7-20-25 Housing Mortgage Lending Program
Terms
| Financing | The limit is allocated by the Operator - Kazakhstan Fund for Sustainability JSC |
Loan purpose | acquisition of housing with a mortgage on the primary market |
Interest rate | 7% (AEIR from 7,24% before 7,80%) |
Maximum cost of housing | KZT 30,000,000 - for Astana, Almaty, (including suburban areas), Aktau, Atyrau, and Shymkent KZT 25,000,000 - for Karaganda KZT 20,000,000 - for other regions |
Down payment | at least, 20% of the cost of housing |
| Loan period | Up to 25 years - acquisition of only primary housing – residential real estate for which ownership is registered for the first time upon its acquisition from a developer (customer) or other legal entities selling housing from a developer (customer) (without restrictions on the choice of Residential Complex) |
Proof of income | mandatory |
Fees | 0 tenge |
Borrower requirements* | - citizenship of the Republic of Kazakhstan (including suburban areas) - no housing on the right of ownership (spouse) during the last 18 (eighteen) months in the territory of the Republic of Kazakhstan - no outstanding mortgage housing loans - purchase of primary housing only ** (no restrictions on the Residential Complex) - the pledger can only be the borrower - one borrower may receive a loan only once |
A borrower - individual shall be liable for failure to fulfil obligations under the Bank Loan Agreement.
The Bank shall be entitled, if a borrower fails to fulfil obligations under the Bank Loan Agreement, to:
- impose a forfeit (fine, penalty);
- foreclose on funds available on borrower's bank accounts;
- transfer debt for soft collection and pre-trial settlement to collection agency;
- file a lawsuit with a court.
How to apply:
Join the queue via the Halyk app in the Loans → Online queue section.
Check the queue in the Halyk app in the Loans → Online queue section.
Wait for a notification when your queue is up
After receiving the notification, visit Bank outlet to submit your loan application
Q&A
To apply for a place in the online queue, go to Halyk app:
• Log in to the app
• Go to the “Loans” - “Online Queue” section
• Read the terms and conditions and proceed
Queue registration is completed online, and no documents are required to join the queue.
The queue is generated automatically in the order of application based on the date and time of submission. It is impossible to change or improve your queue number.
You will receive an SMS or Push notification from the Bank. Within 10 calendar days, you should visit a Bank outlet to apply for a loan. It is important to note that if you are married, the presence of your spouse is mandatory.
Waiting time depends on the limit allocated by the operator of the program of Kazakhstan Sustainability Fund JSC.
No. Only one application is allowed per customer in the queue.
No, you can't. You can only cancel your place in the queue – in this case, your application will be removed from the general queue.
The queue progresses as the limit provided by the operator of the Kazakhstan Sustainability Fund JSC program becomes available.
Yes, that is possible. Being in the queue for this program does not prohibit applying for other mortgage products.
Important! However, according to the program terms and conditions, one of the compulsory requirements is the absence of housing owned, including the spouse, for the last 18 months within the territory of the Republic of Kazakhstan.
This means that when your turn comes and you submit an application for financing, the Bank will verify this term and condition – and may refuse to issue the loan.
No, transferring or re-registering the queue is not possible. The queue is assigned to the applicant and cannot be transferred to third parties, including spouses.
Yes, you can. However, you can participate in the 7-20-25 program only once.
No. The Bank does not have the right to unilaterally cancel an application. Refusing the queue is only possible at the customer’s initiative.
Due to a limit and high demand, the Bank is restricting the application period for loans.
Yes, you can resubmit the application to be placed on the waiting list, but only after completely canceling the previous application.
After submitting your application, you can check your queue in Halyk app in Loans - Online Queue section
10 calendar days.
Your queue will be automatically canceled. You can re-apply for a queue, but your position in the queue will not be saved.
Yes, you can refuse the waiting list at any time before receiving an invitation from the Bank. Once you refuse, your application will be removed from the waiting list.
No, once an application was submitted, the data cannot be changed. If necessary, you can refuse the queue and submit a new application.
The limit size is set by the program operator - Kazakhstan Fund for Sustainability JSC.
No. You can participate in the 7-20-25 program only once