Жаңа баспана
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Recipients of housing benefits will be able to purchase their own housing by participating in the housing construction savings system
In order to become a participant in the housing construction savings system, you need to open a special deposit in Otbasy Bank and after a certain period receive a loan at a rate of 3,5% (AEIR from 3,6% to 4,4%) to 5% per annum (AEIR from 5,1% to 6,9%)
Once a housing benefit recipient has saved 50% of the cost of their home, they can apply for a housing loan at the lowest interest rate in the country.
Housing payments can be used both for rent and for savings in Otbasy Bank. Housing can be purchased in any city in the country.Advantages of a special deposit in Otbasy Bank
State bonus
By opening a deposit in Otbasy Bank, you will receive an annual state bonus in the amount of 20% of your savings for the year (the maximum amount of the encouraged deposit is 200 MCI)
Simplified solvency analysis
The procedure for confirming solvency has been simplified when obtaining a housing loan
Otbasy Bank protects special depositsOtbasy Bank is the only bank in which special deposits have a special status and a guarantee of inviolability.
Housing payments:
- Not subject to withdrawal to the budget
- Cannot be the subject of collateral, with the exception of preliminary / interim loans Otbasy Bank
- They cannot be seized for other obligations of the owner of this account.
- Another second-tier bank cannot issue payment demands for this money to pay off overdue debt on issued loans.
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1. Open a personal special account
Housing payments are transferred to a personal special account opened in Otbasy Bank.
To open a personal special account and deposit you need:
- Identity card
- Certificate of the recipient of housing payments (issued by the Housing Commission at the place of service)
- Tripartite agreement on housing payments (issued by the employer)
2. Open a special deposit
In order to use housing payments as savings and receive bank remuneration and state bonuses on them, you need to open a special deposit to which housing payments or part of them will be transferred from a personal special account.
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What documents are needed to open a personal special account and deposit?
Identity card
Certificate of the recipient of housing payments (issued by the Housing Commission at the place of service)
Tripartite agreement (issued by the employer)
To open an account and make a deposit, you can call a consultant right here.On-site consultant:
opens a personal special account and a special deposit for you.
When opening a personal special account and deposit, the recipient of housing payments must have a mobile phone with them to receive an OTP code (one-time password) -
Housing can be purchased in any city in Kazakhstan.
You can include repair costs in the loan amount.
Housing payments can be used to purchase housing only once!
Preliminary loan
Preliminary loans for the purchase of primary housing, including under a shared participation agreement, are provided immediately, without the stage of accumulating a deposit.
- Initial payment - from 15% to 50%
- Interest rate - 8% (AEIR from 8,2% to 9,4%)
- Loan term - up to 8 years
Bridge loan
Bridge loans for primary/secondary housing, including under a shared participation agreement, and for housing construction (including the purchase of a land plot) are provided immediately upon deposit of 50% of the loan amount - in one lump sum or in parts.
- Initial payment - 50%
- Interest rate - 6% (AEIR from 6,2% to 6,6%)
- Loan amount - up to 100 000 000 tenge
- Loan term - up to 25 years
If the monthly payment amount (on the date of acceptance of the loan application) is greater than the housing payments, proof of income is required.
Housing loan
To receive a housing loan at a rate of 3,5% per annum (AEIR from 3,6% to 4,4%) to 5% per annum (AEIR from 5.1% to 6.9%), a bank depositor - recipient of housing payments - must accumulate 50% of the cost of housing in an account at Otbasy Bank.
What documents are needed to obtain a loan?Borrower's documents:
- Identity document of the client and the client's spouse
- Marriage/Divorce Certificate
- Birth certificates of children
Documents on the borrower's income:
- Salary certificate indicating all deductions (for six consecutive months preceding the loan application)
- Statement of pension contributions of the client and spouse from EGOV (for six consecutive months preceding the loan application)
- Client's credit history (provided at EGOV or PSC)
- Information on the amount of housing payments for six consecutive months preceding the submission of the loan application: a document (statement) from the Bank/Trading Bank from the special account of the recipient of housing payments, or in a certificate (document) on wages, or in a certificate on the recipient of housing payments
Documents required for home improvement loans:
Estimate of expenses for repair and construction works (according to the Bank template)
Title documents for the property to be renovated (the property must be registered to the recipient of housing payments)
Photos of the object before and after renovation (color, 6 or more pieces, size not less than 10x15)Documents required for mortgaged property:
- Independent Appraiser's Valuation Report
- Title documents for the property provided as collateral (purchase and sale agreement, exchange, gift, acceptance certificate)
- Document confirming payment for the appraisal report
- Technical passport for the property provided as collateral/certificate of private ownership
Seller's documents:
- Documents certifying the identity of all owners of the collateral
- Marriage certificate and spouse's identity card (if available )
- Certificate of registered rights (encumbrances) on real estate and its technical characteristics from EGOV (valid for 3 months )
- Certificate of registered rights (encumbrances) to a land plot from EGOV
The bank reserves the right to request additional documents.
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Разберем на примере
Например, майор, служащий в Астане, недавно женился, и пока молодая семья не имеет детей. Жилищные выплаты будут начисляться в размере 98 784 тенге - из расчета 49 392 (сумма жилищной выплаты в Астане) тенге на 1 человека.
Если эта семья пожелает сразу взять кредит, без первоначального взноса, то банк сможет выдать заем 9 700 ООО тенге.
На 9 700 ООО в Астане можно купить лишь однокомнатную квартиру. Но на перспективу для молодой семьи этого недостаточно.
Но если вы будете копить жилищные выплаты на счете в банке, то через несколько лет сможете претендовать на займы, позволяющие купить квартиру большей площади.
Почему выгодно копить дольше?Чем больше накопления, тем более качественное жилье можно купить!Как накопить больше?
Копить дольше, прежде, чем брать жилищный заем
Жилищные выплаты начисляются в зависимости от количественного состава семьи: получателя жилищных выплат, супругу/супруга, детей. Чем больше членов семьи, тем большую сумму можно накопить
Чем дольше копишь, тем больше премия государства и ниже процентная ставка по жилищному займу
- To charge penalties (fine, interest) in accordance with the terms of the Agreement;
- To recover funds available in the borrower's bank accounts;
- Transfer the debt to a collection agency for pre-trial collection and settlement;
- Apply to the courts with a statement to recover the debt from the borrower under the Agreement.
