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Loan secured by
a deposit

KZT: +2.5% to the annual deposit rate (AERR: 10.7-35%)

USD: fixed fee 19% (AERR: 21.1-35%)

Advantages of the loan secured by a deposit
Fast
Quick processing and issuance of the loan, since the collateral is already in the bank
Simple
Minimal requirements for you, since the loan is already secured and the bank knows about your solvency
Safe
You do not risk your property, because the deposit acts as collateral
Opportunities for your savings
Your deposit works for you! Loan for which your bank deposit serves as collateral

Term: minimum — from 4 months,
maximum — deposit term minus 1 month


Amount: up to 400,000,000 ₸

Convenient loan management
Make monthly payments in the bcc.kz app

No need to visit bank or look for an ATM. Deposit money at any time in the bcc.kz application. All you need is the Internet access

Partial and full early repayment

By early repayment, you reduce the amount of monthly payments, the loan term, and the amount of interest that accrues on the remaining debt

Get a deferment

You can defer the loan payment in two ways:
by increasing the loan term for the deferment
period or leaving it unchanged

Change the loan term

If you increase the loan term, the monthly payment will decrease


If you decrease the loan term, the monthly payment will increase

Change the loan repayment date

You can change the repayment date for the current month or for the entire loan term. New date is available from 1st to 20th, except for the current date and earlier

Get a loan in a few steps
  1. 1
    Visit a bank branch
  2. 2
    Provide necessary documents
  3. 3
    Wait for a decision
Find a bank branch Find a bank branch
Loan terms and conditions
Product terms and conditions
Consumer needs
Financing currency
KZT
USD
Loan amount

Up to 90% of the collateral amount, deposit in tenge and US dollars
*Maximum loan amount 400,000,000 ₸

Rate for deposit in KZT

+2.5% to the annual deposit rate (AERR: 10.7-35%)
Rate for deposit in USD
fixed fee 19% (AERR: 21.1-35%)
Loan terms
Remaining deposit term (minimum 4 months) – 1 month
Collateral
Rakhmet and Champion deposits
Commissions
None
FAQ

Kazakhstan residents aged 21 and over can apply for a loan.

KZT: +2.5% to the annual deposit rate (AERR: 10.7-35%)

USD: fixed fee 19% (AERR: 21.1-35%)

No documents are required except for an identity card.

Visit the nearest branch of our bank, fill out the documents and wait for the bank's decision. Select a branch (link).

Yes, you can close the loan in full or in part early. Like monthly payments, early repayments are available online in the bcc.kz application.

You can apply for a payment deferment, as well as change the loan term or the loan repayment date.

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