New refinancing program for anyone who borrowed a security loan from another bank and has a good credit history of more than six months!

Dear borrowers!
If you have a mortgage loan or a credit facility with any bank, but you are unsatisfied with high interest rates, amount of credit or its length, BTA Bank has devised especially for you new unique conditions to refinance your mortgage or credit facility!

What does it mean to refinance your loan?

This means that you transfer your loan from another bank to BTA that offers better conditions and become a client of BTA Bank.


  1. You can cut a loan interest;
  2. You can extend the term to maturity of the loan;
  3. You can increase the amount of loan;
  4. You can reduce monthly payments owed on the loan;
  5. You do not have to pay any fee for switching to BTA.

Terms and conditions of refinancing:

  1. refinanced loan – is a mortgage loan or consumer loan secured by the pledge of real estate issued by any bank in Kazakhstan;
  2. loan interest:
    • mortgage loan – above 15%*;
    • credit facility – above 18%**;
  3. currency – tenge and USD;
  4. income confirmation – not required;
  5. maximum amount of loan – up to 70% of the assessed value of the security;
  6. no origination fee and no fee for arrangement of the first piece;
  7. sound credit history:
    • at most 1 (one) monthly delay for at most 3 (three) days over past 6 (six) months;
    • at most 1 (one) monthly delay for at most 3 (three) – 5 (five) days over past 12 (twelve) months.
Certificate of State Re-registration of Legal Entity, issued by the RK Ministry of Justice on 24 January, 2008