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BCC Operator – Customer Journey

BCC Operator – Customer Journey

Mortgage repayment using UPP funds

Step 1. Submit an application

Log in to your personal account at m.bcc.kz and submit an application to withdraw UPP funds. Select the purpose: PER (partial early repayment), or FPR (full early repayment).

Step 2. Wait for the funds to be credited

After the application is submitted, the funds from the UAPF will be credited to the special UPP account. You can view the amount in the UPP account in the BCC mobile app.

Step 3. Sign the application

Sign the application in your personal account at m.bcc.kz within 10 business days from the date the funds are credited, by entering the bank loan agreement number.

Step 4. Receive a PUSH notification with the amount

After signing, you will receive a PUSH notification with the amount of interest that must be available in the loan repayment account from your own funds.

Step 5. Top up the account by 18:00

Top up the loan repayment account by the amount of interest, fines and penalties by 18:00 on a business day.

Step 6. The Bank will debit the UPP funds automatically

The UPP funds will be automatically debited toward repayment of the principal debt.

The main condition is a signed application

If the application has been signed, on the scheduled payment date the principal debt will be debited from the UPP funds, even if the amount of accrued interest has not been topped up. In this case, unpaid accrued amounts will become overdue.

If PER coincides with the monthly payment date, first sign the application, then top up the account.

List of supporting documents for assignment

Mother / Father → Children

Child’s birth certificate
Identity documents of the assignor
Certificate of change of full name / marriage or divorce certificate, if the assignor or client changed their full name

Son / Daughter → Parents

hild’s birth certificate
Identity documents of the assignor
Certificate of change of full name / marriage or divorce certificate, if the assignor or client changed their full name

Husband / Wife

Marriage certificate
Documents confirming the identity of the assignor
Certificate of change of full name / marriage or divorce certificate, if the assignor or client changed their full name

Brother / Sister

Birth certificates of the assignor and the client, 2 certificates in one file
Identity documents of the assignor
Certificate of change of full name / marriage or divorce certificate, if the assignor or client changed their full name

Who is considered a close relative

Parents, including adoptive parents

Children, including adopted children

Full and half brothers and sisters

Grandfather, grandmother

Grandchildren

Please remember

From 17 April 2026, UPP funds allocated for loan repayment may be used exclusively to repay the principal debt The terms for using pension withdrawals to repay mortgage loans have changed. Interest, fines and penalties must be paid from your own funds. https://adilet.zan.kz/rus/docs/V2100022100
According to the rules, UPP funds must be used within 10 business days from the date they are credited. Otherwise, on the eleventh day, the UPP funds will be automatically returned to the UAPF.
The amount that must be covered from your own funds is updated daily. Use the amount from the latest PUSH notification or download a loan debt statement in bcc.kz in the “Loans” section.
Only the full amount triggers repayment. Partial payment is not counted.

Repayment of a Loan Issued by Bank CenterCredit Using UAPF Funds

How to Submit an Application for Assignment of Your Pension Savings

Внимание

Обновите приложение bcc.kz до версии 4.35 или выше, чтобы подавать заявки на досрочное погашение ипотеки за счёт ЕПВ прямо в приложении.

Главное условие - подписанная заявка

При её наличии в день планового платежа ОД спишется из средств ЕПВ, даже если не пополнить сумму начисленного вознаграждения. Неоплаченные начисления при этом выйдут на просрочку.  

Если ЧДП совпадает с днём ежемесячного платежа - сначала подпишите заявку, затем пополните счёт.

Помните:

С 17 апреля 2026 года средства ЕПВ, направленные на погашение кредита, могут использоваться исключительно для оплаты основного долга Изменены условия использования пенсионных выплат при погашении ипотечных займов. Проценты, штрафы и пени - из собственных средств.

Согласно правилам срок использования средств ЕПВ 10 рабочих дней с даты поступления – иначе на одиннадцатый день средства ЕПВ автоматически вернутся в ЕНПФ.

Сумма необходимая для обеспечения из собственных средств обновляется ежедневно - берите её из последнего PUSH-уведомления или в bcc.kz выгрузив справку о ссудной задолженности в разделе "Кредиты".
Только полная сумма запускает погашение - частичное внесение не считается.

How to Receive UAPF Funds

Check the available amount of your pension savings via:

UAPF website eGov.kz website

Visit any branch of Bank CenterCredit.

Submit a standard mortgage application.
Wait for the mortgage approval notification from Bank CenterCredit.

Open a special current account in the bcc.kz app.

Select the purpose and submit your application through the Bank CenterCredit website.

Bank CenterCredit sends a request to the UAPF to verify the available amount. You will then receive a notification confirming the approved one-time pension withdrawal amount.

Bank CenterCredit then submits a request to transfer the funds.

The UAPF transfers the funds to the special current account opened with Bank CenterCredit.
The mortgage is then finalized.