+7 (771) 000 7722
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 Astana, Almaty (and their suburban areas within the boundaries established by the legislation of the Republic of Kazakhstan), Aktau, Atyrau, Shymkent;
20 (twenty) million tenge – for Karaganda, Turkestan;
15 million tenge — for other regions.
Loan amount
from 150, 000 to 20 million tenge for Astana, Almaty (and their suburban areas within the boundaries established by the legislation of the Republic of Kazakhstan), Aktau, Atyrau, Shymkent;
from 150, 000 to 16 (sixteen) million tenge – for Karaganda, Turkestan;
from 150, 000 to 12 (twelve) 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 Product Committee of Retail Business (Minutes ПКРБ-2024-2-116 dated 05.12.2024)
Requirements for the client
- Obligatory citizenship of the Republic of Kazakhstan
- The borrower’s and co-borrower’s/guarantor’s age - above 21 years of age, and by the date of termination of the bank loan agreement should not exceed the retirement age established by the legislation of the Republic of Kazakhstan
- 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
Astana, Almaty, Aktau, Atyrau, Shymkent - 25 mln tenge
Karaganda, Turkestan - 20 mln tenge
Other regions - 15 mln 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. 3 | Aktobe, Astana Town District, Amangeldy Kuszhanov Str., House 7 |
| Branch No. 4 | Karaganda, Kazybek Bi Town District, Abdirov Avenue, Building 3/2 |
| Branch No. 6 | Almaty, Almaly City District, Baytursynuly Str., House 50/52; |
| Branch No. 7 | Kostanay, M. Dulatov Str., House 70 |
| Branch No. 8 | Atyrau, Kulmanov Str., House 107 |
| Branch No. 9 | Ust-Kamenogorsk, Ye. P. Slavskiy Embankment, Building 24/3 |
| Branch No. 10 | Taraz, Abay Avenue, House 142 |
| Branch No. 11 | Aktau, Microrayon 5, Building 45 |
| Branch No. 12 | Pavlodar, Naberezhnaya Str., House 3 |
| Branch No. 13 | Uralsk, Kurmangazy Str., House 125 |
| Branch No. 14 | Petropavlovsk, Ibray Altynsarin Str., House 168 А |
| Branch No. 15 | Shymkent, Abay District, Temirlan Highway, Building 1В |
| Branch No. 17 | Kokshetau, Bauyrzhan Momyshuly Str., Building 62/1 |
| Branch No. 19 | Taldykorgan, Yu. Gagarin Str., House 136 |
| Branch No. 20 | Kyzylorda, Zheltoksan Str., House 11 А |
| Branch No. 22 | Turkestan, Tauke Khan Avenue, House 228 |
| Outlet No. 991 | Semey, Bauyrzhan Momyshuly Str., House 16 |
| Outlet No. 1292 | Ekibastuz, Mashkhur Zhusip Str., Building 54 |
| Outlet No. 409 | Zhezkazgan, Gharyshkerler Avenue, House 38 |
| Branch No. 5 | Astana, Kabanbay batyr Avenue, House 30 |
Loan repayment
- Via cash desk at the Bank outlet
Do you need a consultation?
+7 (700) 000 7722
+7 (702) 000 7722
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Do you need a consultation?
+7 (771) 000 7722
+7 (700) 000 7722
+7 (702) 000 7722
Smartbank для
Android
Скачать Smartbank в PlayMarket
Smartbank для
iOS
Скачать Smartbank в App Store