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 receipt of documents are determined by local executive bodies (akimats). Announcements on the beginning of receipt of applications under the ‘Concept of housing and communal infrastructure development 2023 - 2029 are placed on the websites of local executive bodies.

1. Originals (for verification) and copies of the Applicant's and Guarantor's (Applicant's and Guarantor's spouse's) identity cards;
2. original certificates from the place of work of the Applicant and the Guarantor on the position and length of service. 3;
3. original certificates of salary from the place of work of the Applicant and the Guarantor for the last 6 (six) months preceding the month of submission of documents;
4. originals and copies of documents confirming other income of the Applicant and the Guarantor for the last 12 (twelve) months preceding the month of submission of documents;
5. Original statements of pension contributions of the Applicant and the Guarantor, for the last 6 (six) months preceding the month of submission of documents;
6. Original and a copy of the marriage certificate, divorce certificate, death certificate of the spouse (if there is a spouse), if not married, a notarised statement;
7. Originals and copies of children's birth certificates (if there are children);
8. Certificate of absence of real estate of the Applicant and members of his/her family (spouse and children) in the RoK;
9. If the Applicant/Guarantor is a serviceman and/or has no pension contributions, it is necessary to provide a statement from the card account in the Bank where the salary is received, for the last 6/12 months;
10. Certificate of registration in the housing queue.

If necessary, the Company may request additional documents.

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.

A lease-purchase lease provides for:

• The term of a lease with buyout is up to 20 years;
• At the end of the lease term, the property is transferred to the tenant;
• Early redemption of the rental housing at the residual value from the day of registration of the lease agreement;
• Possibility of partial early payment from the day of registration of the lease agreement.