Mortgage for the purchase of housing under construction
The keys to your own apartment are in your hands
Advantages
Terms
Program purpose | purchase of housing under construction from Bank’s developer partner |
Bank Partners | BI-Group, Hayat, Sensata Group, BAZIS |
Maximum period | up to 20 years |
Fees | none |
Down payment | at least 20% of the property value |
Maximum loan amount | depending on Applicant’s solvency |
Collateral | housing under construction |
Insurance of the collateral | at the expense of the Bank (after the property is commissioned) |
Lending terms and conditions | Down payment from 20% to 30% | Down payment from 30% to 50% | Down payment from 50% |
Interest rate % | Interest rate % | Interest rate % | |
12 months | 1,50% (ГЭСВ 1,51%) | 1,50%(ГЭСВ 1,51%) | 1,50% (ГЭСВ 1,51%) |
13-24 months | 9,55% (ГЭСВ 10%) | 8,00% (ГЭСВ 8,3%) | 2,50% (ГЭСВ 2,5%) |
25-36 months | 13,00% (ГЭСВ 13,8%) | 12,00% (ГЭСВ 12,7%) | 8,00% (ГЭСВ 8,3%) |
37-60 months | 15,60% (ГЭСВ 16,8%) | 15,00% (ГЭСВ 16,1%) | 13,00% (ГЭСВ 13,8%) |
61-120 months | 17,00% (ГЭСВ 18.4%) | 16,50% (ГЭСВ 17,8%) | 15,60% (ГЭСВ 16,8%) |
121-180 months | 17,55% (ГЭСВ 19%) | 17,20% (ГЭСВ 18,6%) | 16,50% (ГЭСВ 17,8%) |
181-240 months | 18,00% (ГЭСВ 19,6%) | 17,50% (ГЭСВ 19%) | 17,00% (ГЭСВ 18,4%) |
List of developer partners
| BI Group | Hayat | Sensata Group | BAZIS |
The Borrower is an individual who shall be liable for failure to fulfill obligations under the loan agreement.
The Bank shall be entitled, in case of failure by the borrower to fulfill obligations under the loan agreement, including to:
- accrual of forfeit (fines, penalties);
- foreclosure on money available in the borrower's bank accounts;
- transfer of debt for pre-trial collection and settlement to a collection agency;
- filing a lawsuit in court.
How to apply
Apply in Halyk app
Select a developer and a residential complex
Fill out the questionnaire
Receive the Bank's decision