KZT 5,000
Loan arrangement fee	1% for payroll card program participants; 2% for other customers;
Special conditions	Accredited Residential Complexes are considered only List of Accredited Residential Complexes

Intended group	Individual residents of the Republic of Kazakhstan – aged 18 - 68 (at loan maturity)
Application processing	with full proof of income
Lending period	up to 300 months
Loan amount	up to 80% of the housing price, but within the housing price limits set for regions
Down payment	from 20%
Loan currency	KZT
Interest rate	7%
Annual Effective Interest Rate	7,2% «AEIR Calculation»
Intended use	Purchase of housing in the primary market
Maximum housing price	KZT 30 mln — for the cities of Astana, Almaty and their suburban areas (within the boundaries defined by the legislation of the Republic of Kazakhstan), as well as for the cities of Aktau, Atyrau, and Shymkent; KZT 25 mln — for the city of Karaganda; KZT 20 mln — for other regions.
Application processing fee	N/A
Loan arrangement fee	N/A

Other conditions	Absence of any residential property in the ownership Absence of any existing residential mortgage loan No participation in the Program earlier
List of documents	Identity document Apartment certificateReal property valuation report Real property valuation report Certificate of real property absence/availability (across Kazakhstan)