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

Additionally, we inform you that by the Decree of the Government of the Republic of Kazakhstan No. 736 dated September 23, 2022, the State program of housing and communal Development "Nurly Zher" for 2020 - 2025 has been put on loss, also the national project "Strong regions - the driver of the country's development" has become invalid by the Decree of the Government of the Republic of Kazakhstan dated September 22, 2023 No. 828 (effective from 01.01.2024) in this regard, it is necessary to amend the Order approving the structure of the Holding's Internet resource.

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