SME Real Estate Loan at JSC Nurbank | Real Estate for Business

SME Real Estate

Financing of 'Green' projects aimed at reducing negative environmental impact.*
SME Real Estate

Detailed Terms

Funding Currency

KZT, USD* and other foreign currencies as decided by the Bank's authorized body

Interest Rate
  • from 22.5% to 23.5% (APR from 25.6% to 34%)**
Type of Credit
  • Bank loan
  • Non-revolving credit line
Loan Term

Up to 120 months 

Loan Amount

Up to 1,000,000,000 ₸ or equivalent in foreign currency

Repayment Schedule
  1. Principal loan – monthly differentiated payments 
    Interest – monthly
  2. Principal loan – monthly annuity payments
    Interest – monthly
Principal Repayment

Up to 12 months (as determined by the Bank's authorized body)

Initial Payment
  • From 20% of the market value of the real estate being purchased
  • 0% — if additional collateral in the form of real estate (excluding land plots) or cash is provided
Collateral
  • Main collateral - purchased real estate
  • Real estate
  • Cash pledge
  • Guarantee from JSC "Entrepreneurship Development Fund "Damu"
Fees

According to the bank's approved tariffs***

Insurance

Property insurance for the entire loan term with annual renewal

* For clients with corresponding currency proceeds and/or whose currency risks are covered by the client's corresponding hedging instruments.

** Remuneration rates are approved by the decision of the Asset and Liability Management Committee (Annex No. 1 to Protocol No. 107-12 dated 10.10.2025).

*** Tariffs do not apply under government programs where stipulated by the agreement between the Bank and the financial agency and/or the legislation of the Republic of Kazakhstan, and/or program conditions, and/or the Bank's authorized body's decision.

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Frequently Asked Questions

What is the value of 1 digital tenge?

One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?

One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?

One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?

One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?

One digital tenge is equivalent to one tenge in both cash and non-cash forms.