Baspana Hit
  • Housing price is up to ₸ 25,000,000
  • Up to 15 years
  • From 11.25% p.a.
Baspana Hit
up to 80%
of the value (loan amount)
from 1.5%
of the loan amount (commissions)
from 13,75%
annual efficient rate
Loan conditions
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Loan amount
Loan term
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monthly payment
The monthly installment is an indicative estimate and may differ from one calculated as of the date of a consultation /actual loan disbursement.
Details of the product
Requirements for borrowers 
  • You must be 22 - 60 years old;
  • You must be a citizen of the Republic of Kazakhstan;
  • You have no outstanding debts on residential mortgage loans.
Lending purpose To purchase the primary** and secondary housing (other than primary one). The maximum value of the residential property to be purchased in Nur-Sultan, Almaty, Aktau and Atyrau shall be 25 million tenge, and 15 million tenge in other regions.
Loan amount up to 80% of the value of property to be purchased, but not less than 500,000 tenge 
Interest rate** The base rate*** approved by the National Bank of the RoK  as of the date of the Bank Loan Agreement + 1.75% (175 basis points, whereas one basis point is 0.01%.)**** 
Repayment date 15th day of each month 
Loan repayment method 
  • Equal monthly installments (annuity payment);
  • Installments are reduced on a monthly basis (graduated payments);
Collateral security Residential property purchased 
Proof of solvency:Proof of solvency is compulsory
 
Full or partial lockout period None 
Fees for consideration of the loan application and documents 10,000 tenge 
Arrangement fee 1.5% of the loan amount – shall be charged prior to the loan disbursement against the Borrower's own funds
Loan service feesAccording to the Bank's current tariffs 
Insurance Annual insurance of single-family houses as the pledged property, subject to a compulsory prolongation until the borrower fulfills all his/her liabilities under the Bank Loan Agreement in full. 
* according to Minutes #73-19 of the Bank Management Board dated 19.06.2019 and resolution #10/07/19-01 of the meeting of the Board of Directors dated 10.07.2019.
** a residential property, the title to which is registered for the first time when it is purchased from the developer, construction project owner or investor, local executive body or other legal entities selling the residential property on behalf of the developer, construction project owner or investor, or local executive body.
*** The information of the base rate is available on the website of the National Bank of the RoK.
**** The annual effective interest rate is from 12.1% p.a.
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