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

Affordable housing

Deposits

Deposits

Credits

Credits

“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
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

In 2019 two socially important housing programs of House construction savings bank of Kazakhstan will help 10 000 Kazakhstan citizens to purchase housing 18.06.2019

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.

Launching of “Appraisers' cabinet” reduced the period of loan application consideration in House construction savings bank of Kazakhstan 10.06.2019

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 solved housing issue of 3 800 military service persons over one month 29.05.2019

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.

Board of directors of House construction savings bank of Kazakhstan of Kazakhstan JSC held an ordinary session 20.05.2019

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.

House construction savings bank of Kazakhstan issued first privileged loans to families with many children. 17.05.2019

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.

This year “Nurly zher” program in House construction savings bank of Kazakhstan will help 1 400 Almaty residence to celebrate housewarming 08.05.2019

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.

House construction savings bank of Kazakhstan issued the first loan under the updated housing program for military service persons. 06.05.2019

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”.

House construction savings bank of Kazakhstan launched updated housing program for military service persons. 03.05.2019

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.

364 capital city depositors of House construction savings bank of Kazakhstan received keys of apartments. 02.05.2019

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.

Fitch confirmed ratings of House construction savings bank of Kazakhstan at BBB- level, forecast is stable 08.04.2019

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.

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 http://www.baqytty-otbasy.kz 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.

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