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

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

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

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, Nur-Sultan and their suburban areas, Shymkent, Aktau and Atyrau)

                                                       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
Orda Mortgage Program

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;

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

Rate of remunerationFixed

  • 13% per annum.

Housing Construction Savings Bank of Kazakhstan JSC

State program "Nurly Zher" (depositors and those on the waiting list of local executive bodies)

State program "Nurly Zher" (depositors and those on the waiting list of local executive bodies)

Down payment - from 20%

Loan rate - 5% per annum

Term - up to 25 years

"Bakytty otbasy" (housing for large families, single-parent families and families with or raising disabled children)

"Bakytty otbasy" (housing for large families, single-parent families and families with or raising disabled children)

Down payment - from 10% or housing certificate from the akimat

Loan rate - 2% per annum

Term - up to 20 years

Loan amount - up to 15 million tenge (Nur-Sultan, Almaty, Shymkent, Atyrau, Aktau); up to 10 million tenge (other regions)

"Own home" Buying housing in new buildings (own program of JSC "HCSBK")

"Own home" Buying housing in new buildings (own program of JSC "HCSBK")

Down payment - from 20%

Loan rate - 7% per annum

Taking into account the fulfillment of the conditions of housing savings, the rate is from 3.5% per annum

Term - up to 20 years

Standard Housing Savings (Housing Loan)

Standard Housing Savings (Housing Loan)

Accumulation period - from three years

Down payment - from 50%

Loan rate - from 3.5% to 5% per annum

Loan term - from 6 months to 25 years

Intermediate housing loan

Intermediate housing loan

Down payment - from 50%

Loan rate - from 7 to 8.5% per annum with a subsequent decrease to 5% *

Loan rate - from 5% per annum (under the "Nurly Zher" state program)

Loan term - up to 25 years

*The initial rate on the bridging loan is valid until your deposit is 3 years old, then you switch to the terms of a home loan, and the loan rate is reduced to 5%.

Preliminary housing loan

Preliminary housing loan

Down payment - from 20%

Loan rate - from 7% per annum (under the program "Own House")

Loan rate - from 5% per annum (under the "Nurly Zher" state program)

Taking into account the fulfillment of the conditions of housing savings, the rate is from 3.5% per annum

Loan term - up to 25 years

*Only within the framework of state programs and own program of "HCSBK" JSC "Own House"