Types of Loans in "Kazakhstan Housing Company" JSC
Rent with purchase under the "Nurly Zher" program for those on the waiting list for LEB
- Down payment: none
- Rental period: up to 240 months.
- Rental rate: 3.1% per annum;
- 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
- Down payment: none
- Rental period: up to 240 months.
- Rental rate: 3.1% per annum;
- 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
- Loan currency: KZT
- Loan period: up to 240 months.
- Loan amount:
- Minimum amount – 1 000 000 KZT.
- Maximum amount – 65 000 000 KZT.
- Rate of remuneration – Fixed: 13% per annum.
- Down payment*: 30% and more of the cost of an apartment;
*the down payment can be replaced by additional collateral in the form of real estate owned by the borrower or third parties.
Housing Construction Savings Bank «Otbasy Bank»
State program "Nurly Zher" (depositors and those on the waiting list of LEB)
- Down payment: from 20 %
- Loan rate: 5 % per annum
- Term: up to 25 years
«Shanyrak» (waiting lists of LEB)
- Down payment: from 10 %
- Loan rate: 5 % per annum
- Term: up to 20 years
"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
- Term: up to 20 years
- Loan rate: 2 per annum
- 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 «Otbasy bank»)
- 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)
- 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
- Down payment: from 50%
- Loan term: up to 25 years
- Loan rate: from 7 to 8.5% per annum with a subsequent decrease to 5% *
*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%.
- Loan rate: from 5% per annum (under the "Nurly Zher" state program)
Preliminary housing loan
- Down payment: from 20%
- Loan term: up to 25 years
- Loan rate: from 7% per annum (under the program "Own House")
*Only within the framework of state programs and own program of «Otbasy bank» JSC "Own House"
- Loan rate: from 5% per annum (under the "Nurly Zher" state program)
- Subject to the fulfillment of the conditions of housing savings rate: from 3.5% per annum
