Branch subsidiary of JSC "Baiterek National Management Holding"
Affordable housing

Affordable housing





“Housing construction saving bank of Kazakhstan” JSC (HCSBK) is a subsidiary organization of “Baiterek National Management Holding” JSC and implements the system of housing construction savings, which is aimed at improvement of population housing conditions through attracting money of depositors to housing construction deposits and providing them with housing loans.

The main advantages of HCSBK:

  • State-owned
  • Deposit Insurance
  • The highest rating
    in Kazakhstan
Credit on favourable terms from 3,5% per annum

HCSBK offers 3 types of loan provision under the most beneficial conditions. The period of money lending is from 6 to 25 years:

  • Housing loan
  • Interim loan
  • Preliminary loan

  • Estimate your personal financial budget for buying a new build
  • Open a deposit and top in up on a monthly basis
  • Take easy loan for the remainder of the house cost
  • Improve your housing conditions

Almaty mayor's administration along with HCSBK launches «Bakytty otbasy» budget supported money lending for families with many children 11.03.2019

It will help provide 1 276 Almaty multi-child families with apartments, who are in queue in Almaty mayor's administration for housing. Since today all of them can apply online through specially developed website for participation in the program.

Each tenth resident of Almaty has an account in HCSBK 01.03.2019

Now 186 214 Almaty residents are saving money in HCSBK for housing. 108,8 billions of KZT are concentrated on their accounts. 1000 residents of the megapolis celebrated housewarming party since the beginning of the year. Almaty resident Kunym Alzhanova is among them.

HCSBK depositors in Astana received first loans based on housing certificates 12.02.2019

A Kazakh language teacher purchased in Astana one room apartment for 11,8 millions of KZT. Whereas 2 millions of KZT she saved herself on HCSBK account and 1 million KZT more was transferred to her by Astana mayor's administration. Thus, the initial contribution of the pedagogue was 25%. 

IFC and HCSBK summed up the results of first stage of cooperation 07.02.2019

IFC which is a member of the World Bank Group, and HCSBK (a subsidiary of Baiterek holding) discussed today the current activity of the bank within the agreement, which was signed between the financial organizations at the end of 2018. The purpose of this agreement – development of a new loan product for HCSBK.

202 900 HCSBK depositors received maximum bonus from the state 05.02.2019

The bonus from the state was accrued according to 2018 results totally to 1 038 869 depositors of HCSBK. 28,6 billions of KZT altogether were accrued to their accounts. This is by 5,6 billions of KZT more than it was paid to bank depositors last year.

Each forth loan in HCSBK was issued under “Nurly Zher” program 17.01.2019

In the year 2019 HCSBK plans to issue loans to its depositors under Nurly Zher program for 59,7 billions of KZT. Housing within the state program for HCSBK customers will be sold in all regions of the country. Lyazzat Ibragimova – chairperson of HCSBK board of directors told about this today at the press-conference in the Government.

HCSBK launched “Orda” regional housing program in Kyzylorda region 15.01.2019

This is a social project of HCSBK developed jointly with regional mayor's administration. This will allow residents of the region to purchase leased housing with further buyout.
“Orda” housing program is planned for three years.

Housewarming event in Astana will be celebrated by first 100 HCSBK depositors due to housing certificates 10.01.2019

Astana city mayor's administration allocated 100 millions of KZT from the budget specially for this. And today 100 persons received housing certificates with nominal value of 1 million of KZT: doctors, teachers, policemen. The money will be spent on initial contribution for purchase of apartment through HCSBK.

215 depositors of HCSBK received keys from apartments in Pavlodar 04.01.2019

On the eve of the Day of the first President the mayor of Pavlodar region – Bulat Bakauov and HCSBK regional branch director – Talgat Bailov personally congratulated them with their house warming event. The new housing in Pavlodar was built within the frames of “Nurly zher” program at the price of 121 000 KZT per 1 square meter. 

216 depositors of HCSBK received keys from apartments in Pavlodar 02.01.2019

On the eve of the Independence Day the mayor of Pavlodar region – Bulat Bakauov and deputy chairman of HCSBK board of directors – Nurlan Akshanov congratulated them with their house warming event. New housing for Pavlodar city dwellers within “Nurly zher” program goes at the price of 120 000 KZT for 1 square meter.

First HCSBK depositors received housing certificates in Aktobe region 14.12.2018

Aktobe residents Zhanna Sarsenova and Alla Yaskina are going to have house warming event. The day before the city mayor Ilyas Ispanov handed housing certificates to them in the amount of 10% of the cost of their future housing. The HCSBK depositors will purchase the apartments under “Nurly zher” program. 

Depositors of HCSBK celebrated house warming event by games and a flash mob 06.12.2018

HCSBK depositors celebrate house warming. HimMashStroy-Service LLP has built comfortable and inexpensive housing in Uralsk for them. The facility is located at the address: Severo-Vostok micro-district 2, house 22. The cost for 1 square meter for HCSBK customers is there from 138 000 KZT to 148 000 KZT in pre-final finishing state. This is by 7% cheaper than the market price.

HCSBK has signed an agreement with IFC for development of a credit product 15.11.2018

Kazakhstany citizens will have an additional tool for solving of the housing issue with application of international practices. HCSBK has signed the relevant agreement with the International Finance Corporation – IFC – which is a member of the World Bank. We believe that developed housing sector has a decisive significance for stable development of Kazakhstan and financial institutions such as HCSBK play an important role in facilitating the growth of this sector. 

Mayor's administration of Aktobe region will help 500 depositors of HCSBK to pay the initial contribution for purchasing of housing 12.11.2018

Today, mayor of Aktobe region – Berdybek Saparbayev – and chairperson of HCSBK – Lyazzat Ibragimova – have signed an agreement on provision to HCSBK depositors of a loan for purchasing of apartments. What is meant here is material support of those, who are in queue for housing in regional mayor's administration and who want to participate in “Nurly zher” state housing program.

Excess payment of provident Kazakhstany citizens in relation to housing loans will be equal to less than 1 million of KZT 07.11.2018

The system of housing construction savings helps citizens to significantly save up on mortgage. It allows the residents of the country to receive loans at the rate of 3.5 to 5% per annum. For this purpose they have to save up in HCSBK 50% of housing cost within minimum three years. As of the moment 1.2 millions of people have used housing construction savings system.


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