| Currency | KZT |
| Amount | from 150,000 to 7,000,000 ₸ |
| Term | from 9 to 60 months |
| Loan Arrangement Fee | 6% of the loan amount + 5,000 ₸ |
| Application and Document Review Fee | 0 ₸ |
|
Application Review Time |
from 15 minutes |
|
Required Documents |
identity card* |
* The bank reserves the right to request additional documents
| Annual Reward Rate | Annual Effective Reward Rate | |
| With Fees | 21.8% - 26.0% | 26.3% - 43.1% |
| Without Fees | 37.5% | 44.6% |
Reward rates approved by the Asset and Liability Management Committee's decision (protocol №147-1 dated 22.11.2024)
This calculation is an estimate to assess your monthly credit expenses and does not constitute a commitment by the Bank to issue a credit.
We remind you that in case of borrower’s breach of obligations under the bank loan agreement and borrower’s failure to satisfy the demands arising from the Bank's notice of the need to fulfill obligations under the bank loan agreement, the Bank is entitled to apply the following measures:
In addition to the liability arising from the above measures applied by the Bank, the borrower also pays a penalty (fine, fee) in the amount determined by the bank loan agreement for violating the obligations related to insurance of the pledged asset, including renewal or extension of the insurance contract, obligations regarding the targeted use of the credit, and the violation of other non-monetary obligations in compliance with the conditions of the bank loan agreement. Moreover, the borrower reimburses the Bank for all losses exceeding the penalty associated with the borrower’s breach of obligations under the bank loan agreement and measures undertaken by the Bank in relation to debt recovery.
We inform you that if the borrower is an individual, they are entitled within thirty calendar days from the date of default on the obligation under the bank loan agreement (hereinafter referred to as the Agreement) to visit the Bank and/or submit a written application or in a manner provided by the Agreement, containing information regarding the reasons for the delay in fulfilling the obligation under the Agreement, income, and other confirmed circumstances (facts) that justify their request for amendments to the Agreement, according to 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 referred to as the Banking Law). Within fifteen calendar days after receiving the application from the individual borrower, as specified in paragraph 1-1 of Article 36 of the Banking Law, the Bank considers the changes proposed by the individual borrower to the Agreement terms and notifies the individual borrower in writing or in the manner provided by the Agreement about the following:
In case the Bank’s decision to refuse amendments to the Agreement terms is received or a mutually acceptable decision regarding amendments is not reached, the individual borrower, within 15 (fifteen) calendar days from the date of the Bank’s decision, is entitled to contact 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 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 is entitled to impose an indisputable collection on funds, including by submitting a payment demand, present in the borrower’s bank accounts (if such collection is stipulated in the Agreement), considering the limitations provided by the Banking Law.
In cases of borrower’s non-compliance with the Bank's demand for payments under the Agreement, including overdue debt, as well as the individual borrower failing to exercise rights stipulated in paragraph 1-1 of Article 36 of the Banking Law, or absence of agreement between the individual borrower and the Bank concerning the amendment of the Agreement terms, according to paragraph 2-1 of Article 36 of the Banking Law, the Bank is entitled to apply measures against the borrower prescribed by the legislation of the Republic of Kazakhstan and/or the Agreement, including but not limited to transferring the debt for pre-trial collection and settlement to a collection agency (if such a right is stipulated in the Agreement), assign the right (claim) under the Agreement to a person specified in paragraph 4 of Article 36-1 of the Banking Law, file a lawsuit to recover the debt amount under the Agreement, as well as foreclose on pledged assets out of court, except for cases provided by the Law of the Republic of Kazakhstan 'On Mortgage of Real Estate', or through judicial procedures.
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.