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Jul 12 2024
JSC “Kazakhstan Housing Company” shares its experience with colleagues from Azerbaijan
A meeting with colleagues from Azerbaijan was held at the site of Kazakhstan Housing Company JSC (hereinafter – KHC). Representatives of KHC shared information about the activities of the Unified Housing Construction Operator, which ensures the implementation of state measures aimed at providing high-quality and comfortable housing for the population of the country, as well as providing support to the construction industry.
Housing affordability for citizens is an important factor in the socio-economic development of Kazakhstan. In Kazakhstan, there remains a need to support and stimulate housing construction in affordable price segments, as well as the application of additional measures to support demand.
In this regard, KHC, together with the Sole Shareholder – Baiterek National Managing Holding JSC, provides an integrated approach to solving the housing issue and balanced development of the housing market with the active use of information technology. As part of the implementation of the Digitalization Strategy approved by the holding, KHC has done a lot of work.
Thus, in 2022, the IS “Housing Portal” and the Online platform of building materials were put into commercial operation, the work of which was described in more detail and other new tools for supporting housing construction were presented by the director of the Department of Analysis and Strategy Rauan Khadessov. One of the latest innovations is the launch of a service for checking equity objects under construction in the Halyk application, implemented jointly with Halyk Bank. Now citizens wishing to purchase housing at the construction stage can check whether the developers have a guarantee of KHC or permission from the akimat to raise funds from shareholders.
During the meeting, special emphasis was placed on the Nurly Zher Situation Center, developed in order to monitor the progress of construction of real estate financed under the Nurly Zher Program and the Employment Roadmap.
“These solutions allow us and stakeholders to conduct remote monitoring of facilities under construction using modern technical controls (cameras, drones, tablets, etc.); monitoring the development of allocated funds and housing sales; forecasting the date of commissioning of facilities with possible deviations; analysis of photo, video stream and information from LEAs using artificial intelligence“, – Rauan Khadessov noted.
The participants of the meeting were also presented with tools to support housing construction of the housing complex, including mechanisms for guaranteeing shared-equity housing construction, subsidizing loans from developers, financing the construction/purchase of housing for LEA waiting lists (the mechanism for repurchasing SS of LEAs), the purchase of rental housing (with the right to buy out for waiting lists) from private developers.
Press Service
Kazakhstan Housing Company JSC
+7 7172 797575, add. 2720
pr@khc.kz, www.khc.kz
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The Single Housing Construction Operator is considering 1 applications for projects with a total cost of about 11,3 billion tenge, with a total number – 348 apartments. Information on current guarantees is available on the Internet resource www.khc.kz in accordance with the requirements of the Law of the Republic of Kazakhstan “On co-funding of housing construction”.
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The Single Housing Construction Operator is considering 4 applications for projects with a total cost of about 14,7 billion tenge, with a total number of apartments – 567 apartments. Information on current guarantees is available on the Internet resource www.khc.kz in accordance with the requirements of the Law of the Republic of Kazakhstan “On co-funding of housing construction”.
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The affirmation reflects Fitch’s view of ‘Virtually certain’ extraordinary support from Kazakhstan (BBB/Stable) for KHC. This is due to its strategic importance for the country as the key housing development operator and core consolidator of the housing sector.
KEY RATING DRIVERS
Support Score Assessment ‘Virtually certain’
We consider that extraordinary support from Kazakhstan to KHC would be ‘Virtually certain’ in case of need, reflecting a support score of 45 (out of a maximum 60) under Fitch’s Government-Related Entities (GRE) criteria. This reflects a combination of responsibility to support and incentive to support factors assessment as below.
Responsibility to Support
Decision Making and Oversight ‘Very Strong’
KHC is wholly-owned by the state via JSC National Management Holding Baiterek (Baiterek, BBB/Stable). Fitch links KHC directly to Kazakhstan as it is a public-mission GRE with a strong policy role. Baiterek acts in lieu of the government and approves KHC’s budgets, borrowing decisions, investments and dividend policy.
KHC continuously cooperates with government agencies and committees in its day-to-day activities and regularly provides reports to ministries and other state entities. The company conducts its activities mainly under government programmes and its key performance indicators are dominated by socially important indicators like volume of housing constructed using KHC’s instruments.
Precedents of Support ‘Strong’
KHC benefits from low-cost long-term state funding for the implementation of state programmes. The main forms of funding are loans and bonds from Baiterek, which represent around 94% of KHC’s debt. More than half of these funds were provided under a large state anti-crisis programme in 2020-2021, and the rest under various housing programmes. In 2022-2023 direct state support was limited and KHC mainly used previously acquired funds on a revolving basis.
KHC generates moderate profit and pays dividends to Baiterek annually. In 2024 the government decided to provide additional KZT272 billion to KHC for the buyout of local and regional government bonds via a loan sourced from Sovereign Wealth Fund Samruk-Kazyna JSC (BBB/Stable).
Incentives to Support
Preservation of Government Policy Role ‘Very Strong’
KHC’s socio-political importance is underlined by its key role in state housing development and a lack of direct substitutes. Affordable housing is high on the government’s political agenda. At end-2023, average per capita living space in Kazakhstan was about 23.9sq m (end-2022: 23.4sq m), significantly below the international standards of at least 30sq m.
The company stimulates housing supply by extending funds to residential construction companies as well as providing them with subsidies and guarantees. KHC estimated that about 20% of new residential apartments in Kazakhstan in 2023 were built with the help of its instruments (2022: 27%). KHC also stimulates demand for housing, but this is on a smaller scale, mainly through social rental contracts with an option of buy-out.
Contagion Risk ‘Strong’
KHC is an important participant on the domestic bonds market. In addition to regular bond issuance, it invests in local and regional government bonds, thus providing long-term funding to the market. Exposure to international funds is limited to loans from Eurasian Development Bank (EDB), which represent around 1.5% of KHC’s debt. Fitch assumes that a default of KHC, as a high-profile entity, would have a significant impact on the availability and cost of domestic financing for other GREs in Kazakhstan.
Standalone Credit Profile
KHC’s Standalone Credit Profile (SCP) is unchanged at ‘b+’ under Fitch’s Non-Bank Financial Institutions Rating Criteria. KHC’s SCP is constrained by its business profile, limited franchise and high concentration on both sides of the balance sheet. KHC sticks to its policy role and its performance relies on cheap/subsidised funding from the parent group. The company operates as an instrument providing financing to local municipalities and to a lesser extent,real estate companies to facilitate affordable housing development in Kazakhstan.
Investments in securities of local municipalities comprised 46% of KHC’s total assets at end-1Q24. These are spread across issuers but we assess the correlation of credit risk as high, given the proximity to the state. There were no delinquencies in this portfolio at end-1Q24. The loan portfolio was a modest 17% of total assets and included housing loans and financing leasing to individuals as well as to construction companies, all aimed at providing affordable housing at subsidised rates.
These loans are of weak quality with stage 3 delinquencies totalling 6% at end-1Q24, which is a marked improvement from 2022, when impaired loans ratio reached 9%. The stage 3 loans were only partially covered with loan loss reserves by 11.4% at end-1Q24.
KHC’s capitalisation and leverage position is strong, with the gross debt/tangible equity ratio at 4.2x as of end-1Q24. Throughout 2020-1Q24 the company has maintained significantly lower leverage than the internal cap of 7x. In 2023 KHC distributed 70% of previous year profits (2022: 70%).
Funding is provided at subsidised rates and the company benefits from a credit line from Baiterek. The company has small placements in public markets. However, this it is immaterial in relation to total funding.
KHC’s cash liquidity position is quite high as a result of early paid-off investments in local municipalities (KZT533 billion as of end-1Q24) and comfortably covers debt maturing until end-2025.
Derivation Summary
Fitch looks through the chain of control and classifies KHC as a public-mission GRE with strong links to Kazakhstan, despite its indirect state ownership through Baiterek. Fitch’s assessment of support rating factors under its GRE Criteria resulted in a score of 45 out of a maximum 60 and corresponding ‘Virtually certain’ assessment of extraordinary support from the government. KHC’s ‘b+’ SCP is five notches below Kazakhstan’s rating. Together these assessments lead to the equalisation of the IDR with the government’s at ‘BBB’.
Short-Term Ratings
The ‘F2’ Short-Term IDR reflects Fitch’s GRE Rating Criteria approach. KHC’s Short-Term IDR is equalised with the sponsor’s. This reflects our view that the provider of support is linked to or represents the state, has strong liquidity and would be willing to support the state-owned entity, in case of need.
Debt Ratings
The debt ratings are at the same level as KHC’s IDRs.
Issuer Profile
KHC is a main facilitator of affordable housing for Kazakhstan. One of its key functions is providing support to residential construction via the buyout of local bonds as well as providing guarantees and subsidies to developers, stimulating housing supply. KHC also supports demand in the housing market by provision of social rental housing with buy-outs, repurchase of commercial banks’ mortgages and other channels.
Liquidity and Debt Structure
KHC’s debt structure is weighted towards bonds, which comprised 67% of its total debt at end-2023. The majority of the issued debt (94%) is owned by Baiterek and primarily sourced from Kazakhstan National Fund and National Bank of Kazakhstan. Another 32% of debt is represented by loans from Baiterek. The residual 2% is direct funding from the national government, the capital city and EDB.
Fitch expects KHC’s debt structure will continue to be heavily dominated by low-cost state-related funding over the medium term (95% of total debt as of end-2023). The maturity profile of KHC’s debt stretches to 2052, with no significant refinancing risks over the medium term.
RATING SENSITIVITIES
Factors that Could, Individually or Collectively, Lead to Negative Rating Action/Downgrade
– A downgrade of Kazakhstan’s IDRs
– A dilution of linkage with the sovereign or weaker incentives to support leading to a reassessment of key risk factors
Factors that Could, Individually or Collectively, Lead to Positive Rating Action/Upgrade
– An upgrade of Kazakhstan’s IDRs
ESG Considerations
The highest level of ESG credit relevance is a score of ‘3’, unless otherwise disclosed in this section. A score of ‘3’ means ESG issues are credit-neutral or have only a minimal credit impact on the entity, either due to their nature or the way in which they are being managed by the entity. Fitch’s ESG Relevance Scores are not inputs in the rating process; they are an observation on the relevance and materiality of ESG factors in the rating decision. For more information on Fitch’s ESG Relevance Scores, visit https://www.fitchratings.com/topics/esg/products#esg-relevance-scores.
PUBLIC RATINGS WITH CREDIT LINKAGE TO OTHER RATINGS
KHC’s IDRs are directly linked to Kazakhstan’s IDRs
References for Substantially Material Source Cited as Key Driver Rating
The principal sources of information used in the analysis are described in the Applicable Criteria.
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В какой срок можно получить документы на недвижимость после полного погашения ипотечного займа
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#Media library
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Dear client of Kazakhstan Housing Company JSC!
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Media Library
Как узнать сумму на лицевом счете
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Более 22 тысяч казахстанцев получили арендное жилье с правом выкупа по программе Казахстанской Жилищной Компании
#Media about us
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Гарантия КЖК для застройщиков способствует выходу из теневого рынка долевого строительства
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«Казахстанская жилищная компания» направит на дивиденды «Байтереку» 70% от чистой прибыли
#Media about us
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Свыше 200 производителей и поставщиков стройматериалов объединила казахстанская платформа
#Media about us
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#Media about us
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#Media about us
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#Media about us
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#Media about us
Mar 15 2024
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#Press releases
Feb 26 2024
Developers of West Kazakhstan region received the Guarantee of Kazakhstan Housing Company JSC
#Company News
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#Media about us
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#Media about us
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#Media about us
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#Press releases
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#Media about us
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#Press releases
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Dec 16 2023
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May 18 2023
Representatives of Kazakhstan Housing Company JSC met with developers of Aktobe region
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Feb 25 2023
The Chairman of the Management Board of NMH “Baiterek” JSC met with the staff of KHC
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Feb 17 2023
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Sep 21 2023
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May 17 2024
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Nov 28 2023
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Nov 14 2023
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Oct 03 2023
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Aug 04 2023
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Jul 18 2023
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Jul 05 2024
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Jul 12 2024
JSC “Kazakhstan Housing Company” shares its experience with colleagues from Azerbaijan
A meeting with colleagues from Azerbaijan was held at the site of Kazakhstan Housing Company JSC (hereinafter – KHC). Representatives of KHC shared information about the activities of the Unified Housing Construction Operator, which ensures the implementation of state measures aimed at providing high-quality and comfortable housing for the population of the country, as well as providing support to the construction industry.
Housing affordability for citizens is an important factor in the socio-economic development of Kazakhstan. In Kazakhstan, there remains a need to support and stimulate housing construction in affordable price segments, as well as the application of additional measures to support demand.
In this regard, KHC, together with the Sole Shareholder – Baiterek National Managing Holding JSC, provides an integrated approach to solving the housing issue and balanced development of the housing market with the active use of information technology. As part of the implementation of the Digitalization Strategy approved by the holding, KHC has done a lot of work.
Thus, in 2022, the IS “Housing Portal” and the Online platform of building materials were put into commercial operation, the work of which was described in more detail and other new tools for supporting housing construction were presented by the director of the Department of Analysis and Strategy Rauan Khadessov. One of the latest innovations is the launch of a service for checking equity objects under construction in the Halyk application, implemented jointly with Halyk Bank. Now citizens wishing to purchase housing at the construction stage can check whether the developers have a guarantee of KHC or permission from the akimat to raise funds from shareholders.
During the meeting, special emphasis was placed on the Nurly Zher Situation Center, developed in order to monitor the progress of construction of real estate financed under the Nurly Zher Program and the Employment Roadmap.
“These solutions allow us and stakeholders to conduct remote monitoring of facilities under construction using modern technical controls (cameras, drones, tablets, etc.); monitoring the development of allocated funds and housing sales; forecasting the date of commissioning of facilities with possible deviations; analysis of photo, video stream and information from LEAs using artificial intelligence“, – Rauan Khadessov noted.
The participants of the meeting were also presented with tools to support housing construction of the housing complex, including mechanisms for guaranteeing shared-equity housing construction, subsidizing loans from developers, financing the construction/purchase of housing for LEA waiting lists (the mechanism for repurchasing SS of LEAs), the purchase of rental housing (with the right to buy out for waiting lists) from private developers.
Press Service
Kazakhstan Housing Company JSC
+7 7172 797575, add. 2720
pr@khc.kz, www.khc.kz
Jul 09 2024
The Single Housing Construction Operator is considering 4 applications for projects with a total cost of about 14,9 billion tenge, with a total number of apartments – 579 apartments. Information on current guarantees is available on the Internet resource www.khc.kz in accordance with the requirements of the Law of the Republic of Kazakhstan “On co-funding of housing construction”.
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Үлестік құрылыстың үрейі: заңсыз құрылыс салушыға алданып қалмаудың жолы қандай?
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#All news
Jul 18 2023
Үлескерлер 30 млрд теңге шығынға батқан: құрылыс компанияларына қойылатын талап күшейеді
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#All news
Jul 18 2023
Participation in shared-construction: what Kazakhstanis need to know
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#All news
Jul 10 2023
Housing construction guarantee
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#All news
Jul 10 2023
Shared-equity construction: How to avoid scams
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#All news
Jul 10 2023
Housing construction guarantee
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#All news
Jul 03 2023
Housing construction guarantee
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#All news
Jun 26 2023
Housing construction guarantee
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#All news
Jun 19 2023
Housing construction guarantee
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#All news
Jun 13 2023
KHC held a seminar-meeting for developers of the city of Atyrau
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#All news
Jun 12 2023
Housing construction guarantee
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#All news
Jun 05 2023
Building owners from Uralsk received a guarantee of KHC
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#All news
Jun 05 2023
Housing construction guarantee
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#All news
May 29 2023
Advertisement
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#All news
May 29 2023
Housing construction guarantee
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#All news
May 22 2023
Representatives of Kazakhstan Housing Company JSC met with developers of Aktobe region
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#All news
May 18 2023
Housing construction guarantee
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#All news
May 15 2023
Housing construction guarantee
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#All news
May 10 2023
Housing construction guarantee
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#All news
May 02 2023
Housing construction guarantee
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#All news
Apr 24 2023
Housing construction guarantee
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#All news
Apr 17 2023
KHC held a seminar-meeting for developers of Akmola region
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#All news
Apr 13 2023
Housing construction guarantee
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#All news
Apr 10 2023
Guarantee of Housing Construction
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#All news
Apr 03 2023
Guarantee of housing construction
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#All news
Mar 27 2023
Dear investors and partners!
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#All news
Mar 24 2023
Nauryz Holiday
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#All news
Mar 20 2023
Dear ladies!
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#All news
Mar 08 2023
KHC held training workshop for developers of Karaganda region
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#All news
Mar 07 2023
How not to become a defrauded homebuyer?
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#All news
Mar 07 2023
Housing construction guarantee
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#All news
Feb 27 2023
The Chairman of the Management Board of NMH “Baiterek” JSC met with the staff of KHC
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#All news
Feb 25 2023
Dear client of Kazakhstan Housing Company JSC!
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#All news
Feb 24 2023
Guarantee of housing construction
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#All news
Feb 20 2023
KHC’s annual report is recognized as the best in the financial sector according to KASE
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#All news
Feb 17 2023
Changing the requirements for subsidizing developers
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#All news
Feb 17 2023
Guarantee of housing construction
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#All news
Feb 13 2023
Announcement of marketing research
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#All news
Feb 08 2023
Guarantee of housing construction
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#All news
Feb 06 2023
The industrial base is being sold on the electronic bidding portal
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#All news
Jan 31 2023
Guarantee of housing construction
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#All news
Jan 30 2023
A land plot is being sold on electronic auction portal
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#All news
Jan 24 2023
Guarantee of housing construction
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#All news
Jan 23 2023
Guarantee of housing construction
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#All news
Jan 16 2023
Guarantee of housing construction
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#All news
Jan 09 2023
Merry Christmas!
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#All news
Jan 07 2023
Happy New Year!
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#All news
Jan 01 2023
Guarantee of housing construction
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#All news
Dec 19 2022
Happy holidays!
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#All news
Dec 16 2022
Guarantee of housing construction
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#All news
Dec 12 2022
Guarantee of housing construction
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#All news
Dec 05 2022
Guarantee of housing construction
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#All news
Nov 28 2022
Guarantee of housing construction
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#All news
Nov 21 2022
Congratulations!
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#All news
Nov 16 2022
Guarantee of housing construction
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#All news
Nov 14 2022
Electronic messaging service has been launched
-
#All news
Nov 11 2022
Dear subscribers!
-
#All news
Nov 09 2022
Announcement
-
#All news
Nov 08 2022
Guarantee of housing construction
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#All news
Nov 07 2022
Guarantee of housing construction
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#All news
Oct 31 2022
Guaranteed housing construction
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#All news
Oct 26 2022
Dear compatriots!
-
#All news
Oct 25 2022
Guaranteed housing construction
-
#All news
Oct 17 2022
The international conference was held
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#All news
Oct 12 2022
Guaranteed housing construction
-
#All news
Oct 03 2022
Guaranteed housing construction
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#All news
Sep 26 2022
Guaranteed housing construction
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#All news
Sep 19 2022
Guaranteed housing construction
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#All news
Sep 12 2022
Guaranteed housing construction
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#All news
Sep 05 2022
Guaranteed housing construction
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#All news
Aug 31 2022
Dear clients
-
#All news
Aug 23 2022
Guarantee of housing construction
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#All news
Aug 22 2022
Guaranteed housing construction
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#All news
Aug 15 2022
A seminar was held on the topic Easy way to get a guarantee
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#All news
Aug 12 2022
Guaranteed housing construction.
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#All news
Aug 08 2022
Guarantee of housing construction.
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#All news
Aug 02 2022
Guarantee of housing construction
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#All news
Jul 18 2022
Media Library
Dear men!
-
#All news
May 07 2024
May 27 2024
The Single Housing Construction Operator is considering 1 applications for projects with a total cost of about 11,3 billion tenge, with a total number – 348 apartments. Information on current guarantees is available on the Internet resource www.khc.kz in accordance with the requirements of the Law of the Republic of Kazakhstan “On co-funding of housing construction”.
Latest News
Housing construction guarantee
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#Company News
May 27 2024
Congratulations to everyone on Victory Day!
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#Company News
May 09 2024
Dear men!
-
#Company News
May 07 2024
Dear friends!
-
#Company News
May 01 2024
Housing construction guarantee
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#Company News
Apr 08 2024
Housing construction guarantee
-
#Company News
Apr 01 2024
Housing construction guarantee
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#Company News
Mar 26 2024
Housing construction guarantee
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#Company News
Mar 18 2024
Housing construction guarantee
-
#Company News
Mar 11 2024
Housing construction guarantee
-
#Company News
Mar 04 2024
ATTENTION!
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#Company News
Feb 29 2024
Housing construction guarantee
-
#Company News
Feb 26 2024
Developers of West Kazakhstan region received the Guarantee of Kazakhstan Housing Company JSC
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#Company News
Feb 26 2024
Housing construction guarantee
-
#Company News
Feb 20 2024
Housing construction guarantee
-
#Company News
Feb 12 2024
Housing construction guarantee
-
#Company News
Feb 05 2024
Housing construction guarantee
-
#Company News
Jan 29 2024
Housing construction guarantee
-
#Company News
Jan 22 2024
Housing construction guarantee
-
#Company News
Jan 15 2024
Housing construction guarantee
-
#Company News
Jan 08 2024
Housing construction guarantee
-
#Company News
Jan 03 2024
Congratulations on the Happy New 2024 Year!
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#Company News
Jan 01 2024
Housing construction guarantee
-
#Company News
Dec 25 2023
Housing construction guarantee
-
#Company News
Dec 19 2023
Happy Great Steppe Day, the most important holiday of our country – Independence Day!
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#Company News
Dec 16 2023
Housing construction guarantee
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#Company News
Dec 11 2023
Housing construction guarantee
-
#Company News
Dec 04 2023
Housing construction guarantee
-
#Company News
Nov 27 2023
Housing construction guarantee
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#Company News
Nov 20 2023
Housing construction guarantee
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#Company News
Nov 13 2023
Housing construction guarantee
-
#Company News
Nov 06 2023
Housing construction guarantee
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#Company News
Oct 30 2023
October 25 – Republic Day
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#Company News
Oct 25 2023
Housing construction guarantee
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#Company News
Oct 23 2023
Застройщики города Кокшетау получили первую Гарантию КЖК
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#Company News
Oct 18 2023
Housing construction guarantee
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#Company News
Oct 16 2023
Housing construction guarantee
-
#Company News
Oct 09 2023
Housing construction guarantee
-
#Company News
Oct 02 2023
Housing construction guarantee
-
#Company News
Sep 26 2023
Представители АО «Казахстанская Жилищная Компания» встретились с застройщиками города Шымкент
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#Company News
Sep 21 2023
Housing construction guarantee
-
#Company News
Sep 18 2023
Housing construction guarantee
-
#Company News
Sep 11 2023
Housing construction guarantee
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#Company News
Sep 04 2023
Happy constitution day!
-
#Company News
Aug 30 2023
Housing construction guarantee
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#Company News
Aug 28 2023
Housing construction guarantee
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#Company News
Aug 21 2023
Housing construction guarantee
-
#Company News
Aug 14 2023
Housing construction guarantee
-
#Company News
Aug 07 2023
Представители АО «Казахстанская Жилищная Компания» встретились с застройщиками города Алматы
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#Company News
Aug 04 2023
Housing construction guarantee
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#Company News
Jul 31 2023
Housing construction guarantee
-
#Company News
Jul 24 2023
Housing construction guarantee
-
#Company News
Jul 18 2023
Housing construction guarantee
-
#Company News
Jul 10 2023
Housing construction guarantee
-
#Company News
Jul 03 2023
Housing construction guarantee
-
#Company News
Jun 26 2023
Housing construction guarantee
-
#Company News
Jun 19 2023
Housing construction guarantee
-
#Company News
Jun 13 2023
KHC held a seminar-meeting for developers of the city of Atyrau
-
#Company News
Jun 12 2023
Housing construction guarantee
-
#Company News
Jun 05 2023
Building owners from Uralsk received a guarantee of KHC
-
#Company News
Jun 05 2023
Housing construction guarantee
-
#Company News
May 29 2023
Advertisement
-
#Company News
May 29 2023
Housing construction guarantee
-
#Company News
May 22 2023
Representatives of Kazakhstan Housing Company JSC met with developers of Aktobe region
-
#Company News
May 18 2023
Housing construction guarantee
-
#Company News
May 15 2023
Housing construction guarantee
-
#Company News
May 10 2023
Housing construction guarantee
-
#Company News
May 02 2023
Housing construction guarantee
-
#Company News
Apr 24 2023
Housing construction guarantee
-
#Company News
Apr 17 2023
KHC held a seminar-meeting for developers of Akmola region
-
#Company News
Apr 13 2023
Housing construction guarantee
-
#Company News
Apr 10 2023
Guarantee of Housing Construction
-
#Company News
Apr 03 2023
Guarantee of housing construction
-
#Company News
Mar 27 2023
Dear investors and partners!
-
#Company News
Mar 24 2023
Nauryz Holiday
-
#Company News
Mar 20 2023
Dear ladies!
-
#Company News
Mar 08 2023
KHC held training workshop for developers of Karaganda region
-
#Company News
Mar 07 2023
How not to become a defrauded homebuyer?
-
#Company News
Mar 07 2023
Housing construction guarantee
-
#Company News
Feb 27 2023
The Chairman of the Management Board of NMH “Baiterek” JSC met with the staff of KHC
-
#Company News
Feb 25 2023
Dear client of Kazakhstan Housing Company JSC!
-
#Company News
Feb 24 2023
Guarantee of housing construction
-
#Company News
Feb 20 2023
KHC’s annual report is recognized as the best in the financial sector according to KASE
-
#Company News
Feb 17 2023
Changing the requirements for subsidizing developers
-
#Company News
Feb 17 2023
Guarantee of housing construction
-
#Company News
Feb 13 2023
Personal account of Shared Construction Participant of the information system “Housing Portal”
-
#Company News
Feb 10 2023
Announcement of marketing research
-
#Company News
Feb 08 2023
Guarantee of housing construction
-
#Company News
Feb 06 2023
The industrial base is being sold on the electronic bidding portal
-
#Company News
Jan 31 2023
Guarantee of housing construction
-
#Company News
Jan 30 2023
A land plot is being sold on electronic auction portal
-
#Company News
Jan 24 2023
Guarantee of housing construction
-
#Company News
Jan 23 2023
Guarantee of housing construction
-
#Company News
Jan 16 2023
Guarantee of housing construction
-
#Company News
Jan 09 2023
Merry Christmas!
-
#Company News
Jan 07 2023
Happy New Year!
-
#Company News
Jan 01 2023
Guarantee of housing construction
-
#Company News
Dec 19 2022
Happy holidays!
-
#Company News
Dec 16 2022
Guarantee of housing construction
-
#Company News
Dec 12 2022
Guarantee of housing construction
-
#Company News
Dec 05 2022
Guarantee of housing construction
-
#Company News
Nov 28 2022
Guarantee of housing construction
-
#Company News
Nov 21 2022
Congratulations!
-
#Company News
Nov 16 2022
Guarantee of housing construction
-
#Company News
Nov 14 2022
Electronic messaging service has been launched
-
#Company News
Nov 11 2022
Dear subscribers!
-
#Company News
Nov 09 2022
Announcement
-
#Company News
Nov 08 2022
Guarantee of housing construction
-
#Company News
Nov 07 2022
Guarantee of housing construction
-
#Company News
Oct 31 2022
Guaranteed housing construction
-
#Company News
Oct 26 2022
Guaranteed housing construction
-
#Company News
Oct 17 2022
The international conference was held
-
#Company News
Oct 12 2022
Guaranteed housing construction
-
#Company News
Oct 03 2022
Guaranteed housing construction
-
#Company News
Sep 26 2022
Guaranteed housing construction
-
#Company News
Sep 19 2022
Guaranteed housing construction
-
#Company News
Sep 12 2022
Guaranteed housing construction
-
#Company News
Sep 05 2022
The constructor from East Kazakhstan region received a guarantee of the housing guarantee
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#Company News
Aug 31 2022
Guaranteed housing construction
-
#Company News
Aug 31 2022
Dear clients
-
#Company News
Aug 23 2022
Guarantee of housing construction
-
#Company News
Aug 22 2022
Guaranteed housing construction
-
#Company News
Aug 15 2022
A seminar was held on the topic Easy way to get a guarantee
-
#Company News
Aug 12 2022
Guarantee of housing construction.
-
#Company News
Aug 02 2022
Meeting of “Kazakhstan Housing Company” JSC with a group of Belarusian urban planning experts
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#Company News
Jul 08 2022
Discussion of the standard for the integrated development of territories
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#Company News
Jun 14 2022
Media Library
Jul 15 2024
The Single Housing Construction Operator is considering 4 applications for projects with a total cost of about 14,7 billion tenge, with a total number of apartments – 567 apartments. Information on current guarantees is available on the Internet resource www.khc.kz in accordance with the requirements of the Law of the Republic of Kazakhstan “On co-funding of housing construction”.
Jul 12 2024
JSC “Kazakhstan Housing Company” shares its experience with colleagues from Azerbaijan
A meeting with colleagues from Azerbaijan was held at the site of Kazakhstan Housing Company JSC (hereinafter – KHC). Representatives of KHC shared information about the activities of the Unified Housing Construction Operator, which ensures the implementation of state measures aimed at providing high-quality and comfortable housing for the population of the country, as well as providing support to the construction industry.
Housing affordability for citizens is an important factor in the socio-economic development of Kazakhstan. In Kazakhstan, there remains a need to support and stimulate housing construction in affordable price segments, as well as the application of additional measures to support demand.
In this regard, KHC, together with the Sole Shareholder – Baiterek National Managing Holding JSC, provides an integrated approach to solving the housing issue and balanced development of the housing market with the active use of information technology. As part of the implementation of the Digitalization Strategy approved by the holding, KHC has done a lot of work.
Thus, in 2022, the IS “Housing Portal” and the Online platform of building materials were put into commercial operation, the work of which was described in more detail and other new tools for supporting housing construction were presented by the director of the Department of Analysis and Strategy Rauan Khadessov. One of the latest innovations is the launch of a service for checking equity objects under construction in the Halyk application, implemented jointly with Halyk Bank. Now citizens wishing to purchase housing at the construction stage can check whether the developers have a guarantee of KHC or permission from the akimat to raise funds from shareholders.
During the meeting, special emphasis was placed on the Nurly Zher Situation Center, developed in order to monitor the progress of construction of real estate financed under the Nurly Zher Program and the Employment Roadmap.
“These solutions allow us and stakeholders to conduct remote monitoring of facilities under construction using modern technical controls (cameras, drones, tablets, etc.); monitoring the development of allocated funds and housing sales; forecasting the date of commissioning of facilities with possible deviations; analysis of photo, video stream and information from LEAs using artificial intelligence“, – Rauan Khadessov noted.
The participants of the meeting were also presented with tools to support housing construction of the housing complex, including mechanisms for guaranteeing shared-equity housing construction, subsidizing loans from developers, financing the construction/purchase of housing for LEA waiting lists (the mechanism for repurchasing SS of LEAs), the purchase of rental housing (with the right to buy out for waiting lists) from private developers.
Press Service
Kazakhstan Housing Company JSC
+7 7172 797575, add. 2720
pr@khc.kz, www.khc.kz
Latest News
Housing construction guarantee
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#Press releases
Jul 15 2024
PRESS RELEASE
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#Press releases
Jul 12 2024
Housing construction guarantee
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#Press releases
Jul 09 2024
Dear friends!
-
#Press releases
Jul 06 2024
PRESS RELEASE
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#Press releases
Jul 03 2024
Housing construction guarantee
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#Press releases
Jul 01 2024
Housing construction guarantee
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#Press releases
Jun 25 2024
PRESS RELEASE
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#Press releases
Jun 19 2024
Housing construction guarantee
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#Press releases
Jun 17 2024
ПРЕСС-РЕЛИЗ
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#Press releases
Jun 12 2024
ПРЕСС-РЕЛИЗ
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#Press releases
Jun 10 2024
Housing construction guarantee
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#Press releases
Jun 10 2024
Застройщики г. Астаны получили Гарантию АО «КЖК»
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#Press releases
Jun 04 2024
Housing construction guarantee
-
#Press releases
Jun 03 2024
Застройщики г. Астаны получили Гарантию АО «КЖК»
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#Press releases
May 29 2024
PRESS RELEASE
-
#Press releases
May 21 2024
Housing construction guarantee
-
#Press releases
May 20 2024
PRESS RELEASE
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#Press releases
May 11 2024
PRESS RELEASE
-
#Press releases
Apr 26 2024
Housing construction guarantee
-
#Press releases
Apr 15 2024
Kazakhstan Housing Company signed the first electronic Guarantee Agreement
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#Press releases
Mar 15 2024
How to get subsidies and what the KHC guarantee provides
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#Press releases
Feb 09 2024
PRESS RELEASE
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#Press releases
Nov 16 2023
Ratings of Kazakhstan Housing Company JSC changed from “Stable” to “Positive”
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#Press releases
Nov 02 2023
ПРЕСС-РЕЛИЗ Представители АО «Казахстанская жилищная компания» встретились с застройщиками г. Усть-Каменогорск
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#Press releases
Sep 21 2023
Представители АО «Казахстанская Жилищная Компания» встретились с застройщиками города Шымкент
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#Press releases
Sep 21 2023
Представитель АО «Казахстанская жилищная компания» встретился с застройщиками г.Жезказган
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#Press releases
Sep 13 2023
ПРЕСС-РЕЛИЗ Первый заместитель Председателя Правления посетил объект с гарантийным случаем
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#Press releases
Aug 17 2023
Housing construction guarantee
-
#Press releases
Jun 26 2023
A meeting was held with engineering companies in the field of equity participation in housing construction
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#Press releases
Jun 22 2023
Dear investors and partners!
-
#Press releases
Mar 24 2023
PRESS ANNOUNCEMENT
-
#Press releases
Mar 10 2023
Guarantee of housing construction
-
#Press releases
Jan 16 2023
Guarantee of housing construction
-
#Press releases
Jan 09 2023
Merry Christmas!
-
#Press releases
Jan 07 2023
Happy New Year!
-
#Press releases
Jan 01 2023
Guarantee of housing construction
-
#Press releases
Dec 19 2022
Happy holidays!
-
#Press releases
Dec 16 2022
Guarantee of housing construction
-
#Press releases
Dec 12 2022
Guarantee of housing construction
-
#Press releases
Dec 05 2022
Guarantee of housing construction
-
#Press releases
Nov 28 2022
Guarantee of housing construction
-
#Press releases
Nov 21 2022
Congratulations!
-
#Press releases
Nov 16 2022
Guarantee of housing construction
-
#Press releases
Nov 14 2022
Electronic messaging service has been launched
-
#Press releases
Nov 11 2022
Dear subscribers!
-
#Press releases
Nov 09 2022
Announcement
-
#Press releases
Nov 08 2022
Guarantee of housing construction
-
#Press releases
Nov 07 2022
Guarantee of housing construction
-
#Press releases
Oct 31 2022
Guaranteed housing construction
-
#Press releases
Oct 26 2022
Dear compatriots!
-
#Press releases
Oct 25 2022
Guaranteed housing construction
-
#Press releases
Oct 17 2022
The Kazakhstan Housing Company JSC held a meeting with the Board of Directors of the Asian Development Bank
-
#Press releases
Oct 17 2022
The international conference was held
-
#Press releases
Oct 12 2022
Guaranteed housing construction.
-
#Press releases
Aug 08 2022
Guarantee of housing construction
-
#Press releases
Jul 18 2022
Discussion of the standard for the integrated development of territories
-
#Press releases
Jun 14 2022
Media Library
Congratulations!
-
#Press releases
Nov 16 2022
Jul 04 2024
The affirmation reflects Fitch’s view of ‘Virtually certain’ extraordinary support from Kazakhstan (BBB/Stable) for KHC. This is due to its strategic importance for the country as the key housing development operator and core consolidator of the housing sector.
KEY RATING DRIVERS
Support Score Assessment ‘Virtually certain’
We consider that extraordinary support from Kazakhstan to KHC would be ‘Virtually certain’ in case of need, reflecting a support score of 45 (out of a maximum 60) under Fitch’s Government-Related Entities (GRE) criteria. This reflects a combination of responsibility to support and incentive to support factors assessment as below.
Responsibility to Support
Decision Making and Oversight ‘Very Strong’
KHC is wholly-owned by the state via JSC National Management Holding Baiterek (Baiterek, BBB/Stable). Fitch links KHC directly to Kazakhstan as it is a public-mission GRE with a strong policy role. Baiterek acts in lieu of the government and approves KHC’s budgets, borrowing decisions, investments and dividend policy.
KHC continuously cooperates with government agencies and committees in its day-to-day activities and regularly provides reports to ministries and other state entities. The company conducts its activities mainly under government programmes and its key performance indicators are dominated by socially important indicators like volume of housing constructed using KHC’s instruments.
Precedents of Support ‘Strong’
KHC benefits from low-cost long-term state funding for the implementation of state programmes. The main forms of funding are loans and bonds from Baiterek, which represent around 94% of KHC’s debt. More than half of these funds were provided under a large state anti-crisis programme in 2020-2021, and the rest under various housing programmes. In 2022-2023 direct state support was limited and KHC mainly used previously acquired funds on a revolving basis.
KHC generates moderate profit and pays dividends to Baiterek annually. In 2024 the government decided to provide additional KZT272 billion to KHC for the buyout of local and regional government bonds via a loan sourced from Sovereign Wealth Fund Samruk-Kazyna JSC (BBB/Stable).
Incentives to Support
Preservation of Government Policy Role ‘Very Strong’
KHC’s socio-political importance is underlined by its key role in state housing development and a lack of direct substitutes. Affordable housing is high on the government’s political agenda. At end-2023, average per capita living space in Kazakhstan was about 23.9sq m (end-2022: 23.4sq m), significantly below the international standards of at least 30sq m.
The company stimulates housing supply by extending funds to residential construction companies as well as providing them with subsidies and guarantees. KHC estimated that about 20% of new residential apartments in Kazakhstan in 2023 were built with the help of its instruments (2022: 27%). KHC also stimulates demand for housing, but this is on a smaller scale, mainly through social rental contracts with an option of buy-out.
Contagion Risk ‘Strong’
KHC is an important participant on the domestic bonds market. In addition to regular bond issuance, it invests in local and regional government bonds, thus providing long-term funding to the market. Exposure to international funds is limited to loans from Eurasian Development Bank (EDB), which represent around 1.5% of KHC’s debt. Fitch assumes that a default of KHC, as a high-profile entity, would have a significant impact on the availability and cost of domestic financing for other GREs in Kazakhstan.
Standalone Credit Profile
KHC’s Standalone Credit Profile (SCP) is unchanged at ‘b+’ under Fitch’s Non-Bank Financial Institutions Rating Criteria. KHC’s SCP is constrained by its business profile, limited franchise and high concentration on both sides of the balance sheet. KHC sticks to its policy role and its performance relies on cheap/subsidised funding from the parent group. The company operates as an instrument providing financing to local municipalities and to a lesser extent,real estate companies to facilitate affordable housing development in Kazakhstan.
Investments in securities of local municipalities comprised 46% of KHC’s total assets at end-1Q24. These are spread across issuers but we assess the correlation of credit risk as high, given the proximity to the state. There were no delinquencies in this portfolio at end-1Q24. The loan portfolio was a modest 17% of total assets and included housing loans and financing leasing to individuals as well as to construction companies, all aimed at providing affordable housing at subsidised rates.
These loans are of weak quality with stage 3 delinquencies totalling 6% at end-1Q24, which is a marked improvement from 2022, when impaired loans ratio reached 9%. The stage 3 loans were only partially covered with loan loss reserves by 11.4% at end-1Q24.
KHC’s capitalisation and leverage position is strong, with the gross debt/tangible equity ratio at 4.2x as of end-1Q24. Throughout 2020-1Q24 the company has maintained significantly lower leverage than the internal cap of 7x. In 2023 KHC distributed 70% of previous year profits (2022: 70%).
Funding is provided at subsidised rates and the company benefits from a credit line from Baiterek. The company has small placements in public markets. However, this it is immaterial in relation to total funding.
KHC’s cash liquidity position is quite high as a result of early paid-off investments in local municipalities (KZT533 billion as of end-1Q24) and comfortably covers debt maturing until end-2025.
Derivation Summary
Fitch looks through the chain of control and classifies KHC as a public-mission GRE with strong links to Kazakhstan, despite its indirect state ownership through Baiterek. Fitch’s assessment of support rating factors under its GRE Criteria resulted in a score of 45 out of a maximum 60 and corresponding ‘Virtually certain’ assessment of extraordinary support from the government. KHC’s ‘b+’ SCP is five notches below Kazakhstan’s rating. Together these assessments lead to the equalisation of the IDR with the government’s at ‘BBB’.
Short-Term Ratings
The ‘F2’ Short-Term IDR reflects Fitch’s GRE Rating Criteria approach. KHC’s Short-Term IDR is equalised with the sponsor’s. This reflects our view that the provider of support is linked to or represents the state, has strong liquidity and would be willing to support the state-owned entity, in case of need.
Debt Ratings
The debt ratings are at the same level as KHC’s IDRs.
Issuer Profile
KHC is a main facilitator of affordable housing for Kazakhstan. One of its key functions is providing support to residential construction via the buyout of local bonds as well as providing guarantees and subsidies to developers, stimulating housing supply. KHC also supports demand in the housing market by provision of social rental housing with buy-outs, repurchase of commercial banks’ mortgages and other channels.
Liquidity and Debt Structure
KHC’s debt structure is weighted towards bonds, which comprised 67% of its total debt at end-2023. The majority of the issued debt (94%) is owned by Baiterek and primarily sourced from Kazakhstan National Fund and National Bank of Kazakhstan. Another 32% of debt is represented by loans from Baiterek. The residual 2% is direct funding from the national government, the capital city and EDB.
Fitch expects KHC’s debt structure will continue to be heavily dominated by low-cost state-related funding over the medium term (95% of total debt as of end-2023). The maturity profile of KHC’s debt stretches to 2052, with no significant refinancing risks over the medium term.
RATING SENSITIVITIES
Factors that Could, Individually or Collectively, Lead to Negative Rating Action/Downgrade
– A downgrade of Kazakhstan’s IDRs
– A dilution of linkage with the sovereign or weaker incentives to support leading to a reassessment of key risk factors
Factors that Could, Individually or Collectively, Lead to Positive Rating Action/Upgrade
– An upgrade of Kazakhstan’s IDRs
ESG Considerations
The highest level of ESG credit relevance is a score of ‘3’, unless otherwise disclosed in this section. A score of ‘3’ means ESG issues are credit-neutral or have only a minimal credit impact on the entity, either due to their nature or the way in which they are being managed by the entity. Fitch’s ESG Relevance Scores are not inputs in the rating process; they are an observation on the relevance and materiality of ESG factors in the rating decision. For more information on Fitch’s ESG Relevance Scores, visit https://www.fitchratings.com/topics/esg/products#esg-relevance-scores.
PUBLIC RATINGS WITH CREDIT LINKAGE TO OTHER RATINGS
KHC’s IDRs are directly linked to Kazakhstan’s IDRs
References for Substantially Material Source Cited as Key Driver Rating
The principal sources of information used in the analysis are described in the Applicable Criteria.
Jul 03 2024
В Казахстане только 160 жилых комплексов имеют законные основания для привлечения средств дольщиков. Об этом сообщает жилищный портал АО «Казахстанская жилищная компания» («КЖК»).
Проверять ЖК и застройщика очень важно! Иначе покупатель рискует остаться без квартиры и потерять деньги. На сегодня в Казахстане 377 ЖК не имеют разрешений/гарантий на привлечение средств дольщиков. За год количество таких объектов выросло в два раза.
Когда покупать квартиру в строящемся ЖК безопасно
1. Застройщик имеет один из трёх видов разрешения на строительство:
— гарантию КЖК,
— разрешение МИО,
— участие БВУ.
Только при их наличии покупатель может быть уверен, что ЖК, в который он вложился, будет достроен обязательно, даже если застройщик обанкротится. За него это сделает либо другая компания, либо государство.
На Krisha.kz в разделе «Новостройки» есть фильтр «Наличие ДДУ». Выбрав его, пользователь видит ЖК, у которых есть разрешения на привлечение денег дольщиков.
Регион | ЖК с разрешениями |
Астана | 74 |
Алматы | 50 |
Шымкент | 15 |
Акмолинская обл. | 3 |
Алматинская обл. | 2 |
Костанайская обл. | 4 |
Актюбинская обл. | 1 |
ЗКО | 2 |
Атырауская обл. | 5 |
Мангистауская обл. | 1 |
ВКО | 3 |
Подробнее здесь.
2. Также добросовестный застройщик должен заключить с покупателем именно договор долевого участия. Сделки по договорам предварительного бронирования, резервирования, инвестирования и другим формам небезопасны.
Договор долевого участия: что он даёт
3. У застройщика должны быть все необходимые юридические документы и разрешения на участок, строительство ЖК (очереди или пятна).
Поэтому будьте бдительны и проверяйте застройщиков и ЖК! Актуальные сведения можно найти на сайте «Жилищный портал» (homeportal.kz), в разделе «Объекты долевого строительства», а также в акиматах.
Источник: https://krisha.kz/content/news/2024/2024-v-kakih-zhk-kazahstana-bezopasno-pokupat-kvartiry
Jul 03 2024
Представляя идеальное пространство для жизни, люди часто мечтают о стильной квартире в безопасном и обустроенном жилищном комплексе, где присутствуют все необходимые услуги. Известно, что цель приобретения такого жилья становится более доступной, когда внимание уделяется объектам, находящимся на этапе их возведения. Однако, чтобы уберечь себя от ненужных хлопот и финансовых потерь, критически важно выбирать застройщика с безупречной репутацией и строго следовать законодательным нормам.
Сегодня мы рассмотрим комплексы в Астане, покупка квартир в которых полностью безопасна и прозрачна.
https://homsters.kz/bazis/landmark
Застройщик: BAZIS-А
Отделка: улучшенная черновая
Класс: бизнес
Местоположение: Есильский район, улица Сауран, 3
LandMark, жилой комплекс, представляющий собой эксклюзивное творение от известного застройщика BAZIS-А, предлагает уникальное сочетание высококлассных апартаментов, продуманной инфраструктуры и благоустроенных пространств, расположенных в изысканном левобережном районе столицы.
https://homsters.kz/bi-group-development/mod-standard
Застройщик: BI Group
Класс: эконом
Местоположение: Есильский район, пересечение улиц Т.Рыскулова и 37 улицы
Новый архитектурный проект Bigville MoD представляет собой современное здание, которое расположено в прекрасном районе столицы. Вокруг него можно найти набережную, торговые и деловые центры, а также школы. Это место обеспечивает безопасность и комфорт для активной и счастливой жизни, а также для отдыха.
https://homsters.kz/shar-kyrylys/grand-victoria-2
Застройщик: Шар-Құрылыс
Отделка: предчистовая
Класс: комфорт
Местоположение: Алматинский район, пересечение улиц С. Нұрмагамбетова и ул. А. Байтурсынулы
Комфортабельный жилой комплекс, расположенный на Аллее Тысячелетия, отличается своим красочным оформлением и наличием уютного сквера.
https://homsters.kz/ferrum/new-city1
Застройщик: Ferrum
Класс: комфорт
Местоположение: район Сарыарка, вдоль набережной реки Есиль
«Ferrum City» — жилой комплекс, раскинутый таким образом, что объединяет сразу два берега реки Есиль. Он включает в себя три квартала и состоит из 37 жилых блоков.
https://homsters.kz/too-jetisu/atamura2
Застройщик: TOO «JETISU»
Отделка: предчистовая
Класс: комфорт
Местоположение: Алматинский район
ATAMURA представляет собой жилой комплекс нового поколения, обеспечивающий высокий уровень комфорта для своих жителей. Его расположение рядом с аллеей Тысячелетия предоставляет географические преимущества. Комплекс выделяется своей уникальной архитектурой, продуманной инфраструктурой и неповторимой атмосферой.
https://homsters.kz/bazis/monaco1
Застройщик: BAZIS-А
Класс: бизнес
Местоположение: Алматинский район, пересечение улиц Шамши Калдаякова и просп. Тауелсыздык
Застройка переменной этажности (8-14) сооружается по всем канонам бизнес-класса, с применением дорогих и экологичных материалов. Внешне дом напоминает изящный замок, как те, что строили сотни лет назад. Кажется, что попадёшь туда и окажешься в другом измерении.
https://homsters.kz/bi-group-development/sezim-qala-shattyq
Застройщик: BI Group
Отделка: предчистовая
Класс: эконом
Местоположение: улица Бухар жырау, 3 стр
Находится квартал Arena City в сердце спортивной жизни Астаны и принадлежит бигвиллю Arena, он пронизан духом городских сооружений и олицетворяет собой единство и гармонию. Здесь Barys Arena и спортивный комплекс Qazaqstan соединены в бесконечный поток энергии и страсти, ставший символом казахстанского спорта.
https://homsters.kz/aizia-invest/yassaui
Застройщик: Aizia invest
Отделка: улучшенная черновая
Класс: комфорт
Местоположение: Есильский район, пересечение проспектов Кабанбай батыра и Туран
Насыщенный восточным колоритом и философией, комплекс назван в честь мавзолея Кожа Ахмета Яссауи. Здание создает уют и роскошь, окутанные ненавязчивым минимализмом. Здесь вы окунетесь в гармонию с окружающим миром, почувствуете умиротворение и восточную мудрость.
https://homsters.kz/bi-group-development/aisar
Застройщик: BI Group
Отделка: предчистовая
Класс: комфорт
Местоположение: Есильский район, вдоль улицы Е-321
Aisar в Астане — авторский проект с продуманными планировочными решениями, выигрышной локацией и продуманной придомовой территорией.
Девятиэтажный комплекс сооружается по кирпичной технологии, обеспечивающей высокие эксплуатационные характеристики: повышенную сейсмоустойчивость – 9 баллов, пожаро- и морозостойкость
https://homsters.kz/bazis/austria
Застройщик: BAZIS-А
Класс: бизнес
Местоположение: район Алматы, улица Шамши Калдаякова, 4
Жилой комплекс Austria привлекает жителей города своим неповторимым архитектурным оформлением, выдержанном в стиле, сочетающим, как современные, так и классические традиции.
https://homsters.kz/bi-group-development/sezim-qala-baqyt-towers
Застройщик: BI Group
Отделка: улучшенная черновая
Класс: эконом
Местоположение: Нуринский район
Этот комплекс выигрышно среди остальных зданий уникальным архитектурным дизайном и особыми элементами на фасаде. Применение высококачественных материалов для наружных стен гарантирует их прочность и длительность использования.
https://homsters.kz/bazis/noho
Застройщик: BAZIS-А
Местоположение: Есильский район, улица Жошы хан, 20
Новый жилой комплекс NOHO смело вписывается в урбанистическую среду современного мегаполиса, расширяя возможности для комфортного обитания. Он возводится рядом с популярным ЖК SOHO продолжая концепцию комфортной жизни в столице.
https://homsters.kz/meridian-stroy-ltd/stolichnyi-2
Застройщик: MERIDIAN stroy LTD
Отделка: улучшенная черновая
Класс: комфорт
Местоположение: Сарыаркинский район, проспект Абая, 10
Для желающих жить в условиях удобства, жилищный комплекс Столичный-2 в Астане является превосходным выбором. Его привлекательность усиливается благодаря удачному месторасположению и развитой инфраструктуре. Расположение рядом основных транспортных артерий города предоставляет легкий доступ к различным его частям, внося значительный вклад в комфортность проживания.
https://homsters.kz/bazis/salzburg
Застройщик: BAZIS-А
Местоположение: Алматинский район, улица Абубакира Тыныбаева, 10
SALZBURG предлагает продуманную жизнь в каждой детали.
Дома объединены функциональным стилобатом с паркингом и приватным двором, закрытым от посторонних. Удобные въезды и выезды на пр. Тәуелсіздік обеспечивают экономию времени.
https://homsters.kz/shar-kyrylys/bagystan-2
Застройщик: Шар-Құрылыс
Отделка: предчистовая
Класс: комфорт
Местоположение: Есильский район
https://homsters.kz/jm-city-dom-park-review
Застройщик: JM Capital Holding
Отделка: улучшенная черновая
Класс: бизнес-класс
Местоположение: Есильский район, Туран, 76
Жилой комплекс состоит из многоквартирных домов переменной этажности (12-16), которые расположены по периметру участка, образуя тем самым большой квадрат с уютным благоустроенным двором. Дома спроектированы в едином архитектурном стиле, с учётом климатической и сейсмической активности региона.
https://homsters.kz/grand-building-group/dauletti-qalashyq
Застройщик: Grand Building Group (GBG.kz)
Отделка: черновая
Класс: бизнес-класс
Местоположение: Алматинский район, пересечении улиц А.Байтурсынова, А426 и А427.
«Dauletti Qalashyq», представляющий собой жилищный комплекс от компании «Grand Building Group», был создан с учетом всех нюансов для достижения комфорта и гармонии в жизни современной семьи в городских условиях. Этот амбициозный проект отличается своей современностью и масштабностью.
В контексте защиты интересов инвесторов в строительстве, существует специальный договор между Застройщиком и АО «КЖК», задача которого минимизировать риски участников долевого строительства и обеспечивать высокое качество строящихся объектов.
Благодаря гарантии КЖК, покупатель получает защиту от возможных рисков, среди которых может быть: объявление застройщика банкротом, эксплуатационные задержки продолжительностью свыше девяти месяцев, потеря денежных средств и др.
Со всеми новостройками Казахстана можно ознакомиться на сайте: homsters.kz
Источник: https://info.homsters.kz/garantiya-kzhk-v-kakih-zhilyh-kompleksah-astany-bezopasno-pokupat-zhilyo/
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