Mortgage in Kazakhstan

Interest rate 1,2%-22,35% (AEIR 1,2%-25%)

Mortgage Programs

JAÑA Mortgage

- ⁠Interest rate: 5% – 16% (AEIR 6% – 17,7%)
- ⁠Cash pledge - min. 20%
- Loan term: up to 15 years

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#Mortgage

- interest rate 20,55%-21,85% (AEIR 23,6% – 24,8%)
- down payment from 20%
- loan tenor up to 15 years

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#PLUS Mortgage

- interest rate from 19,5%- 22.15% (AEIR 24.2%-24.8%)
- at lease 20% of the value ㅤㅤ
- loan tenor up to 15 years

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#DDU Mortgage (DDU - Shared Construction Participation Contract)

- interest rate 20,55% – 22,35% (AEIR 23,6% – 25%)
- at least 20% of the value ㅤㅤ
- loan tenor up to 15 years

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7-20-25

- interest rate from 7%, AEIR 7,2%
- down payment from 20% ㅤ
- loan tenor up to 25 years

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Accumulative Mortgage

- for #Ipoteka, #Ipoteka Plus, and #Ipoteka DDU programs
- recommended deposit: Champion
- the deposit must be accumulated at least 6 months

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List of Developers and Residential Complexes

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% – 16% per annum
Annual Effective Interest Rate (temporary)*	from 6% – 17,7% (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 - at least 50% of the real estate value – with indirect 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%	Astana, Almaty: up to ₸50,000,000 Shymkent, Karaganda, Aktau, Atyrau, Aktobe, Ust-Kamenogorsk: up to ₸45,000,000 Other regions: up to ₸30,000,000
Loan currency	KZT
Fee for application review and loan arrangement	0.5% of the loan amount Processing of the request with a fee or insurance, as chosen by the client.
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

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%: for the cities of Astana and Almaty – 50 million tenge; for the cities of Shymkent, Karaganda, Aktau, Atyrau, Aktobe, Ust-Kamenogorsk – 45 million tenge; for other regions – 30 million tenge; with a down payment of 30% or more, there are no restrictions on the cost of housing.
Application processing fee	KZT 5,000
Loan arrangement fee	1% of loan amount - for payroll card program participants; 2% of loan amount - for other customers; 2% of loan amount – if the interest rate is 17,5%

Extra benefit	The Customer may pledge an additional collateral (residential real estate (houses, apartments)) as a down payment
Loan currency	KZT
Interest rate	19,5%- 22.15%
Annual Effective Interest Rate	24.2%-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%: for the cities of Astana and Almaty – 50 million tenge; for the cities of Shymkent, Karaganda, Aktau, Atyrau, Aktobe, Ust-Kamenogorsk – 45 million tenge; for other regions – 30 million tenge; with a down payment of 30% or more, there are no restrictions on the cost of housing.
Application processing/loan arrangement fee	0.5% of the contract value of the property Processing of the request with a fee or insurance, as chosen by the client.
Insurance of the purchased property	according to the tariffs of the insurance company

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%: for the cities of Astana and Almaty – 50 million tenge; for the cities of Shymkent, Karaganda, Aktau, Atyrau, Aktobe, Ust-Kamenogorsk – 45 million tenge; for other regions – 30 million tenge; with a down payment of 30% or more, there are no restrictions on the cost of housing.
Application processing fee	KZT 5,000
Loan arrangement fee	1% for payroll card program participants; 2% for other customers;
Special conditions	Accredited Residential Complexes are considered only List of Accredited Residential Complexes

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	KZT 30 mln — for the cities of Astana, Almaty and their suburban areas (within the boundaries defined by the legislation of the Republic of Kazakhstan), as well as for the cities of Aktau, Atyrau, and Shymkent; KZT 25 mln — for the city of Karaganda; KZT 20 mln — for other regions.
Application processing fee	N/A
Loan arrangement fee	N/A

Other conditions	Absence of any residential property in the ownership Absence of any existing residential mortgage loan No participation in the Program earlier
List of documents	Identity document Apartment certificateReal property valuation report Real property valuation report Certificate of real property absence/availability (across Kazakhstan)

Mortgage in Kazakhstan

Mortgage Programs

Partnership programs with developers

List of Developers and Residential Complexes

Branches and ATMs