| Secured loan | only in KZT |
| Amount | up to 90% of the savings account balance / pledge |
| Term | from 3 to 11 months |
| Collateral | funds transferred to a savings account / pledge |
| Loan arrangement fee | 10,000 ₸ |
| Application and loan document review fee | 0 ₸ |
|
Application review period |
from 3 working days |
|
Required documents |
identity card* |
* The bank reserves the right to request additional documents
Plus 3% to the annual return rate on deposits/collaterals, annual effective return rate from 3.0% to 20.8%.
The remuneration rate was approved by the decision of the Asset and Liability Management Committee (protocol No.27-7 dated 14.03.2018)
This calculation is an approximate estimate of your monthly loan expenses and does not constitute a commitment by the Bank to issue a loan
We remind you that in the event the borrower fails to fulfill obligations under the bank loan agreement and does not satisfy the bank's requirements arising from the bank's notice of the need to fulfill obligations under the bank loan agreement, the bank has the right to take the following measures:
In addition to liability resulting from the measures applied by the bank, the borrower is also subject to a penalty (fine, fee) as determined by the bank loan agreement for breaching obligations regarding the insurance of collateral, including the renewal or extension of the insurance contract, the obligations upon the targeted use of credit, and other non-monetary obligations as per the bank loan agreement's conditions. Additionally, the bank is reimbursed for all losses exceeding the penalty in full due to the borrower's breach of obligations under the bank loan agreement and activities conducted by the bank for debt collection.
We inform you that if the borrower is an individual, he/she has the right to visit the bank and/or submit a written application containing the reasons for the delay in obligation fulfillment under the bank loan agreement (hereafter referred to as the Agreement), incomes, and other verified circumstances (facts) that justify his/her application for amendment in the Agreement's conditions in accordance with paragraph 1-1 of Article 36 of the Law of the Republic of Kazakhstan "On Banks and Banking Activity in the Republic of Kazakhstan" (hereafter referred to as the Banking Law) within thirty calendar days from the date of default under the Agreement. Following this, within fifteen calendar days from the day of receiving the borrower's - individual - application as per paragraph 1-1 of Article 36 of the Banking Law, the bank reviews the proposed amendments by the borrower - individual - and informs the borrower - individual - in writing or by means specified in the Agreement regarding its:
If the bank's decision to refuse changes to the Agreement's conditions is received or if a mutually acceptable solution for changing conditions is not achieved, the borrower - individual - within 15 (fifteen) calendar days from the date of receiving the bank's decision has the right to apply to the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market while simultaneously notifying the bank. If the borrower fails to meet the bank's payment demands under the Agreement, including overdue debt, as per paragraph 2 of Article 36 of the Banking Law, the bank has the right to initiate a unilateral recovery action on the money, including presenting payment demands on funds present in the borrower's bank accounts (if such recovery is stipulated in the Agreement), considering restrictions outlined by the Banking Law.
In cases where the borrower fails to meet the bank's payment demands under the Agreement, including overdue debt, doesn't exercise his/her rights under paragraph 1-1 of Article 36 of the Banking Law, or if there is no agreement between the borrower - individual - and the bank on changing the Agreement's terms, as per paragraph 2-1 of Article 36 of the Banking Law, the bank has the right to apply measures stipulated by the laws of the Republic of Kazakhstan and/or the Agreement against the borrower, including, but not limited to, transferring the debt for pre-trial collection and settlement to a collection agency (if the bank's rights are stipulated in the Agreement), assign claims under the Agreement to a person specified in paragraph 4 of Article 36-1 of the Banking Law, file a lawsuit in court to recover the debt amount under the Agreement, and take recourse on pledged property through an extra-judicial procedure, except in cases provided by the Law of the Republic of Kazakhstan "On Mortgage of Real Estate", or through a judicial procedure.
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.