logo

7-20-25 Mortgage

Benefits

7%
rate for borrowers

Over 20%
downpayment

Up to 25 years
loan term

Loan issuance terms

Purpose

Purchase of commissioned new housing from the developer (customer, investor of construction)

Lending currency

tenge

Maximum value of housing

25 million tenge for Nur-Sultan, Almaty (and their suburban areas within the boundaries established by the legislation of the Republic of Kazakhstan), Aktau, Atyrau, Shymkent;


20 million tenge — for Karaganda;

 

15 million tenge — for other regions.

Loan amount

from 150 000 tenge till 20 million tenge for Nur-Sultan, Almaty (and their suburban areas within the boundaries established by the legislation of the Republic of Kazakhstan), Aktau, Atyrau, Shymkent;

 

from 150 000 tenge till 16 million tenge – for Karaganda;


from 150 000 tenge till 12 million tenge — for other regions.

Loan term

Up to 25 years

Interest rates

7% per annum (AERR from 7.2% per annum)*

Downpayment

20% of the pledged security cost. At the borrower’s initiative, a downpayment of over 20% is allowed.

The Bank provides loans to customers – employees of companies, participating in the Bank’s payroll projects; other company employees – holders of payroll cards, or upon provision of a document confirming transfer of payroll by the employer to the customer account with the Bank, as well as to other customers within the internal requirements of the Bank. 

*Approved by the Credit Product and Risk Retail Committee (Minutes РККПиР-2020-2-29 dated 1 July 2020)

Requirements for the client

  • Obligatory citizenship of the Republic of Kazakhstan
  • The borrower’s and co-borrower’s/guarantor’s age - above 23 years of age, it must not exceed the retirement age (58 years for women, 63 years for men) by the expiration date of the Bank loan agreement
  • Income confirmation is required
  • The borrower has no outstanding debt on loans for purchase, construction or repair of housing
  • The borrower has no housing within the territory of the Republic of Kazakhstan under the ownership right, except:
    - rooms in shared households with a usable area of less than 15 square meters per family member;
    - residential buildings in unfit condition, threatening to fail (collapse), which is confirmed by an appropriate certificate from the local executive body at the location of this housing.

The requirements for purchased housing

Commissioned primary housing

New housing purchased from the developer, customer, investor of construction

Maximum cost of housing

Nur-Sultan, Almaty, Aktau, Atyrau, Shymkent -
25 million tenge
Other regions -
15 million tenge

How can one get a mortgage loan?

The Client finds housing and contacts the Bank

The Bank verifies the borrower and approves the loan issuance

The Client concludes a sale and purchase agreement and makes a downpayment to the developer

The Bank issues the loan and credits it to the developer

The Client moves into new housing

Applications are accepted

Branch No. 3Aktobe, Astana Town District, Amangeldy Kuszhanov Str., House 7
Branch No. 4Karaganda, Kazybek Bi Town District, Abdirov Avenue, Building 3/2
Branch No. 6Almaty, Almaly City District, Baytursynuly Str., House 50/52;
Branch No. 7Kostanay, M. Dulatov Str., House 70
Branch No. 8Atyrau, Kulmanov Str., House 107
Branch No. 9Ust-Kamenogorsk, Ye. P. Slavskiy Embankment, Building 24/3
Branch No. 10Taraz, Abay Avenue, House 142
Branch No. 11Aktau, Microrayon 5, Building 45
Branch No. 12Pavlodar, Naberezhnaya Str., House 3
Branch No. 13Uralsk, Kurmangazy Str., House 125
Branch No. 14Petropavlovsk, Ibray Altynsarin Str., House 168 А
Branch No. 15Shymkent, Abay District, Temirlan Highway, Building 1В
Branch No. 17Kokshetau, Bauyrzhan Momyshuly Str., Building 62/1
Branch No. 19Taldykorgan, Yu. Gagarin Str., House 136
Branch No. 20Kyzylorda, Zheltoksan Str., House 11 А
Branch No. 22Turkestan, Tauke Khan Avenue, House 228
Outlet No. 991Semey, Bauyrzhan Momyshuly Str., House 16
Outlet No. 1292Ekibastuz, Mashkhur Zhusip Str., Building 54
Outlet No. 409Zhezkazgan, Gharyshkerler Avenue, House 38
Branch No. 5Nur-Sultan, Kabanbay batyr Avenue, House 30

Loan repayment

  • Via cash desk at the Bank outlet

Do you need a consultation?

Beeline

+7 (771) 000 7722

Tele2-Altel

+7 (700) 000 7722

ActivKcell

+7 (702) 000 7722

Smartbank
mobile app

Ваш город: Алматы.
Верно?


Order a call back


Thanks!

Your application is accepted. Our manager will call you back shortly.

Good

Получить консультацию

Спасибо!

Ваша заявка принята. Наш менеджер перезвонит Вам в самое ближайшее время для уточнения деталей.

Хорошо

Получить консультацию

Спасибо!

Ваша заявка принята. Наш менеджер перезвонит Вам в самое ближайшее время для уточнения деталей.

Хорошо