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About the program


Credit conditions under the “Universal Faculty” program

  • Minimum credit period – not fixed;
  • Maximum credit period - 10 years;
  • Penalties for advanced repayment - none;
  • Currency of a credit – tenge, US dollar, euro;
  • Security on loan – warranty obligation of Financial Center JSC or real estate (apartment/residential house) or deposit in BTA Bank JSC;
  • Maximal amount of tranche – depends on the level of solvency of the Borrower/Co-borrower and provided pledge (apartment, residential house, deposit), but not more than total amount of payment in the educational establishment. Maximal amount of loan in case of lending within the territory of the Republic of Kazakhstan is not more than KZT 3,000,000 (or its equivalent in currency).

* A Guarantee from "Financial Center" JSC is effective only in Kazakhstan
BTA is responsible for all the contacts with the Financial Center.

The program is designed especially for you if you are:

  • A school-leaver at the age from 16 till 40 and you have already received a UNT* certificate or a school-leaving certificate;
  • A student at the age from 16 till 40 and you have the results of your latest exams (a transcript or average grades certificate for the latest semester is required for the universities located far abroad).

* UNT – Unified National Test

Additional conditions for those who want to study in Russia and far abroad:

  • The pledge (an apartment or a house) is obligatory;
  • The Borrower is to submit an invoice (a document which indicates the total cost of studying). The cost of living, meals and insurance can also be included in the total sum if the Borrower is going to study in Moscow, St. Petersburg, Novosibirsk and far abroad, provided that these sums are included in the invoice. The money is transferred to the account of the chosen educational institution in one tranche under the Borrower's application.;
  • All documents submitted by the Borrower in foreign languages are to be translated into the Kazakh or Russian language. The translation must be notarized. The expenses are born by the Borrower.

A sample of the monthly payments calculation under the "Universal Faculty" program

Studying in Kazakhstan
With a “Guarantee” deposit Without a “Guarantee” deposit
Total sum of the loan 1 000 000 tenge 1 000 000 tenge
Sum per semester 125 000 tenge 125 000 tenge
Period of study 4 years 4 years
Grace period 4 years + 6 months (54 months) 4 years + 6 months (54 months)
Credit period 10 years (120 months) 10 years (120 months)
Annual percentage rate* 13%* 8,0%

* Effective interest rate – from 14,01%

Grace period Indication of the period The sum of a monthly pay-ment in tenge
without a “Guarantee” deposit
The sum of a monthly pay-ment in tenge
with a “Guarantee” deposit
+ 1st semester (6 months) 1 354 833
+ 2nd semester (6 months) 2 708 1 667
+ 3rd semester (6 months) 4 063 2 500
+ 4th semester (6 months) 5 417 3 333
+ 5th semester (6 months) 6 771 4 167
+ 6th semester (6 months) 8 125 5 000
+ 7th semester (6 months) 9 479 5 833
+ 8th semester (6 months) 10 833 6 667
+ 6 months after the end of period of study 10 833 6 667
- the rest of the credit period 21 287 18 778



Studying far abroad
Without a “Guarantee” deposit With a “Guarantee” deposit
Total sum of the loan 15 000 US dollars 15 000 US dollars
Sum per semester 3750 US dollars 3750 US dollars
Period of study 2 years 2 years
Grace period 2 years + 6 months 2 years + 6 months
Credit period 10 years (120 months) 10 years (120 months)
Annual percentage rate* 17,0%* 8,0%

* Effective interest rate – from 18,79

Grace period Indication of the period The sum of a monthly payment in tenge
without a “Guarantee” deposit
The sum of a monthly payment in tenge
with a “Guarantee” deposit
+ 1st semester (6 months) 53 25
+ 2nd semester (12 months) 106 50
+ the rest of the credit period 296 222
Certificate of State Re-registration of Legal Entity, issued by the RK Ministry of Justice on 24 January, 2008