JAÑA Mortgage from 5% per annum
New mortgage. New home. New life.
What You Get with JAÑA Mortgage
How Interest Is Calculated Under JAÑA Mortgage
For example, you choose your housing worth ₸20 million
We have made a minimum down payment of ₸4 million (20%) into Security Deposit
The Bank issues you the full amount – ₸ 20 million
Including at the expense of your deposit
It reduces the overpayment on your loan
When the outstanding loan balance reaches ₸4 million, you can use your deposit to repay it
Steps to Your New Home
-
1Choose your housing
on the primary or secondary market in any city of Kazakhstan
-
2Submit your mortgage application
with a minimum package of documents at the bank branch
-
3Receive approval
within one hour and sign the Purchase/Sale Agreement
Useful information
| 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 - 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% |
|
| 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 Depositmeans 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). | |
FAQs
Up to 180 months, i.e., up to 15 years.
The maximum loan amount is up to ₸100,000,000.
Citizens of the Republic of Kazakhstan aged 21 to 68 at the time of loan maturity.
The purchased property and the Security Deposit.
The Security Deposit means the customer's funds placed in a savings account and used as collateral for a loan.
The temporary interest rate is applied during the period when the Security Deposit is used as collateral for the loan.
If the collateral in the form of the deposit is reduced and/or fully or partially lost for any reason, and the Borrower does not restore the lost deposit amount within three (3) business days from the date of such reduction or loss, the interest rate and the annual effective interest rate on the Loan will be set at levels not exceeding those that applied before the temporary reduction.
At the same time, the Bank may, at its discretion, apply a different rate, provided that the fixed interest rate does not exceed the rate that was in effect before the temporary rate.
There are no fees, but comprehensive real estate insurance is required according to the insurance company’s tariffs.
No, you can obtain a mortgage with indirect income verification; however, the down payment must be at least 50%.
Yes, the mortgage applies to properties on both the primary and secondary markets.
By clicking the “Confirm and Accept” button, you agree to the use of cookies in accordance with our Privacy Policy.