Requirements for the Borrowers | Citizens 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 purpose | To 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 amount | The 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 payment | From 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 rate | if income is confirmed in full– 12% per annum (AERR** from 12.7%) if income is confirmed partially - 14% per annum (AERR** from 15%) |
Fees | For 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: Additional collateral:
|
Insurance | Compulsory 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.
|
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
** Annual effective interest rate