Loan secured by
a real estate

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.