| Currency | KZT |
| Amount | up to 90% of the property value approved by the Bank's authorized body |
| Initial Payment | from 10% |
| Term | up to 240 months |
| Security | acquired residential real estate |
| Issuance | upon registration of the pledge agreement with the state authorized body |
| Insurance | property insurance of the collateral is mandatory |
| Fee for Application Review and Loan Documents | 0 ₸ |
| Loan Arrangement Fee | 0.5% of the loan amount + 10,000 ₸ |
| Application Review Time | from 3 business days |
| Necessary Documents | identity card* |
* The Bank reserves the right to request additional documents
| Annual Reward Rate | Annual Effective Reward Rate | |
| With Fees | 13% - 17% | 19,6% |
| Without Fees | 18,3% |
19,9% |
Reward rates approved by the Asset and Liability Management Committee (protocol No.112-14 dated 17.10.2025).
This calculation is an approximation for estimating your monthly credit expenses and does not constitute a commitment by the Bank to issue a loan.
Please be reminded that in the event of a borrower's violation of obligations under a bank loan agreement and the borrower's failure to satisfy the Bank's demands resulting from the notice of the necessity to fulfill the obligations under the bank loan agreement, the Bank has the right to take the following measures:
In addition to liabilities arising from the aforementioned measures taken by the Bank, the borrower also pays a penalty (fine, interest) in the amount specified in the bank loan agreement for the breach of obligations related to insuring the collateral object, including the renewal or extension of the insurance contract, obligations regarding the targeted use of credit, and breaches of other non-monetary obligations in accordance with the terms of the bank loan agreement, as well as compensates the Bank for all losses in full that exceed the penalty due to the borrower's violation of obligations under the bank loan agreement and the Bank's actions in 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 fulfilling the obligation under the bank loan agreement (hereinafter - Agreement) to visit the Bank and/or submit in writing or in a manner provided by the Agreement, an application containing information about the reasons for the delay in fulfilling the obligation under the Agreement, income, and other confirmed circumstances (facts) that justify their statement for amending the Agreement, in accordance with clause 1-1 of article 36 of the Law of the Republic of Kazakhstan 'On Banks and Banking Activity in the Republic of Kazakhstan' (hereinafter - the Banking Law). In this case, within fifteen calendar days after receiving the application from the individual borrower provided for in clause 1-1 of article 36 of the Banking Law, the Bank reviews the proposed changes to the Agreement and in writing or as specified in the Agreement, informs the individual borrower about:
In case of receiving a Bank's decision to refuse changes to the Agreement or if a mutually acceptable solution to amend the Agreement is not reached, 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 the regulation and development of the financial market, while simultaneously notifying the Bank. If the borrower fails to meet the Bank's demand for payment under the Agreement, including overdue debt, according to clause 2 of article 36 of the Banking Law, the Bank has the right to indisputably seize funds, including by issuing a payment demand, available on the borrower's bank accounts (if such seizure is provided for in the Agreement), taking into account the limitations stipulated by the Banking Law.
In cases where the borrower does not satisfy the Bank's demand for payment under the Agreement, including overdue debt, and the individual borrower does not exercise the rights provided under clause 1-1 of article 36 of the Banking Law, or if there is no agreement between the individual borrower and the Bank on amending the Agreement’s terms, according to clause 2-1 of article 36 of the Banking Law, the Bank may apply measures against the borrower provided for by the legislation of the Republic of Kazakhstan and/or the Agreement, including but not limited to, transfer the debt for pre-trial recovery and settlement to a collection agency (if such a right of the Bank exists under the Agreement), assign the right (claim) under the Agreement to a person specified in clause 4 of article 36-1 of the Banking Law, file a lawsuit in court to recover the debt under the Agreement, and also seize the pledged property out of court, except in cases provided for by the Law of the Republic of Kazakhstan 'On Mortgage of Real Estate', or in a judicial manner.
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.