| Currency | KZT |
| Amount | up to 80% of the collateral value |
| Term | up to 10 years |
| Collateral | residential or commercial property |
| Insurance | property insurance of the collateral is mandatory |
| Application and document review fee | 0 ₸ |
| Loan arrangement fee | 2% of the loan amount + 10,000 ₸ |
| Document list for application | identity document, collateral documents* |
* The bank reserves the right to request additional documents
| Annual Reward Rate | Annual Effective Reward Rate | |
| With Commissions | 21.0% - 24.0% | 23.94% - 34.75% |
| Without Commissions | 30.4% | 35.0% |
Reward rates are approved by the Asset and Liability Management Committee decision (protocol No. 59-8 dated 05.06.2025)
This calculation is an approximate assessment of your monthly loan expenses and does not constitute a Bank's obligation to issue a loan.
In cases of non-fulfillment and/or improper fulfillment by the borrower of obligations under the Agreement, the Bank has the right to:
We remind you that in case of the borrower's breach of obligations under the bank loan agreement and failure to satisfy the Bank's requirements arising from the Bank's notification on the necessity to fulfill obligations under the bank loan agreement, the Bank may apply the following measures:
In addition to responsibility arising from the above measures applied by the Bank, the borrower also pays penalties (fines, fees) as determined by the bank loan agreement for breach of obligations related to the insurance of collateral, including renewal or extension of the insurance contract, obligations on the targeted use of the loan, and breach of other non-monetary obligations in accordance with the terms of the bank loan agreement; furthermore, the Bank is reimbursed for all losses in full amount beyond penalties, associated with the borrower's breach of obligations under the bank loan agreement and the Bank's actions related to debt collection.
We inform you that if the borrower is an individual, they have the right within thirty calendar days from the date of the liability default under the bank loan agreement (hereafter referred to as the Agreement) to visit the Bank and/or submit in writing or in a manner provided for by the Agreement, an application containing information on the reasons for the default under the Agreement, income, and other verified conditions (facts) justifying their request for amendments to the Agreement terms, in accordance with paragraph 1-1 of Article 36 of the Law of the Republic of Kazakhstan "On Banks and Banking Activities in the Republic of Kazakhstan" (hereinafter the Banking Law). The Bank shall, within fifteen calendar days after receiving the application submitted by the individual borrower pursuant to paragraph 1-1 of Article 36 of the Banking Law, review the changes proposed by the individual borrower to the Agreement terms and inform the individual borrower in writing or by the method provided for by the Agreement about:
In the event of receiving a Bank decision refusing to change the Agreement terms or failing to reach a mutually acceptable decision to change the Agreement terms, the individual borrower has the right within 15 (fifteen) calendar days from the date of receiving the Bank's decision to contact the Agency of the Republic of Kazakhstan for financial market regulation and development with simultaneous notification of the Bank. If the borrower fails to satisfy the Bank's demand for payment under the Agreement, including overdue debt, in accordance with paragraph 2 of Article 36 of the Banking Law, the Bank has the right to unilaterally seize funds, including by presenting payment demands, available in the borrower's bank accounts (if such seizure is stipulated in the Agreement), within the limitations provided by the Banking Law.
In cases where the borrower fails to satisfy the Bank's demands for payment under the Agreement, including overdue debt, and does not exercise the rights of the individual borrower provided for in paragraph 1-1 of Article 36 of the Banking Law, or there is no agreement between the individual borrower and the Bank on amending the Agreement terms, in accordance with paragraph 2-1 of Article 36 of the Banking Law, the Bank may apply measures provided by the laws of the Republic of Kazakhstan and/or the Agreement in relation to the borrower, including, but not limited to, transferring debt for pre-trial collection and settlement to a collection agency (if such Bank's right is provided in the Agreement), assigning the right (claim) under the Agreement to a person specified in paragraph 4 of Article 36-1 of the Banking Law, filing a lawsuit to recover debt under the Agreement, and also enforce collateral extrajudicially, except for cases provided by the Law of the Republic of Kazakhstan "On Mortgage of Real Estate," or judicially.
The decision to approve unsecured loans is made by the Bank's automated system or an authorized collegial body. Bank managers and employees do not participate in this process and cannot influence the decision. In each case, the decision is made individually and depends on your credit history and solvency.
The payment can be made through the Nur24.kz mobile app, Nurbank terminals, as well as through the cash desks in the Bank's branches.
The minimum term is 12 months, the maximum term is 60 months.
The maximum amount for external refinancing is up to 7,000,000 tenge.
Loans are considered and granted only to residents of Kazakhstan. The bank considers the possibility of granting loans to non-residents of Kazakhstan if they have a residence permit.
The confirmed income must be at least 150,000 (one hundred fifty) thousand tenge. In each specific case, the decision is made individually and depends on the quality of the credit history and your creditworthiness.
Yes. In this case, repayment will occur according to the payment schedule.
For unsecured loans:
For secured loans:
* The bank reserves the right to request additional documents.
You can find out the date of the first loan payment in the Nur24.kz app and in the payment schedule of the loan agreement.
No, there is no commission for early loan repayment. However, the minimum amount for partial early repayment must be at least 3 (three) monthly payments. The number of partial early repayments is not limited.
No. For this, you need to contact the Bank's loan manager
You need to contact the credit manager to submit a request to change loan terms.
To do this, you need to contact the Bank's credit manager to clarify the terms and amount of early repayment.
You need to contact the nearest Bank branch or call the Contact Center at 2552. After confirming the technical failure and crediting the funds to the credit account, the payment will be settled according to the schedule, any penalty (if applicable) will be annulled, and a positive credit history will be maintained.
You can find out the monthly payment amount in the Nur24.kz mobile app, as well as in the payment schedule for the loan agreement.
The Bank notifies of a delay in fulfilling obligations and the need to make payments no later than 20 calendar days from the date it occurs, in the manner stipulated in the Bank loan agreement.
Missing a payment can negatively impact your credit history. Remember to repay your loan on time. In case of a missed payment, the Bank imposes fines/penalties in accordance with the terms of the bank loan agreement.
We recommend you to repay the overdue debt.
You need to update your personal information. Please visit the nearest Bank branch or notify the Bank in writing.
No. At present, all loans are processed through the branches of Nurbank.
Yes, Nurbank offers its own mortgage lending program for purchasing secondary housing.
The initial appraisal of collateral is performed by independent appraisal organizations. The secondary appraisal is conducted by the Bank's branch appraisal service by visiting the location of the collateral to determine the adequacy of the independent appraiser's valuation.
Yes, the Bank offers refinancing for loans from other banks, provided there are no overdue debts. To refinance, please visit the nearest branch.
From 21 years of age until reaching retirement age.
Yes, our Bank offers several car loan programs:
For the purchase of a new car from partner dealerships;
For the purchase of a used car.
To consider a loan application, you need to contact a Bank branch.