Refinancing of unsecured loans
Interest Rate 16-38% (AEIR 36,35-46%)
Refinancing terms and benefits
Refinancing of an existing unsecured loan issued in KZT at another second-tier bank
Refinancing terms and conditions
| Loan currency | KZT |
| Interest rate | Interest Rate 16-38% (AEIR 36,35-46%) «AEIR Calculation» |
| Loan amount | Up to KZT 8,000,000 |
| Loan tenor | Up to 60 months |
Loan arrangement fees | 5% |
| Borrower Eligibility Requirements | The individual's uninterrupted length of service must be at least 6 (six) months, no current overdue debts on the refinanced loan, and on other liabilities (if any). |
| Life Insurance | 5% of the loan amount |
| About the Borrower's Liability | |
* AEIR from 36,35%
The Bank may request an additional package of documents
Frequently Asked Questions
The decision on Refinancing is made by the Bank's automated system, the Bank employees are not involved in this process and cannot influence the decision. In each specific case the decision is made individually and depends on your credit history and solvency.
Payment can be made on the BCC.KZ mobile app, via terminals and ATMs of the Bank and Kassa24, Yurta, as well as in JSC Kazpost offices
It is allowed to refinance unsecured loans from other second-tier banks (STBs), and additional financing is possible after refinancing from other STBs.
The total amount of refinancing and new funding must not exceed the maximum amount. The Borrower's loans to other STBs, with the loan tenor over 3 months, for which at least 3 (three) months have passed from the disbursement date at the time of application to the Bank, are subject to refinancing.
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