Mortgage in Kazakhstan
Interest rate 1,2% - 21,95% (AEIR 1,2% - 24,8%)
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. |
| Loan Interest Rate (fixed) | 21,40–22,10% |
| Annual Effective Interest Rate (fixed) | 24,6–24,9% |
Loan Interest Rate (temporary)* | from 5% – 15,5% per annum |
Annual Effective Interest Rate (temporary)* | from 6% – 17,6% (depending on selected terms) «AEIR Calculation» |
| *Temporary interest rate shall be charged for the period during which the Security Deposit is held as collateral for the loan. | |
Application review | with full or indirect income verification, a decision is made within one hour at the branch. |
Security Deposit | - at least 20% of the real estate value – with proof of income |
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 |
| Security Deposit means the Customer’s funds placed in a savings account and used as collateral for the loan. | |
| If the Loan collateral in the form of a Deposit reduces and/or is fully or partially lost for any reason, and if the Borrower fails to restore the lost deposit amount within 3 (three) business days from the date of funds reduction/loss, the interest rate and the annual effective interest rate on the Loan shall be set at the levels not exceeding those in effect prior to the temporary reduction (however, the Bank may, at its own discretion, apply a different rate, provided that that the fixed interest rate does not exceed the rate applied prior to the temporary rate). Go to the JAÑA Mortgage page Learn more about JAÑA 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 | 23,6% – 24,8% (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%-21,95% |
| Annual Effective Interest Rate | 23,9%-24,8% (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% – 22,35% |
Annual Effective Interest Rate | 23,6% – 25% (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%:
|
| 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 | 7% – 18,75% |
Annual Effective Interest Rate | 8,3% – 20,9% (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%:
|
| Loan arrangement fee | 0,5% of loan amoun |
- 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 | 1,2% –18,75 % |
Annual Effective Interest Rate | 1,2% – 20,9% (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%:
|
| Loan arrangement fee | 0,5% of loan amoun |
List of Developers and Residential Complexes
Branches and ATMs
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