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Market Mortgage Product (Baspana Hit)

Benefits

Terms

Requirements

Repayment

Benefits

The base rate of the National Bank of the Republic of Kazakhstan + 175 basis points

Not less than 20% downpayment

Up to 15 years loan term

Loan issuance terms

Purpose

purchase of primary** or secondary housing ***

Lending currency

tenge

Maximum value of housing property to be purchased

35 million KZT for Nur-Sultan, Almaty on the primary market;
25 million KZT for Nur-Sultan, Almaty on the secondary market;
25 million KZT for Aktau, Atyrau; Shymkent;
20 million KZT for Karaganda;
15 million KZT – for other regions.

Loan amount

150 000 tenge – 80% of the market value of collateral***, but not more than: 

28 million KZT for Nur-Sultan, Almaty on the primary market;
20 million KZT for Nur-Sultan, Almaty on the secondary market;
20 million KZT for Aktau, Atyrau; Shymkent;
16 million KZT for Karaganda;
12 million KZT – for other regions.

Loan term

Up to 15 years

Downpayment

not less than 20% of the market value of collateral****

Interest rates

the base rate of the National Bank of the Republic of Kazakhstan + 175 basis points” *****

Full / partial early repayment moratorium

Not available

Insurance

Annual insurance of collateral with extension until full performance by the borrower of obligations under the Bank loan agreement

Fee for consideration of the application and documents for a loan (one-time)

Not available

Fees related to loan servicing

Provided according to the current Bank fees under the Prosto Ipoteka product

* Approved according to the Minutes of the Management Board of the Bank No. 93/26 dated 2/11/2018 according to the Terms of Market mortgage product, approved by the Resolution of Shareholders of the Baspana MC JSC (the Operator) No. 9 dated 4/9/2018 in accordance with the resolution of the Management Board of the National Bank of the Republic of Kazakhstan No. 123 dated 29/6/2018 “On approaches to stimulate long-term lending in the housing market”.

** housing property object for which the right of ownership is registered for the first time at its acquisition from the developer, customer, investor of construction, local executive authority or other legal entities that sell housing on behalf of the developer, customer, investor of construction, local executive authority

*** non-primary housing

**** Information on the base rate amount is available at the website of the National Bank of the Republic of Kazakhstan. The amount of the annual nominal interest rate is determined as of the date of conclusion of the Bank loan agreement and cannot be changed throughout the loan term.

The launch of lending under the Market Mortgage Product Program* (“Baspana Hit”) is carried out by stages. Lending of customers – company employees – participants to payroll projects of the Bank and other customers within the internal requirements of the Bank.

Requirements for the client

  • Above 23 years, it must not exceed the retirement age (58 years for women, 63 years for men) by the expiration date of the Bank loan agreement
  • Citizenship of the Republic of Kazakhstan
  • Analysis of the borrower's and co-borrower's/guarantor's solvency in accordance with the Bank’s internal requirements
  • Absence of the borrower/co-borrower's outstanding debt on mortgage housing loans, confirmed by the credit report of the Credit Bureau

How can one get a mortgage loan?

The Client finds housing and contacts the Bank

The Bank verifies the customer and approves the loan issuance

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

The Bank issues the loan and credits it to the seller

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
  • Remember to make a payment on time. It is important to repay your loan on time, otherwise the credit history will be damaged, and difficulties may arise in the future when applying for a loan.

Do you need a consultation?

Beeline

+7 (771) 000 7722

Tele2-Altel

+7 (700) 000 7722

ActivKcell

+7 (702) 000 7722

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Do you need a consultation?

Beeline

+7 (771) 000 7722

Tele2-Altel

+7 (700) 000 7722

ActivKcell

+7 (702) 000 7722

Smartbank для
Android

Скачать Smartbank в PlayMarket

Smartbank для
iOS

Скачать Smartbank в App Store

Ваш город: Алматы.
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