Within frames of Nurly zher program 1500 Almaty depositors of HCSBK will celebrate house warming
24 October 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. The residential facility consists of 5-storey multi-apartment houses. The area of apartments is equal from 29 square meters to 84 square meters.
Cost of 1 square meter of housing with final finishing is 179 000 KZT. This is 2 times lower than average market price in a metrapolitan city.
In order to buy affordable square meters it is necessary to be a client of HCSBK and to have minimum 20% of housing cost on a deposit account. Such are the conditions for participation in Nurly zher program. The loan rate is 5% per annum.
For example, when purchasing one room apartment, which costs 6.3 millions of KZT, a person has to save up 1.2 millions of KZT on a deposit account in the bank. Average monthly payment will make 52 500 of KZT.
At the moment the bank formed the pull for 886 apartments, the bank will announce receiving of applications for purchase of 621 more apartments. Whereas 6 persons are the candidates for 1 apartment to be sold within frames of Nurly zher program in the line of HCSBK.
- As of today products and programs of HCSBK are the most demanded ones among Kazakhstan citizens. As per results of first 9 months of the current year our bank has issued 62% of total share of Kazakhstan mortgage. 26 000 Kazakhstan families have already celebrated house warming in their houses, 6000 from among them have done it within Nurly zher state program. And till the end of the year only in Almaty around 3000 apartments will be received by their hosts including 1500 apartment will be handed over for operation within Nyrly zher program. These numbers are a vivid example of an efficient solution of the most important social problem in the country – provision of citizens with affordable housing, - explained director of Almaty city branch of HCSBK – Gulzat Simtikova.
Housing under Nyrly zher program is distributed by principle 50/50. I.e not less than 50% apartments will be distributed among people in queue in mayor's administration, the remaining 50% of apartments will be distributed among other depositors of HCSBK, who are not in the queue.
Whereas people in queue in mayor's administration in order to participate in the state program have also to be depositors of the bank, to have accounts in HCSBK and to have savings.
Since housing within the state program is sold under privileged conditions there are certain requirements towards candidates for square meters. These are:
- citizenship of the Republic of Kazakhstan or repatriated Kazakh (oralman) status;
- unavailability in the Republic of Kazakhstan territory of housing by virtue of property title (as with candidate himself as well as with his family members who constantly live with him) for the last 5 years.
- availability of registration in Almaty for the last 2 years.
- confirmation of financial solvency.
You can learn about all facilities being constructed within Nurly zher program under HCSBK line by clicking the baspana.kz website. Via his/her personal account the candidate for affordable housing shall select the facility, in which he/she wants to purchase the housing, apartment, which he/she liked, and shall submit an application for participation in the pull of housing purchasers.
Besides the state programs HCSBK depositors may purchase the housing under “My house” program as well as at the stage of construction. This will be secure and inexpensive for clients of the bank since real estate developer has received guarantee of the Fund for guarantee of residential construction and has signed an agreement with HCSBK.
For example, a person can purchase an apartment even at the stage of construction in Alma city residential facility. The housing shall be sold there at the price of 165 000 KZT for 1 square meter in the base build condition and up to 224 000 for 1 square meter in final finishing condition. The area of apartments shall make from 36.3 to 77.4 square meters.
In March 2019 it is planned to hand over to operation all together 600 apartments in five-storey houses of Alma city residential facility. 1000 more apartments in nine-storey houses will be constructed by July 2019. Loans for purchase of housing you may receive at the rate of 7% per annum if you have on the account in HCSBK not less than 20% of initial contribution. Now 1.2 millions accounts are valid in HCSBK, since the beginning of the year 285 197 new deposits were opened. Particularly Almaty residents are saving up for housing through HCSBK most actively among all Kazakhstan citizens. Each 10th resident of the metropolitan city has an account in HCSBK. Totally 169 000 valid deposit accounts are there in Almaty. Whereas more than 25 thousands of persons have already purchased housing through HCSBK in the city. Since the beginning of the year Almaty branch employees of the bank have issued around 4 000 loans.
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. The residential facility consists of 5-storey multi-apartment houses. The area of apartments is equal from 29 square meters to 84 square meters.
Cost of 1 square meter of housing with final finishing is 179 000 KZT. This is 2 times lower than average market price in a metrapolitan city.
In order to buy affordable square meters it is necessary to be a client of HCSBK and to have minimum 20% of housing cost on a deposit account. Such are the conditions for participation in Nurly zher program. The loan rate is 5% per annum.
For example, when purchasing one room apartment, which costs 6.3 millions of KZT, a person has to save up 1.2 millions of KZT on a deposit account in the bank. Average monthly payment will make 52 500 of KZT.
At the moment the bank formed the pull for 886 apartments, the bank will announce receiving of applications for purchase of 621 more apartments. Whereas 6 persons are the candidates for 1 apartment to be sold within frames of Nurly zher program in the line of HCSBK.
- As of today products and programs of HCSBK are the most demanded ones among Kazakhstan citizens. As per results of first 9 months of the current year our bank has issued 62% of total share of Kazakhstan mortgage. 26 000 Kazakhstan families have already celebrated house warming in their houses, 6000 from among them have done it within Nurly zher state program. And till the end of the year only in Almaty around 3000 apartments will be received by their hosts including 1500 apartment will be handed over for operation within Nyrly zher program. These numbers are a vivid example of an efficient solution of the most important social problem in the country – provision of citizens with affordable housing, - explained director of Almaty city branch of HCSBK – Gulzat Simtikova.
Housing under Nyrly zher program is distributed by principle 50/50. I.e not less than 50% apartments will be distributed among people in queue in mayor's administration, the remaining 50% of apartments will be distributed among other depositors of HCSBK, who are not in the queue.
Whereas people in queue in mayor's administration in order to participate in the state program have also to be depositors of the bank, to have accounts in HCSBK and to have savings.
Since housing within the state program is sold under privileged conditions there are certain requirements towards candidates for square meters. These are:
- citizenship of the Republic of Kazakhstan or repatriated Kazakh (oralman) status;
- unavailability in the Republic of Kazakhstan territory of housing by virtue of property title (as with candidate himself as well as with his family members who constantly live with him) for the last 5 years.
- availability of registration in Almaty for the last 2 years.
- confirmation of financial solvency.
You can learn about all facilities being constructed within Nurly zher program under HCSBK line by clicking the baspana.kz website. Via his/her personal account the candidate for affordable housing shall select the facility, in which he/she wants to purchase the housing, apartment, which he/she liked, and shall submit an application for participation in the pull of housing purchasers.
Besides the state programs HCSBK depositors may purchase the housing under “My house” program as well as at the stage of construction. This will be secure and inexpensive for clients of the bank since real estate developer has received guarantee of the Fund for guarantee of residential construction and has signed an agreement with HCSBK.
For example, a person can purchase an apartment even at the stage of construction in Alma city residential facility. The housing shall be sold there at the price of 165 000 KZT for 1 square meter in the base build condition and up to 224 000 for 1 square meter in final finishing condition. The area of apartments shall make from 36.3 to 77.4 square meters.
In March 2019 it is planned to hand over to operation all together 600 apartments in five-storey houses of Alma city residential facility. 1000 more apartments in nine-storey houses will be constructed by July 2019. Loans for purchase of housing you may receive at the rate of 7% per annum if you have on the account in HCSBK not less than 20% of initial contribution. Now 1.2 millions accounts are valid in HCSBK, since the beginning of the year 285 197 new deposits were opened. Particularly Almaty residents are saving up for housing through HCSBK most actively among all Kazakhstan citizens. Each 10th resident of the metropolitan city has an account in HCSBK. Totally 169 000 valid deposit accounts are there in Almaty. Whereas more than 25 thousands of persons have already purchased housing through HCSBK in the city. Since the beginning of the year Almaty branch employees of the bank have issued around 4 000 loans.
