What is a real estate secured loan?
A loan secured by real estate for consumer purposes.
The property used as collateral may be an apartment, a residential house, or built-in commercial real estate. The tenor ranges from 3 months to 10 years.
Why choose a loan secured by real estate?
How to apply for a loan
What you’ll need
To apply for the loan, you will need:
- an identity document
- title documents for the real estate
- a property valuation report issued by an independent appraisal company
Apply for a real estate-secured loan online
via the bcc.kz app
t's convenient and takes just a few minutes
Loan terms and conditions
| Product terms and conditions |
|
| Maximum loan amount |
*Maximum loan amount 150,000,000 ₸ |
| Annual nominal rate of return | 24,0%–26,0% (AEIR 27,1%–29,7%) «AEIR Calculation» |
| Loan terms | 3 months to 120 months |
| Collateral | Apartments, residential houses, and commercial integrated properties are accepted as collateral |
| Commissions | For arranging a loan (if insurance is declined) – 0.5 per cent of the loan amount |
| Insurance | Real estate insurance, title deeds |
| Analysis of solvency | With official income and with indirect confirmation of income |
| Additional benefit | Re-pledging is possible |
| About the Borrower's Liability | |
Convenient loan management
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
By early repayment, you reduce the amount of monthly payments, the loan term, and the amount of interest that accrues on the remaining debt
You can defer the loan payment in two ways:
by increasing the loan term for the deferment
period or leaving it unchanged
If you increase the loan term, the monthly payment will decrease
If you decrease the loan term, the monthly payment will increase
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
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.
For arranging a loan (if insurance is declined) – 0.5 per cent of the loan amount
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.
Minimum term of ownership
• Ownership of the property must have been in place for at least 3 months at the time of submitting the loan request under the Deed of Gift;
• Ownership of the property must have been in place for at least one month at the time of submitting the loan request under the Sale and Purchase Contract (subject to the mandatory requirement for a notarised declaration from the seller confirming full payment, provided that the transaction period is less than three months).
• Under Sale and Purchase Contracts (SPCs), it is mandatory to request from the borrower/pledgor a notarised Declaration or Agreement confirming full settlement from the seller of the property within a period of not less than 1 month and not more than 3 months;
Exceptions
• The seller or grantor of the property accepted as collateral by the bank acts as either a guarantor or a borrower.
• The seller of the property accepted as collateral by the bank is the developer.
• The seller or grantor of the property accepted as collateral by the bank is an individual aged under 21 or over 65 at the time of submitting the loan application.
• The property was purchased under the Bank’s 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, and favorable terms for secured loans
Yes, a loan secured by an apartment can be arranged entirely online. If a residential house or commercial property is provided as collateral, only pre-approval of the application is available online.