“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
bank -
Deposit Insurance
Fund -
The highest rating
in Kazakhstan
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
Today members of House construction savings bank of Kazakhstan Community council (a subsidiary organization of Baiterek holding) were told about realization of two socially important housing programs. What is meant here are “Askeri baspana” and a new focus area of “Nurly zher” program – loan issue to low income families for purchase of housing.
As of today House construction savings bank of Kazakhstan is a leader by the volume of mortgage issue. 59% of all loans , which are issued to Kazakhstan citizens for construction an purchasing of housing (as per data of Republic of Kazakhstan National bank as of 01.04.2019), fall to its share.
House construction savings bank of Kazakhstan (a subsidiary organization of Baiterek holding) realized in the current year the housing program for military service persons. With updated conditions it started on the 2nd of May and already on the 27th of May the bank has declared about its early finishing. Over 19 work days 680 loans for the amount of 10,7 billions of KZT were issued.
An in-person meeting of board of directors of House construction savings bank of Kazakhstan of Kazakhstan JSC took place on the 20th of May 2019 in Astana chaired by Aidar Arifkhanov – chairman of Baiterek holding executive board.
All new settlers are participants of “Bakytty otbasy” city housing program. It was launched by Almaty mayor's administration jointly with House construction savings bank of Kazakhstan in March 2019 and today first new settlers, who bought housing under this program, were congratulated by Almaty city mayor – Bauyrzhan Baibek and deputy chairperson of House construction savings bank of Kazakhstan executive board – Zhanar Zhubaniyazova.
472 families among them are getting ready to move to their apartments. Their housing is located in Alatau district of Almaty, in Sayaly micro-district. Today new settlers received keys from apartments from Almaty deputy mayor – Mukhit Azirbayev – and deputy chairperson of House construction savings bank of Kazakhstan executive board – Zhanar Zhubaniyazova.
The loan was issued to a resident of the capital city. Captain Amina Ashenova purchased three-room apartment in Nur-Sultan. Previously the family with two children leased a housing waiting for launching of updated terms of the “military product”.
Now military service persons and employees of special state authorities for purchasing of housing through House construction savings bank of Kazakhstan (subsidiary organization of Baiterek holding) do not have to participate in the pull and wait for results thereof.
On Kazakhstan national unity day they were congratulated with homewarming event by Nur-Sultan city mayor – Bakhyt Sultanov and House construction savings bank of Kazakhstan (subsidiary organization of Baiterek holding) chairperson of the executive board – Lyazzat Ibragimova.
On the 4th of April 2019 Fitch ratings international rating agency confirmed long-term ratings of default of issuer – House construction savings bank of Kazakhstan (HCSBK) at BBB- level. Forecast by ratings is stable.
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 http://www.baqytty-otbasy.kz for participation in the program.
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.
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 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.
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.
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