• Up to ₸ 65,000,000
  • Up to 20 years
  • From 12% p.a.
65 mil. ₸
maximum loan amount
of the loan amount (commissions)
from 12,9%
annual effective rate
Loan conditions
Enter your data and learn your monthly installment amount
Loan amount
Loan term
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 the BorrowersCitizens of the Republic of Kazakhstan aged 21 to retirement age at the end of the loan
no overdue debt exceeding 60 calendar days (for the last three years) 
Lending purposeTo buy apartments in the following cities: Astana, Almaty, Shymkent, Aktobe, Aktau, Atyrau, Karaganda, Kokshetau, Kostanay, Kyzylorda, Pavlodar, Petropavlovsk, Semey, Taraz, Uralsk, Ust-Kamenogorsk, Turkestan, Kosshy village.
It is allowed to formalize the ownership of the purchased apartment, both for the borrower and for a third party
Loan amountThe minimum amount is 1,000,000 Tenge
The maximum amount is 40,000,000 Tenge
The maximum loan amount is 65,000,000 Tenge in the cities - Nur-Sultan and Almaty
Down paymentFrom 30 % of the value of the apartment to be purchased, if the Borrower has confirmed all his/her income
From 50% of the value of the apartment to be purchased, if the Borrower's income is confirmed partially*
Interest rateif income is confirmed in full– 12% per annum (AERR** from 12.7%)
if income is confirmed partially - 14% per annum (AERR** from 15%)
FeesFor consideration – 5,000 tenge;
For the organization of the loan – 1% of the loan amount
For changing the terms of the loan – in accordance with the approved rates of the bank
Collateral  (subject of pledge)

Main deposit:
* apartment to be purchased

Additional collateral:
* Residential and / or commercial property;

  • The land plot, as well as objects of real estate for industrial and warehouse purposes, are not accepted as additional and main collateral;
  • The term of operation of real estate should not exceed 50 years at the date of application for a loan, with the exception of real estate located in the city of Almaty, the term of operation of which should not exceed 60 years
InsuranceCompulsory insurance of the apartment to be purchased, as well as real estate provided as an additional collateral
Early repayment

Full or partial early repayment with payment of the actually accrued interest is allowed at any time.
In case of full or partial early repayment:

  • within 6 months from the date of receipt of the loan, the borrower pays a commission fee of 1% of the principal repayment amount
  • after 6 months from the date of receipt of the loan, the commission fee for early repayment is not charged
Method of submitting the Application form In the Bank branches
* The possibility of providing additional collateral as a down payment in the form of real estate that meets the requirements of the Rules for granting mortgage loans to individuals by Joint-Stock Company Mortgage Organization "Kazakhstan Mortgage Company" for the purchase of apartments through agent banks.
** Annual effective interest rate
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