Post-Loan Servicing

Requests can be submitted via the bcc.kz mobile app.

Debt repayment, Changing the repayment date, Changing the loan term, Loan deferral, Modifying collateral structure, Disputes/technical errors, Providing consent letters, Issuing certificates of outstanding loan debt or its absence, Non-standard situations (other issues) 

Depending on the type of request, processing may take up to 15 calendar days. 

Visit the nearest Bank branch or call the Call Center at 505. 

Once the technical error is confirmed and the funds are credited to your loan account: the payment will be applied according to the schedule, any accrued penalties will be waived (if applicable) and your positive credit history will remain intact. 

A fee will be charged in accordance with the Loan Agreement/ Bank’s tariffs. The final decision will be made by the Bank’s authorized body. 

Yes, fees are applied according to the Bank’s tariffs [link] 

Please call the Call Center at 505 for assistance 

It can be generated in the BCC.KZ mobile app 

In the event of the borrower’s death, a death certificate must be submitted to the Bank branch where the account is maintained. If participants in the loan agreement, relatives, or third parties are willing to assume responsibility for the deceased borrower’s obligations, a Bank representative will provide information on possible settlement options. 

Releasing a guarantor/coborrower; Releasing collateral; Replacing a guarantor/coborrower; Substituting collateral; Changing pledgers; Providing copies of documents; Processing inheritance 

Accepting additional collateral/guarantees/co-borrowers; Concluding an additional agreement 

Requests can be submitted via the bcc.kz mobile app.

Submit a request on the bank’s website via the provided link. Request type: Change of collateral structure. Request Subtype: Issuance of title documents 

Once the loan is fully repaid, the collateral release process is initiated automatically the next business day, subject to successful processing of requests by the registration authority. You will receive a push notification. You can check the status in the "Public Services" section under "Property Certificates" or "Vehicle Ownership History" in the BCC.KZ app. 

If the Bank provides consent for changes to movable/immovable property (e.g., modifications, changes in purpose, etc.), a guarantee obligation is issued. According to its terms, failure to fulfill or improper fulfillment of our obligations under the guarantee will result in a penalty of 0.2% of the loan amount for each day of delay. The guarantee can be extended for up to 90 calendar days if necessary. 

Yes, renting out property pledged as collateral to the Bank requires prior approval, regardless of whether the tenant is a resident or non-resident.