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CenterCredit Bank
505
Locations About the Bank
For Individuals For Business
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CenterCredit Bank
For Individuals For Business
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Отделения и банкоматы
505
24-hour phone number for private customers
605
For business customers
Weekdays — 08:00 - 00:00;
Weekends — 09:00 - 19:00;
info@bcc.kz
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Loan secured by
a real estate

Rate 23,5% – 25,5% (AEIR 26,7% – 29,2%)

Advantages

Fast
Quick loan approval, since the bank receives a guarantee in the form of real estate
Flexible
Apply for a loan with both full and indirect confirmation of income
Large-scale
Receive a large sum of money at once for large purposes
Profitable
A low interest rate and a long term will allow you to comfortably repay the loan

Large sum on favourable terms

Loan for which your real estate serves as collateral

Term: from 3 months to 10 years


Amount: up to 150,000,000 ₸

Receive consultation

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
  • Financing purpose – consumer needs;
  • Financing currency – KZT
Maximum loan amount
  • Up to 70% of the apartment value;
  • Up to 60% of the residential building value and commercial built-in premises;
  • Up to 50% of the apartment, residential building value, commercial built-in premises value with indirect confirmation of income;
  • Up to 30% of the market value of the apartment/residential building, commercial built-in premises value, if the loan amount is over 100,000,000 ₸

    *Maximum loan amount 150,000,000 ₸
Annual nominal rate of return

23,5% – 25,5% (AEIR 26,7% – 29,2%) «AEIR Calculation»

Loan terms

3 months to 120 months

Collateral

Apartments, residential houses, and commercial integrated properties are accepted as collateral

Commissions
None
Insurance
Real estate insurance, title deeds
Analysis of solvency

With official income and with indirect confirmation of income

Additional benefit

Re-pledging is possible

FAQ

Maximum amount is 150,000,000 tenge.

A loan secured by real estate can be issued for a period of 3 to 120 months.

Identity card, title documents and a real estate appraisal report.

No fee.

Apartments, residential houses, and commercial integrated properties are accepted as collateral.

Real estate in a state of disrepair, with encumbrances and arrests of third parties and organizations, with improper use of real estate, as well as real estate on the right of lease of land plots, is not accepted as collateral.

Yes. Term of the right of ownership must be at least 3 months. Exceptions are cases when:

- seller/donor of the real estate accepted as collateral by our bank acts as a guarantor or borrower;

- seller of the real estate accepted as collateral by our bank is a developer;

- seller/donor of the real estate accepted as collateral by our bank is an individual under 21 and over 65 years of age at the time of submitting an application for a loan.

- The real estate property was purchased under Bank CenterCredit mortgage programs.

Yes, for this purpose a re-pledge is issued against the existing collateral.

Re-pledge is not considered if the primary loan was issued through:
- a state loan program;
- a subsidized loan program;
- a loan program for small, medium and large businesses;
- a renewable/non-renewable credit limit.

The property assessment is carried out by an independent appraisal company.

Comprehensive insurance (property insurance/title insurance) is mandatory for 1 year. Subsequent years are at the client’s discretion.

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

The bank can consider an application with verification, as well as with indirect income.

Yes, early repayment in full or in part ahead is possible. Like monthly payments, early repayments are available online in the bcc.kz application.

Speed, quality, favorable conditions for collateral of property, money and deposit.

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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)
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.
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