Mortgage in Kazakhstan
Interest rate 0,1% - 22,05% (AEIR 0,1% - 25%)
Mortgage Programs
- Cash pledge - min. 20%
- Loan term: up to 15 years
Target group | Individuals who are residents of the Republic of Kazakhstan, aged 21 to 68 (at the time of loan maturity) |
Real estate | In primary and secondary housing markets. |
Interest rate | from 5 to 15,5% per annum |
Annual Percentage Rate | from 6 to 17,8% (depending on selected terms) «AEIR Calculation» |
Application review | with full or indirect income verification, a decision is made within one hour at the branch. |
Cash pledge | at least 20% of the property value with full income verification |
Loan term | up to 180 months |
Loan amount | up to ₸100,000,000 |
Maximum property value with a minimum cash pledge of 20% |
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Loan currency | KZT |
Fee for application review and loan arrangement | no fees |
Comprehensive real estate insurance | according to the tariffs of the insurance company |
| *Cash pledge is security for a mortgage loan. Interest is to be accrued on the entire loan amount. When the outstanding principal equals the pledged amount, you can use it to repay your mortgage | |
- down payment from 20%
- loan tenor up to 15 years
Intended group | Individual residents of the Republic of Kazakhstan – aged 21 - 68 (at loan maturity) |
Application processing | with full or indirect income verification |
Lending period | up to 180 months |
Loan amount | up to KZT 100 mln |
Down payment | at least 20% of the housing price |
Extra benefit | The Customer may pledge an additional collateral (residential real estate (houses, apartments)) as a down payment |
Loan currency | KZT |
Interest rate | 20,55% - 21,85% |
Annual Effective Interest Rate | 24,3% - 24,9% (depending on the terms selected) «AEIR Calculation» |
Intended use | Purchase of housing in the primary or secondary market |
Maximum housing price | The maximum cost of housing for the segment with proof of income and a down payment of 20%:
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| Application processing fee | KZT 5,000 |
Loan arrangement fee |
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- at lease 20% of the value ㅤㅤ
- loan tenor up to 15 years
Extra benefit | The Customer may pledge an additional collateral (residential real estate (houses, apartments)) as a down payment |
Loan currency | KZT |
Interest rate | 18,1% - 22,05% |
| Annual Effective Interest Rate | 24,2% - 25% (depending on the terms selected) «AEIR Calculation» |
Intended use | Purchase of housing in the primary or secondary market |
| Maximum housing price | The maximum cost of housing for the segment with proof of income and a down payment of 20%:
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| Application processing/loan arrangement fee | N/A |
| Insurance of the purchased property | according to the tariffs of the insurance company |
- at least 20% of the value ㅤㅤ
- loan tenor up to 15 years
Intended group | Individual residents of the Republic of Kazakhstan – aged 21 - 68 (at loan maturity) |
| Application processing | with full or indirect income verification |
Lending period | up to 180 months |
| Loan amount | up to KZT 80 mln |
Down payment | at least 20% of the housing price |
Loan currency | KZT |
Interest rate | 20,55% - 21,85% |
Annual Effective Interest Rate | 24,3% - 24,9% (depending on the terms selected) «AEIR Calculation» |
Intended use | Shared participation in housing construction |
| Maximum housing price | The maximum cost of housing for the segment with proof of income and a down payment of 20%:
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| Application processing fee | KZT 5,000 |
Loan arrangement fee |
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| Special conditions |
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- down payment from 20% ㅤ
- loan tenor up to 25 years
Intended group | Individual residents of the Republic of Kazakhstan – aged 18 - 68 (at loan maturity) |
Application processing | with full proof of income |
Lending period | up to 300 months |
Loan amount | up to 80% of the housing price, but within the housing price limits set for regions |
Down payment | from 20% |
Loan currency | KZT |
Interest rate | 7% |
Annual Effective Interest Rate | 7,2% «AEIR Calculation» |
Intended use | Purchase of housing in the primary market |
Maximum housing price |
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Application processing fee | N/A |
Loan arrangement fee | N/A |
Other conditions |
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| List of documents |
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- recommended deposit: Champion
- the deposit must be accumulated at least 6 months
Intended use:
Accumulative mortgage is intended for customers who are unable to prove their income with a statement from the State Center for Pension Payments (SCPP), and for those who have opened and top-up their deposit on a monthly basis.
Deposit Accumulation Period
At least 6 months
Programs
#Ipoteka
#Ipoteka Plus
#Ipoteka DDU
Deposits
Champion is a recommended deposit. It is allowed to open other deposits, but you need to pay attention to the interest accrual conditions.
Partnership programs with developers
- at least 20%ㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤ
- up to 180 months
Intended group | Individual residents of the Republic of Kazakhstan – aged 21 - 68 (at loan maturity) |
Application processing | with full proof of income and consideration of indirect income |
Lending period | up to 180 months |
Loan amount | up to KZT 100 mln |
Down payment | at least 20% of the housing price |
Loan currency | KZT |
Interest rate | 5-15,5% |
Annual Effective Interest Rate | 7,5-16,9% (depending on the terms selected) «AEIR Calculation» |
Maximum housing price | The maximum cost of housing for the segment with proof of income and a down payment of 20%:
|
| Insurance of the purchased property | according to the tariffs of the insurance company |
- at least 20% ㅤㅤ
- up to 180 months
Intended group | Individual residents of the Republic of Kazakhstan – aged 21 - 68 (at loan maturity) |
Application processing | with full proof of income and consideration of indirect income |
Lending period | up to 180 months |
Loan amount | up to KZT 80 mln |
Down payment | at least 20% of the housing price |
Loan currency | KZT |
Interest rate | 0,1-17,75% |
Annual Effective Interest Rate | 0,1-19,3% (depending on the terms selected) «AEIR Calculation» |
Intended use | Shared participation in housing construction |
Maximum housing price | The maximum cost of housing for the segment with proof of income and a down payment of 20%:
|
| Loan arrangement fee | 1% of loan amoun |
List of Developers and Residential Complexes
Branches and ATMs
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