Annuity payments

15.9% per annum (AEIR — 17.37–19.9%), with a fee of 1% of the loan amount

16.2% per annum (AEIR — 17.50–19.9%), with no fee

Differentiated payments (equal principal installments)

15.9% per annum (AEIR — 17.33–19.9%), with a fee of 1% of the loan amount

16.2% per annum (AEIR — 17.41–19.9%), with no fee

Standard lending terms for regions of Kazakhstan

Annuity payments

From 10.9% per annum (AEIR — 11.79–19.9%), with a fee of 1% of the loan amount

From 11.3% per annum (AEIR — 12.23–19.9%), with no fee

Differentiated payments (equal principal installments)

From 10.9% per annum (AEIR — 11.67–19.9%), with a fee of 1% of the loan amount

From 11.3% per annum (AEIR — 12.11–19.9%), with no fee

Reduced rate depending on the partner's terms, contribution and loan term.

Up to 20 years

Loan term

From 20%

CONTRIBUTION

Up to KZT 75 mln

Loan amount

Borrower requirements and conditions

Age: 21 to retirement age
Proof of official income
Option to involve a co-borrower
Security: a share in the housing under construction
Loan arrangement fee: 1% of the housing loan payment, payable by the borrower as a one-time payment to the Company s account

Documents to verify the Borrower's and Co-borrower's income

How to apply?

Choose an apartment

Step 1

Submit an application with the required documents at the agent's office.

From the bank's office, wait for a decision on the application.

Step 2

Conclude a bank loan agreement and a pledge agreement

Step 3

The loan is issued after the authorized body registers the Collateral Agreement

Step 4

Detailed information about available properties, application process, mortgage calculator, and more—all in one place for easy and quick application.