| Currency | KZT |
| Amount | up to 80% of the collateral value |
| Term | up to 10 years |
| Insurance | property insurance of collateral is mandatory |
| Application and documents review fee for the loan | 0 ₸ |
| Loan arrangement fee | 2% of the loan amount + 10,000 ₸ |
| List of documents for application | identity card, collateral documents* |
* The bank reserves the right to request additional documents
| Annual Reward Rate | Annual Effective Reward Rate | |
| With Fees | 20.0% - 24.0% | 22.74% - 34.75% |
| Without Fees | 30.4% | 35.0% |
The reward rates are approved by the decision of the Asset and Liability Management Committee of JSC 'Nurbank' (protocol No. 59-8 dated 05.06.2025).
This calculation is an approximate assessment of your monthly loan expenses and is not a bank commitment to provide a loan.
We remind you that in case of the borrower's breach of obligations under the loan agreement and failure to satisfy the Bank's demands arising from the notice regarding the necessity to fulfill obligations under the loan agreement, the Bank is entitled to take the following actions:
In addition to the liability resulting from the above measures taken by the Bank, a penalty (fine, fee) as determined by the loan agreement shall also be payable by the borrower for failing to fulfill obligations related to insuring the collateral and other non-monetary obligations, as well as compensating the Bank for all losses incurred beyond the penalty due to the borrower’s breaches and the operative measures taken by the Bank for debt recovery.
We inform you that if the borrower is an individual, they have the right, within thirty calendar days from the date of delay in their obligation performance under the loan agreement (hereafter - Agreement), to visit the Bank and/or submit a written application detailing the reasons for the delay, income, and other substantiated circumstances affecting the borrower's request to amend the Agreement terms, in accordance with paragraph 1-1, Article 36 of the Law of the Republic of Kazakhstan 'On Banks and Banking in the Republic of Kazakhstan' (hereafter - Banking Law). The Bank will then consider the proposed amendments within fifteen calendar days from receiving the borrower's application, as outlined in paragraph 1-1, Article 36 of the Banking Law, and notify the borrower in writing about:
If the Bank's decision results in a refusal to amend the Agreement terms, or if no mutual agreement is reached, the individual borrower has fifteen calendar days from the Bank’s decision date to apply to the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market, simultaneously notifying the Bank. If the borrower does not satisfy the Bank's payment requirements under the Agreement, including overdue debts, according to paragraph 2 of Article 36 of the Banking Law, the Bank is entitled to enforce undisputed repayment demands, including presenting payment requirements on the borrower's accounts, considering the limitations outlined in the Banking Law.
In cases where the borrower fails to meet the Bank's requirements for payment under the Agreement—particularly overdue debts—or if the individual borrower does not exercise the rights under paragraph 1-1 of Article 36 of the Banking Law, or if there's no consensus between the borrower and the Bank on modifying Agreement conditions, the Bank, in accordance with paragraph 2-1, Article 36 of the Banking Law, reserves the right to enforce measures provided by the Kazakh legislation and/or Agreement, which may include transferring the debt to a collection agency (if specified in the Agreement), assigning the claim rights under the Agreement as described in paragraph 4 of Article 36-1 of the Banking Law, initiating proceedings to claim the debt in court, and enforcing extra-judicial or judicial collateral recovery, except in cases governed by the Law of the Republic of Kazakhstan 'On Mortgages of Immovable Property.'
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.