How to get a mortgage?

There are two ways to apply for a loan (mortgage):

• obtaining a loan from private commercial banks;
• registration of a loan at JSC Zhilstroysberbank

Obtaining a loan from private commercial banks

Primary requirements

1. Your solvency and loan collateral influence on banks’ decisions to issue loans.
2. A mortgage loan is issued to a person with a regular official income, which should be sufficient for the monthly payment of the loan and the daily needs of the borrower.
3. If your income alone is not enough, you can resort to involving a relative as a co-borrower.
4. Banks also have requirements for real estate that will act as collateral for a loan: it must be built no earlier than a certain year, in good condition, brick/panel, etc.

A down payment

To apply for a loan, you must also have a down payment. The banks determine its size themselves. As a rule, it ranges from 10 to 50% of the cost of housing.

Additional Information

Be sure to consult with the bank's credit manager at every stage. They are required to provide you with detailed information. All requirements and conditions of mortgage lending programs can be found on banks’ websites: https://www.banker.kz/banks/

Useful links

Mandatory requirements for the content of loan and pledge agreements can be read here: http://adilet.zan.kz/rus/docs/V1100006877

Applying for a loan at JSC Zhilstroysberbank

Primary requirements

1. It is necessary to have an open bank account with a certain amount and accumulation period.
2. If you have savings in this bank, the interest rate on the loan is significantly lower than in other banks.
3. For those wishing to purchase real estate through this operator without prior savings, an interim loan service is offered with the condition of paying 50% of the cost of housing. The procedure for accumulating savings and the conditions for obtaining a loan can be found on the website of JSC Zhilstroysberbank.
4. The main stages of applying for a loan are similar to those in commercial banks

A down payment

To apply for a loan, you must also have a down payment. The size of the down payment is determined in accordance with affordable housing programs. As a rule, the contribution ranges from 10 to 50% of the cost of housing.

Useful links

The procedure for accumulating savings and the conditions for obtaining a loan, as well as about affordable housing programs, can be found on the website of JSC Zhilstroysberbank: www.hcsbk.kz