Types of Loans in "Kazakhstan Housing Company" JSC
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
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
"Umai" (women's mortgage (Asian Development Bank)
Down payment: from 15%
Term: up to 25 years
Loan rate: 12% per annum
Loan amount: up to 30 million tenge
"Askeri Baspana" (for military personnel and employees of the ESB
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