| Purpose | payment for education at universities (bachelor's degree)* that conduct educational activities in the Republic of Kazakhstan. Study format – full-time/part-time/distance learning |
| Currency | KZT |
| Amount | determined based on the cost of education, not exceeding 5,000,000 ₸ |
| Term | from 12 to 120 months |
| Security | guarantee of JSC "Financial Center" |
| Grace Period | deferral of principal repayment until full completion of university studies plus 6 months from the completion date, deferral of interest payment is not provided |
| Loan Arrangement Fee | 1.5% of the tranche amount + 4,000 ₸ |
| Credit Provision |
in tranches under an open credit line for each semester by transferring to the university's account |
| Document List |
identity document** |
* except for Caspian University (Education Institution "Caspian Public University")
** The bank reserves the right to request additional documents
| Annual Reward Rate | Annual Effective Reward Rate | |
| With Fees | 21,5% | 24,08% - 27,93% |
| Without Fees | 30,4% | 35,0% |
Reward rates are approved by the decision of the Asset and Liability Management Committee (protocol No.112-14 from 17.10.2025).
for prospective students - borrower's Unified National Testing (UNT) / Comprehensive Testing (CT) certificate (original/notarized copy)
for prospective students in specialties requiring special or creative preparation - copy of UNR/CT certificate (Kazakh or Russian language, History of Kazakhstan) and results of special (creative) exams
for current students - original transcript or certificate issued by the university showing average performance, including information about specialty, course, and form of study
for those admitted with higher education - diploma and its appendix or entrance exams results (original / notarized copy)
This calculation is an approximation for estimating your monthly loan expenses and does not constitute a commitment from the Bank to grant a loan.
Please note that, in the event of a borrower's default on the banking loan agreement and failure to meet the requirements arising from the Bank's notice to fulfill obligations under the banking loan agreement, the Bank may take the following measures:
In addition to the liability arising from the above measures taken by the Bank, the borrower also pays a penalty (fine, charge) in the amount set by the banking loan agreement for violation of obligations regarding the insurance of the pledged property, including renewal or extension of the insurance contract, obligations for the targeted use of the credit, and breach of other non-monetary obligations in accordance with the banking loan agreement. The Bank is also compensated for all losses exceeding the penalties arising from the borrower's breach of obligations under the banking loan agreement and the actions taken by the Bank to recover the debt.
We notify you that if the borrower is an individual, they have the right, within thirty calendar days from the date of default on a banking loan agreement obligation (hereinafter - the Agreement), to visit the Bank and/or submit a written statement or through a method specified in the Agreement, containing information on the reasons for the default, income, and other confirmed circumstances (facts) that justify their request for changes to the Agreement conditions, 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 Law on Banks). Within fifteen calendar days after receiving such a statement from the borrower - an individual, the Bank will review the proposed changes to the Agreement conditions and notify the borrower - an individual in writing or through a method specified in the Agreement about:
In the event of the Bank's decision to reject changing the Agreement conditions or failure to reach a mutually acceptable solution, the borrower - an individual, within 15 (fifteen) calendar days from the date of receiving the Bank's decision, has the right to appeal to the Agency of the Republic of Kazakhstan for the Regulation and Development of the Financial Market, concurrently notifying the Bank. If the borrower fails to meet the Bank's requirement to make payments under the Agreement, including overdue debt, in accordance with paragraph 2 of Article 36 of the Law on Banks, the Bank may enforce the pending claim without dispute on the borrower's funds, including by submitting a payment demand, identified on the borrower's bank accounts (if such recovery is provided for in the Agreement), considering the restrictions established by the Law on Banks.
In cases where the borrower fails to meet the Bank's requirement to make payments under the Agreement, including overdue debt, and does not exercise the rights provided by paragraph 1-1 of Article 36 of the Law on Banks, or in the absence of agreement between the borrower - an individual and the Bank on changing the Agreement conditions, in accordance with paragraph 2-1 of Article 36 of the Law on Banks, the Bank may apply measures to the borrower provided by the legislation of the Republic of Kazakhstan and/or the Agreement, including but not limited to transferring the debt for pre-judicial collection and settlement to a collection agency (if such right of the Bank is available in the Agreement), assigning the right (claim) under the Agreement to the person specified in paragraph 4 of Article 36-1 of the Law on Banks, filing a lawsuit to recover the debt amount under the Agreement, as well as foreclosing the pledged property out of court, except for cases provided by the Law of the Republic of Kazakhstan "On Mortgage of Real Estate", or through judicial proceedings.
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.
In the “Accounts” section, select the required account and top it up using your Nurbank card.
No commission is charged if the terminal is located in a Bank branch.
The terminal addresses are listed on the website.
The borrower’s IIN is required to make a payment.
How to complete the operation:
Commission — 1%.
The terminal addresses are listed on the website.
The borrower’s IIN is required to make a payment.
How to complete the operation:
Commission according to the sender bank’s tariffs.
You can view the account details in the Nur24.kz mobile app.
How to complete the operation:
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.