Mortgage in Kazakhstan

Interest rate 0,1% - 17,7% (AEIR 0,1% - 19,9%)

Mortgage Programs

JAÑA Mortgage

- ⁠Interest rate: 3.5 -14% (APR: 3.6 - 15%)
- ⁠Cash pledge - min. 20%
- Loan term: up to 15 years

#Mortgage

- interest rate 16,8% - 17,7%, AEIR 19% - 19,9%
- down payment from 20%
- loan tenor up to 15 years

#PLUS Mortgage

- interest rate from 16,8% - 17,7%, AEIR 18,2% - 19,2%
- at lease 20% of the value ㅤㅤ
- loan tenor up to 15 years

#DDU Mortgage (DDU - Shared Construction Participation Contract)

- interest rate 16,8% - 17,7%, AEIR 19% - 19,9%
- at least 20% of the value ㅤㅤ
- loan tenor up to 15 years

7-20-25

- interest rate from 7%, AEIR 7,2%
- down payment from 20% ㅤ
- loan tenor up to 25 years

Accumulative Mortgage

- for #Ipoteka, #Ipoteka Plus, and #Ipoteka DDU programs
- recommended deposit: Champion
- the deposit must be accumulated at least 6 months

Target group	Individuals who are residents of the Republic of Kazakhstan, aged 21 to 68 (at the time of loan maturity)
Real estate	In primary and secondary housing markets.
Interest rate	from 3.5 to 14% per annum
Annual Percentage Rate	from 3.6 to 15% (depending on selected terms)
Application review	with full or indirect income verification, a decision is made within one hour at the branch.
Cash pledge	at least 20% of the property value with full income verification at least 50% of the property value with indirect income verification
Loan term	up to 180 months
Loan amount	up to ₸100,000,000
Maximum property value with a minimum cash pledge of 20%	Astana, Almaty: up to ₸50,000,000 Shymkent, Karaganda, Aktau, Atyrau, Aktobe, Ust-Kamenogorsk: up to ₸45,000,000 Other regions: up to ₸30,000,000
Loan currency	KZT
Fee for application review and loan arrangement	no fees
Comprehensive real estate insurance	according to the tariffs of the insurance company
*Cash pledge is security for a mortgage loan. Interest is to be accrued on the entire loan amount. When the outstanding principal equals the pledged amount, you can use it to repay your mortgage

Intended group	Individual residents of the Republic of Kazakhstan – aged 21 - 68 (at loan maturity)
Application processing	with full or indirect income verification
Lending period	up to 180 months
Loan amount	up to KZT 100 mln
Down payment	at least 20% of the housing price
Extra benefit	The Customer may pledge an additional collateral (residential real estate (houses, apartments)) as a down payment
Loan currency	KZT
Interest rate	16,8% - 17,7%
Annual Effective Interest Rate	19% - 19,9% (depending on the terms selected)
Intended use	Purchase of housing in the primary or secondary market
Maximum housing price	The maximum cost of housing for the segment with proof of income and a down payment of 20%: for the cities of Astana and Almaty – 50 million tenge; for the cities of Shymkent, Karaganda, Aktau, Atyrau, Aktobe, Ust-Kamenogorsk – 45 million tenge; for other regions – 30 million tenge; with a down payment of 30% or more, there are no restrictions on the cost of housing.
Application processing fee	KZT 5,000
Loan arrangement fee	1% of loan amount - for payroll card program participants; 2% of loan amount - for other customers; 2% of loan amount – if the interest rate is 17,5%

Extra benefit	The Customer may pledge an additional collateral (residential real estate (houses, apartments)) as a down payment
Loan currency	KZT
Interest rate	16,8% - 17,7%
Annual Effective Interest Rate	18,2% - 19,2% (depending on the terms selected)
Intended use	Purchase of housing in the primary or secondary market
Maximum housing price	The maximum cost of housing for the segment with proof of income and a down payment of 20%: for the cities of Astana and Almaty – 50 million tenge; for the cities of Shymkent, Karaganda, Aktau, Atyrau, Aktobe, Ust-Kamenogorsk – 45 million tenge; for other regions – 30 million tenge; with a down payment of 30% or more, there are no restrictions on the cost of housing.
Application processing/loan arrangement fee	N/A
Insurance of the purchased property	according to the tariffs of the insurance company

Intended group	Individual residents of the Republic of Kazakhstan – aged 21 - 68 (at loan maturity)
Application processing	with full or indirect income verification
Lending period	up to 180 months
Loan amount	up to KZT 80 mln
Down payment	at least 20% of the housing price
Loan currency	KZT
Interest rate	16,8% - 17,7%
Annual Effective Interest Rate	19% - 19,9% (depending on the terms selected)
Intended use	Shared participation in housing construction
Maximum housing price	The maximum cost of housing for the segment with proof of income and a down payment of 20%: for the cities of Astana and Almaty – 50 million tenge; for the cities of Shymkent, Karaganda, Aktau, Atyrau, Aktobe, Ust-Kamenogorsk – 45 million tenge; for other regions – 30 million tenge; with a down payment of 30% or more, there are no restrictions on the cost of housing.
Application processing fee	KZT 5,000
Loan arrangement fee	1% for payroll card program participants; 2% for other customers;
Special conditions	Accredited Residential Complexes are considered only List of Accredited Residential Complexes

Intended group	Individual residents of the Republic of Kazakhstan – aged 18 - 68 (at loan maturity)
Application processing	with full proof of income
Lending period	up to 300 months
Loan amount	up to 80% of the housing price, but within the housing price limits set for regions
Down payment	from 20%
Loan currency	KZT
Interest rate	7%
Annual Effective Interest Rate	7,2%
Intended use	Purchase of housing in the primary market
Maximum housing price	KZT 25 mln for the cities of Astana, Almaty and their outskirts within the boundaries as determined by the laws of the Republic of Kazakhstan; Aktau, Atyrau, Shymkent; KZT 20 mln for Karaganda and Turkestan; KZT 15 mln for other regions
Application processing fee	N/A
Loan arrangement fee	N/A

Other conditions	Absence of any residential property in the ownership Absence of any existing residential mortgage loan No participation in the Program earlier
List of documents	Identity document Apartment certificateReal property valuation report Real property valuation report Certificate of real property absence/availability (across Kazakhstan)