«Shanyrak» (waiting lists of LEB)

Preliminary loan

• Down payment: from 10 %
• Loan rate: 5 % per annum
• Term: up to 8 years
• AEIR on the loan: 5,2 % per annum

Interim loan

• Down payment: from 50 %
• Loan rate: 5 % per annum
• Term: up to 20 years
• AEIR on the loan: 5,2 % per annum

"Bakytty otbasy" (housing for large families, single-parent families and families with or raising disabled children

Preliminary loan

• Down payment: from 10%
• Term: up to 8 years
• Loan rate: 2 % per annum
• AEIR on the loan: 2 % per annum
• Loan amount: up to 15 million tenge

Interim loan

• Down payment: from 50 %
• Term: up to 20 years
• Loan rate: 2 % per annum
• AEIR on the loan: 2 % per annum
• Loan amount: up to 15 million tenge

"Own home" Buying housing in new buildings (own program of JSC «Otbasy bank»)

Preliminary loan

• Down payment: from 20%
• Loan rate: from 7% per annum
• AEIR on the loan: 7,3 % per annum
• Taking into account the fulfillment of the conditions of housing savings, the rate is from: 3,5 -5% per annum
• Term: up to 8 years

Interim loan

• Down payment: from 50 %
• Loan rate: 6 % per annum
• AEIR on the loan: 6,2 % per annum
• Taking into account the fulfillment of the conditions of housing savings, the rate is from: 3,5 -5% per annum
• Term: up to 25 years

Standard Housing Savings (Housing Loan)

• Accumulation period: from three years
• Down payment: from 50%
• Loan rate: from 3.5% to 5% per annum;
• AEIR on the loan: from 3.6% to 6,9% per annum;
• Loan term: from 6 months to 25 years.

Intermediate housing loan

• Down payment: from 50%
• Loan term: up to 25 years
• AEIR on the loan: from 6,2 to 9.6% per annum with a subsequent decrease to 3,6-5,1%
• Loan rate: from 6,2 to 8.5% per annum with a subsequent decrease to 3,5-5%*
  *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 3,5-5%.
• Loan rate: from 5% per annum (under the "Nurly Zher" state program)

"Umai" (women's mortgage (Asian Development Bank)

• Down payment: 0%
• Term: up to 10 years
  
• Loan rate: 14,4% per annum
  
• AEIR on the loan: 15,4 % per annum
• The maximum cost of housing: up to 30 million tenge.
  
• Maximum loan amount: up to 85% of the cost of housing.
  

Preliminary loan under the program "Zhana Baspana" (for recipients of housing payments)

• Down payment: from 15 %
• Term: up to 8 years
  
• Loan rate: 8% per annum
  
• AEIR on the loan: 8.2% per annum
• Loan amount: up to 50 million tenge.

Interim loan under the Zhana Baspana program (for recipients of housing payments)

• Down payment: from 50%
• Term: up to 25 years
  
• Loan rate: 6% per annum
  
• AEIR on the loan: 6.2% per annum
• Loan amount: up to 100 million tenge

Interim loan under the Regional Lending Program within the framework of the social policy of Local Executive Bodies

• Down payment: from 50 %
• Term: up to 9 years
• Loan rate: 5 % per annum
• AEIR on the loan: 5,2 % per annum
• Loan amount: the maximum loan amount is determined by the cooperation agreement of Local Executive Bodies, depending on the region

Preliminary loan under the Regional Lending Program within the framework of the social policy of Local Executive Bodies

• Down payment: from 10 %
• Term: up to 8 years
• Loan rate: 5 % per annum
• AEIR on the loan: 5,2 % per annum
• Loan amount: the maximum loan amount is determined by the cooperation agreement of Local Executive Bodies, depending on the region

Preliminary loan under the "Green Mortgage" program

• Down payment: from 20 %
• Term: up to 10 years
• Loan rate: 12.5% per annum
• When purchasing/ acquiring and repairing housing in facilities that have a certificate of conformity not lower than the "gold" level, the remuneration rate is for::
  -waiting lists of local executive bodies -7% per annum;
  -recipients of housing payments -8% per annum.
• Annual effective loan rate: 11% per annum
• AEIR on the loan: 13,3 % per annum
• Loan amount: up to 50 million tenge

Preliminary Loan under the "Otau" Program

• Down payment: from 20 %
• Term: up to 8 years
• Loan rate: for socially vulnerable groups of the population (SVG); 9% per annum – for other citizens of the Republic of Kazakhstan
• AEIR on the loan: 7.3% per annum – for HCSS participants; 9.3% per annum – for other citizens of the Republic of Kazakhstan
• Loan amount: 36 000 000 (thirty-six million) tenge – for the cities of Astana and Almaty; 30 000 000 (thirty million) tenge – for other regions.

Preliminary Loan under the "Nauryz" Program, including the "Nauryz Zhumyssker" Direction

• Down payment: from 20% (from 10% when purchasing primary housing with final finishing)
• Loan rate: 7% per annum – for socially vulnerable groups of the population (9% per annum – for other citizens of the Republic of Kazakhstan)
• AEIR on the loan:7.1% per annum – for socially vulnerable groups of the population (9.4% per annum – for other citizens of the Republic of Kazakhstan)
• Loan amount: 36,000,000 (thirty-six million) tenge – for the cities of Astana and Almaty; 30,000,000 (thirty million) tenge – for other regions.

Preliminary Loan under the “Asyl Meken” Program

• Down payment: from 10%
• Term: up to 8 years
• Loan rate: 5 % per annum
• AEIR on the loan: 5,2% per annum
• Loan amount: up to 10 million tenge

Interim Loan under the “Zhas Otbasy” Program

• Down payment: from 50%
• Term: up to 9 years
• Loan rate: 6 % per annum
• AEIR on the loan: 6,2% per annum
• Loan amount: up to 100 million tenge