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Types of Loans in "Kazakhstan Mortgage Company" MO" JSC

Аренда с выкупом по программе «Нұрлы Жер» для граждан социально уязвимых слоев населения

Rent-to-Own under Nurly Zher Program for the Citizens out of Vulnerable Groups of Population

Down payment: none

Rental period: up to 240 months

Rental cost per month: 1 120 KZT per 1 sq. meter (in the cities of Almaty and Nur-Sultan)

                                                       924 KZT per 1 sq. meter in other regions of Kazakhstan

  • After the rental period expiration, the property shall be owned by the tenant;
  • Early repurchase of rental housing is possible;
  • Involvement of guarantors in case of insufficient incomes is possible;
  • Accommodation shall be commissioned in fine finishing
Аренда с выкупом по программе «Нұрлы Жер» для работников сферы образования и медицины

Rent-to-Own under Nurly Zher Program for the Employees in the Field of Education and Healthcare

Down payment: none

Rental period: up to 240 months

Rental cost per month: 1 455 KZT per 1 sq. meter (in the cities of Almaty and Nur-Sultan)

                                                       1 232 KZT per 1 sq. meter in other regions of Kazakhstan

  • After the rental period expiration, the property shall be owned by the tenant;
  • Early repurchase of rental housing is possible;
  • Involvement of guarantors in case of insufficient incomes is possible;
  • Accommodation shall be commissioned in fine finishing
Ипотечная программа «Орда»

Orda Mortgage Program

Loan currency: KZT

Loan amount:

  • Minimum amount – 1 000 000 KZT.
  • Maximum amount – 65 000 000 KZT.

Loan period: up to 240 months.

Down payment*:

  • 30% and more of the cost of an apartment being purchased in case of complete confirmation of the Borrower’s incomes;
  • 50% and more of the cost of an apartment being purchased in case of partial confirmation of incomes.

*The down payment may be replaced by an additional pledge in the form of real estate owned by the borrower or third parties.

Interest RateFixed

  • in case of complete confirmation of incomes - 12% per annum.
  • in case of partial confirmation of incomes - 14% per annum.

Housing Construction Savings Bank of Kazakhstan JSC

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Housing loan

In order to receive “Housing loan” you have to:

- open a deposit account in House Construction Savings Bank of Kazakhstan;

- determine the amount of agreement required for improvement of housing conditions (minimum amount of agreement amount is 500 minimum calculation indices);

- save over 3 years (minimum period of saving) and reach 50% of agreement amount, the remaining 50% you will be granted in the bank in form of housing loan;

- achieve minimum assessment index – 16.

The housing loan issue rate is 3.5% – 5% per annum

Amount: up to 100 000 000 KZT

Loan period: from 6 months to 25 years

Intermediate housing loan

Intermediate housing loan

If the period of your savings is less than 3 years and you have already saved 50% of the agreement amount, you have the option of applying for an intermediate housing loan.

For this purpose, you have to:

- open a deposit account in House Construction Savings Bank of Kazakhstan;

- transfer 50% of housing cost to the deposit account (in parts or as a lump sum).

The loan issue rate: from 7% to 8.5% per annum (with subsequent reduction up to 5%)

Amount: up to 90 000 000 KZT

Loan period: from 6 months to 25 years

Preliminary housing loan

Preliminary housing loan

Preliminary loans are issued as part of state programs and bank’s own “My house” program.

In order to receive the preliminary loan you have to:

- open a deposit account in House Construction Savings Bank of Kazakhstan;

- save or transfer at least 20% of housing cost.

Loans under “Nurly zher” program:

Loan issue rate: from 5%

Loan amount: up to 45 000 000 KZT

Loan period: up to 8 years

Loans under “My house” program:

Loan issue rate: 7% (with subsequent reduction to 5%)

Loan amount: up to 45 000 000 KZT

Loan period: up to 8 years