SHANYRAQ is a housing deposit that helps you save for a down payment and gain the opportunity to obtain a housing loan at a rate of 5% per annum (AEIR from 5.10%).
Open a deposit in Halyk SuperApp, replenish it regularly, and once the program terms and conditions are met, you will be able to apply for a mortgage to purchase a home.
How it works
Open a SHANYRAQ deposit in Halyk SuperApp
Save for housing by regularly replenishing the deposit for at least 36 months
Meet the program requirements:
- save at least 50% of the cost of the property being purchased;
- savings period — at least 36 months;
- reach a minimum evaluation score of 16
Apply for a housing loan at a rate of 5% per annum
Deposit terms and conditions
| Period | 36 months |
Currency | KZT |
| Interest rate | 2% p.a. (AEIR 2.02%) |
Minimum down payment | KZT 5,000 |
Minimum cost of the property being purchased | KZT 5,000,000 |
Replenishment | no limits |
Partial withdrawal | not provided |
Monthly capitalization of interest | |
Automatic renewal | up to 10 times |
| Deposit is insured by the Kazakhstan Deposit Insurance Fund for an amount up to KZT 10 million | |
Housing loan terms and conditions
| Interest rate | 5% p.a. (AEIR from 5.10%) |
Loan term | up to 10 years |
| Issuance fee | KZT 0 |
Advantages
Frequently Asked Questions
Yes. Replenishment has no limits
No. Partial withdrawal is not provided
After meeting all the program requirements: saving for at least 36 months, at least 50% of the cost of the property, and reaching an evaluation score of 16