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» 

«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 (Astana, 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: from 6% to 8,5% per annum
  • Annual effective interest rate: 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;
  • 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 11.5% 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 20 years
  • Loan rate: 13,2% per annum
  • The maximum cost of housing: up to 30 million tenge.
  • Maximum loan amount: up to 85% of the cost of housing.

"Askeri Baspana" (for military personnel and employees of the ESB)

  • Down payment: from 15%
  • Term: up to 25 years
  • Loan rate: 8% per annum
  • Loan amount: up to 100 million tenge.

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

  • Down payment: from 15 %
  • Term: up to 25 years
  • Loan rate: 8% per annum
  • Annual effective loan rate: 8.2% per annum

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
  • Annual effective loan rate: 6.2% per annum
  • Loan amount: up to 100 million tenge

новый 3

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

  • Term: up to 25 years
  • Loan rate: : 5% per annum -  with 100% financing at the expense of Local Executive bodies
  • Annual effective loan rate: 5.2% per annum
  • Loan rate: 6% per annum - with financing from mixed funds
  • 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 25 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: 13.3% per annum
  • Loan amount: up to 35 million tenge

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