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

216 depositors of HCSBK received keys from apartments in Pavlodar 19.12.2018

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. 

215 depositors of HCSBK received keys from apartments in Pavlodar 13.12.2018

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. 

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.

The first 1000 millions of military service men received privileged loans from HCSBK 02.11.2018

The amount of issued loans was equal to 16 billions of KZT. Loans for purchasing of own housing were issued to military service men at the rate of 6% to 8% per annum within frames of the special “military product”. HCSBK launched it this year with the purpose of supporting military service men. The first loan was issued on the 5th of September 2018.

Within frames of Nurly zher program 1500 Almaty depositors of HCSBK will celebrate house warming 24.10.2018

Nurly zher state housing program allows citizens to purchase own residential area under the most affordable conditions. Housing within frames of the state program is constructed within the line “Construction of credit housing through local executive authorities” in Alatau district of Almaty city, in Sayaly micro-district.

About 6 000 military service men will receive privileged loans from “Housing construction saving bank of Kazakhstan 10.10.2018

The first 64 military service men have already received affordable loans from Housing construction saving bank of Kazakhstan (HCSBK) and they have celebrated their house warming. 285 more applications are there in the bank awaiting consideration, the most part of which was submitted from Astana and Almaty.

Housing construction saving bank of Kazakhstan can provide 300 health care employees of Atyrau region with housing 08.10.2018

New housing will cost doctors and nurses 180 000 KZT for 1 square meter. Thus, one room apartment they may buy for 7,9 millions of KZT, and two room apartment – for 9,9 millions of KZT. Housing for employees of health care sector will be sold within frames of HCSBK own program - “My house”. 

NPL level in Housing construction saving bank of Kazakhstan was reduced to 0.25% 01.10.2018

Over the first half of the year HCSBK issued 62% of Kazakhstan mortgage. From 224.8 billions of KZT, which the banks issued to Kazakhstan citizens for purchasing of housing, 139,8 billions of KZT fall on HCSBK. 16 090 depositors of HCSBK received loans.

“Housing Construction Savings Bank of Kazakhstan” JSC issued the first loan within frames of “military product” 06.09.2018

The first credit was issued to military service man from Semey. Sergeant Kairat Tanyspayev has bought three-room apartment in the city center for 8,5 mln KZT. He will pay back the loan during 14 years, monthly payment will be equal to 79 416 KZT. It is important that the recipient of loan will pay this money not from his own salary.

In HCSBK the highest amount of savings under child deposit is equal to 10 mln of KZT 03.09.2018

“Housing Construction Savings Bank of Kazakhstan” JSC (HCSBK) experiences growth of demand for child deposit. By now this option was used by 145 000 parents through opening accounts in the name of their children. A year ago 133 000 child deposits were operating in the bank.

Keys from apartments were handed over to 108 depositors of HCSBK in Kokshetau 28.08.2018

New apartments were bought by “Housing Construction Savings Bank of Kazakhstan” JSC (HCSBK) clients under “Own house” program. The housing cost them at the price of 160 000 KZT per 1 square meter after finishing work. This is 15% less than market price for housing real estate in Kokshetau.


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