Repayment terms for mortgage borrowers:

In case of partial early repayment

1. The client must apply to the KHC with a statement of the established sample, indicating the amount of early repayment.
2. Deposit the specified amount to your account on the day of sending the application.
3. After the call from the credit manager confirming the approval of the application, visit the Company's office to sign a new payment schedule.

With full early repayment

1. The client needs to specify the amount for full repayment, as well as the amount for processing the application.
2. Deposit money to your personal account.
3. Send a standard application to the KHC.
4. After calling the loan manager, visit the Company's office to obtain the title documents for the property. 

Attention! For clients living in the regions, the deadline for signing a contract for the transfer of a real estate object to ownership, as well as receiving original documents, can range from 3 to 7 working days, depending on the location of the region.

All applications for full early and partial early repayment are accepted by e-mail info@khc.kz .

DOWNLOAD THE APPLICATION FOR PARTIAL EARLY REPAYMENT (MORTGAGE)

DOWNLOAD THE APPLICATION FOR FULL EARLY REPAYMENT (MORTGAGE)

Repayment terms for leases with foreclosure:

In case of partial early repayment

1. The client must apply to the KHC with a statement of the established sample, indicating the amount of early repayment.
2. Deposit the specified amount to your account on the day of sending the application.
3. After the call from the credit manager, visit the Company's office to sign a new payment schedule.

With full early repayment

1. The client needs to specify the amount for full repayment, as well as the amount for processing the application.
2. Deposit money to your personal account.
3. Send a standard application to the KHC.
4. After calling the loan manager, visit the Company's office to obtain the title documents for the property. 

DOWNLOAD THE APPLICATION FOR FULL EARLY REPAYMENT (LEASE)

DOWNLOAD THE APPLICATION FOR PARTIAL EARLY REPAYMENT (LEASE)

Rental housing with foreclosure is sold to waiting lists registered with LEB, in the order of priority determined in accordance with the current housing legislation of the Republic of Kazakhstan, for the following categories:

• large families;
• single-parent families;
• families with or raising disabled children;
• orphaned children, children left without parental care;
• oralmans;
• disabled people of groups 1 and 2;
• civil servants, military personnel, employees of special state bodies, employees of budgetary organizations.
• At the same time, 50% of housing is sold to persons from the above categories who have been married for at least 3 years, have children (child), and both spouses are under 35 years old (at the time of applying for participation in the Program), as well as single-parent families in which the children (child) are raised by one from parents who have not reached the age of 35, including divorced, widowed.

The local executive body (LEB) is responsible for taking into account waiting lists.

The deadlines for accepting documents are determined by LEB. Announcements about the start of accepting applications for Housing construction program "Nurly Zher" they are posted on the websites of the LEB (akimats).

1. Originals (for verification)  and copies of the identity cards of the Applicant and the Guarantor;
2. A document confirming registration at the permanent place of residence (address certificate) of the Applicant and the Guarantor;      
3. Originals of certificates from the place of work of the Applicant and the Guarantor about the position, work experience;
4. Originals of salary certificates from the place of work of the Applicant and the Guarantor, for the last six months preceding the month of submission of documents;
5. Originals and copies of documents confirming other income of the Applicant and the Guarantor for the last six months preceding the month of submission of documents;
6. Original statements of pension contributions of the Applicant and the Guarantor for the last six months preceding the month of submission of documents;
7. The original and a copy of the marriage certificate, divorce certificate, death certificate of the spouse (if there is a spouse);
8. Originals and copies of children's birth certificates (if there are children).

According to the terms of the Program, citizens who are registered with LEBas needing housing from the public housing stock or housing rented by LEB from a private housing stock are allowed to participate in the Program. For more information, please contact LEB.

Among the documents provided for inclusion in the list of participants of the Program, it is necessary to provide a document confirming registration at permanent residence (address certificate or certificate of rural and/or aul akimats). LEB employees are responsible for checking registration/registration.

A lease with a purchase provides for:

• The lease term with the purchase is 20 years;
• Upon expiration of the lease period, the housing becomes the property of the tenant;
• Early purchase of rental housing is allowed.
• Alienation of housing is not allowed within two years from the date of its acquisition by a participant of the Program into ownership under purchase and sale agreements, except in cases of sale of mortgaged housing in a compulsory extrajudicial procedure or by court decision in accordance with the procedure provided for by the legislation of the Republic of Kazakhstan.