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Housing Construction Savings Bank of Kazakhstan JSC

Types of mortgage loans in House Construction Savings Bank of Kazakhstan

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Housing loan

In order to receive “Housing loan” you have to:

- open a deposit account in House Construction Savings Bank of Kazakhstan;

- determine the amount of agreement required for improvement of housing conditions (minimum amount of agreement amount is 500 minimum calculation indices);

- save over 3 years (minimum period of saving) and reach 50% of agreement amount, the remaining 50% you will be granted in the bank in form of housing loan;

- achieve minimum assessment index – 16.

The housing loan issue rate is 3.5% – 5% per annum

Amount: up to 100 000 000 KZT

Loan period: from 6 months to 25 years

Intermediate housing loan

If the period of your savings is less than 3 years and you have already saved 50% of the agreement amount, you have the option of applying for an intermediate housing loan.

For this purpose, you have to:

- open a deposit account in House Construction Savings Bank of Kazakhstan;

- transfer 50% of housing cost to the deposit account (in parts or as a lump sum).

The loan issue rate: from 7% to 8.5% per annum (with subsequent reduction up to 5%)

Amount: up to 90 000 000 KZT

Loan period: from 6 months to 25 years

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Preliminary housing loan

Preliminary loans are issued as part of state programs and bank’s own “My house” program.

In order to receive the preliminary loan you have to:

- open a deposit account in House Construction Savings Bank of Kazakhstan;

- save or transfer at least 20% of housing cost.

Loans under “Nurly zher” program:

Loan issue rate: from 5%

Loan amount: up to 45 000 000 KZT

Loan period: up to 8 years

Loans under “My house” program:

Loan issue rate: 7% (with subsequent reduction to 5%)

Loan amount: up to 45 000 000 KZT

Loan period: up to 8 years