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About Company

Mortgage Organization Kazakhstan Mortgage Company Joint-Stock Company was established in 2000 in accordance with the resolution of Board of the National Bank of the Republic of Kazakhstan in order to implement the Concept of long-term financing of housing construction and mortgage lending development. The Company became one of the first mortgage organizations in the post-Soviet space, which activities are aimed at implementing the state housing policy.

In 2020, MO Kazakhstan Mortgage Company JSC was reorganized by joining Baiterek Development JSC and Housing Construction Guarantee Fund JSC. After reorganization, the Company became a Single Operator of housing construction and changed its name to Kazakhstan Housing Company JSC in January 2021.

Housing Construction Guarantee Fund JSC was established in 2016 on the basis of the previously operating Kazakhstan Mortgage Loan Guarantee Fund JSC. Task of the Fund was to create an effective mechanism to protect the rights and interests of shareholders by guaranteeing completion of the shared-equity construction object.

Baiterek Development JSC (Stress Assets Fund – until 2014) performed the functions of financial operator of the Nurly Zher state program of housing and communal development for 2020-2025 by financing the construction of credit housing through purchase of state securities of local executive bodies, as well as monitoring the progress of credit housing construction. Other areas of the Company's activity were implementation of investment projects in construction industry and completion of activities initiated as part of the anti-crisis measures of 2009-2010, and the EXPO-2017 projects.

Kazakhstan Housing Company JSC has included main areas of work of the combined companies in its activities, and is also developing a number of new areas in accordance with the adopted Development Strategy for 2021-2023.

The created Unified Housing Construction Operator will ensure the further implementation of state measures aimed at increasing high-quality and comfortable housing provision for the population of country, including by supporting construction industry, creating conditions for a balanced growth of supply and demand in the housing market and mortgage lending.


The Company mission is to provide the Kazakhstan population with affordable and high-quality housing.