Loan secured by
a real estate

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

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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 ₸

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Full Name

IIN

Phone Number**

I agree to the collection and processing of personal data

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

Visit a bank branch
2

Provide necessary documents
3

Wait for a decision

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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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Loan secured by a real estate

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