Пенсионные накопления
Вы можете использовать часть своих пенсионных накоплений в Едином накопительном
пенсионном фонде (ЕНПФ) на улучшение жилищных условий.
пенсионном фонде (ЕНПФ) на улучшение жилищных условий.
To do this, you need to:
- Find out the amount of pension savings available for use on the UAPF website
- Select the purpose for which the required amount will be used and submit an application on the platform
- Open a special account in «Otbasy Bank» (even if you are a client of the bank) through the Otbasy mobile application bank or video bank
- Get approval and direct the required amount to the chosen goal
HOW TO KNOW THE AVAILABLE AMOUNT?
The available amount – is the amount of retirement savings above the sufficiency threshold that you can use.
The sufficiency threshold – is the minimum required amount of pension savings in the UAPF to pay a pension upon reaching retirement age.
Find out your sufficiency threshold:
HOW CAN I USE MY PENSION SAVINGS?
1
Use your pension savings yourself and/or, if your funds are insufficient, accept the pension savings of a close relative or spouse. Close relatives are parents, children, adoptive parents, adopted children, full/ half siblings, grandfather, grandmother.
2
Transfer some or all of your savings to a close relative or spouse. You can transfer to multiple recipients. You can transfer the remainder of your savings even if you have already used the bulk of your pension funds.
Assignment of pension savings to a relative
Please read the assignment process carefully at the link: https://youtu.be/66_bcn8uiOo
IMPORTANT! The receiving party must be authorized on the UAPF platform before you select this purpose, for the correct formation of the bilateral agreement.
You can use the pension savings of your spouse, close relatives (with their consent) for any of the purposes listed below.
Instructions for transferring pension savings:
1
To transfer funds to a close relative/spouse, you must:
- Select the goal “Transfer of funds to a close relative/spouse”.
- Specify the amount you wish to relinquish.
- Specify the IIN of the person in whose favor the pension savings are being transferred.
2
Next, you need to form the necessary applications and sign a bilateral agreement on the assignment of lump-sum pension payments to your digital signature.
3
Wait for the message "Good news! Your single pension payment has arrived to your special account!" This will take up to 5 business days. This message means that the receiving party can log in to the platform and choose any goal to improve housing conditions and/or pay for treatment.
4
Then, you must upload documents confirming your close relationship or marriage with the host party.
Instructions for the recipient of pension savings:
1
You need to choose a goal, fill in the amount, sign the necessary statements.
2
Next, you need to sign a bilateral agreement on the assignment of lump-sum pension payments, with your digital signature.
FOR WHAT PURPOSES CAN THE AVAILABLE AMOUNT BE USED?
We remind you that documents confirming the intended use of funds (UAPF) must be provided:
• to improve housing conditions - within 20 (valid from 12.11.2021) business days,
• for treatment - within 45 business days from the date of transfer of funds from the UAPF to your account.
• to improve housing conditions - within 20 (valid from 12.11.2021) business days,
• for treatment - within 45 business days from the date of transfer of funds from the UAPF to your account.
Replenishment of the deposit in housing construction savings for further accumulation
can replenish your deposit in JSC «Otbasy Bank» using one-time pension payments using the following video instructions https://youtu.be/8QxUiEstMek
When choosing the goal: "Replenishment of the deposit in housing construction savings for further accumulation", it is necessary to take into account that this goal implies the accumulation of money only for the subsequent receipt (refinancing) of a mortgage housing loan under the housing construction savings system within 3 years from the date of their receipt on:
- acquisition of housing;
- purchase of housing, including renovation, within the framework of a single bank loan agreement;
- construction of an individual residential building (including the acquisition of a land plot with a designated purpose - individual housing construction or personal subsidiary farming)
To replenish your deposit in «Otbasy Bank», after receiving lump sum pension payments to a special account, you need to select a replenished deposit and make a transfer.
It is also necessary to take into account that the platform will not display the deposit if:
- the deposit contains requirements and/or restrictions imposed by authorized bodies and other third parties;
- the money on the deposit was accepted by the Bank as security under a bank loan agreement;
- the deposit is security (guarantee);
- the deposit is a participant in the "Online Concessions" auction;
- The deposit is a gift certificate.
Acquisition of housing in ownership through civil law transactions (final settlement)
You can buy an apartment, a private house, a room in a dormitory. Housing can be purchased on the primary or secondary market, as well as in a building under construction through shared participation in housing construction that has a guarantee in accordance with the legislation of the Republic of Kazakhstan, exchange, In case of insufficient amount of one-time pension payments for the purchase of housing, it is allowed to attract funds from other sources (one-time pension payments + own and (or) other funds), while the amount of one-time pension payments will be paid only after all payments have been made.
The list of documents required to confirm the purpose:
- a contract of sale, exchange (barter) of housing, and other title documents confirming the right of ownership of housing;
- a certificate of registered rights (encumbrances) to real estate and its technical characteristics, generated by you (the recipient of lump-sum pension payments) in your personal account on the eGov.kz portal and signed with an electronic digital signature
- a notarized receipt/statement of receipt of money, a registered additional agreement to the title document (if the title document does not contain the fact of transfer of funds to the seller from other sources);
- a document with the seller's bank details, issued by the bank, indicating the account details for transferring the lump sum pension payments (if the seller's account details are not included in the title document).
*The title document for the purchased property must contain: the amount and terms of payment, sources of funds from which payment is made (lump sum pension payments, own and (or) other funds), as well as the details of the seller's account to which lump sum pension payments should be transferred (IIC, BIC, IIN/BIN).
Partial repayment of mortgage housing loan debt (including through Islamic bank financing)
You can partially repay the debt of a mortgage housing loan for the purchase of housing, housing with repairs within the framework of one bank loan agreement received from any bank or mortgage company. Also, you can repay a mortgage loan received under the housing construction savings system, issued for the construction of an individual residential building, including the purchase of a land plot with the intended purpose of personal subsidiary farming or individual housing construction.
The list of documents required to confirm the purpose:
- *certificate of availability and balance of loan debt. The certificate is valid for 15 working days from the date of issue.
The certificate must contain:
- name of the bank or name of the bank branch;
- Full name, IIN of the borrower;
- bank loan agreement details (date, if any);
- the purpose of the loan issued under the bank loan agreement;
- the intended purpose of the lump sum pension payment: partial repayment of the debt on a mortgage housing loan for the purchase of housing and (or) housing with repairs within the framework of one bank loan agreement;
- remaining loan debt;
- Full name, position and signature of the authorized person of the bank.
*bank loan agreement (if the certificate does not contain information about the purpose of the mortgage housing loan).
Full repayment of mortgage housing loan debt (including through Islamic bank financing)
You can fully repay the debt on a loan for the purchase of housing, housing with repairs under one bank loan agreement received from any bank or mortgage company. Also, you can repay a loan received under the housing construction savings system, issued for the construction of an individual residential building, including the purchase of a land plot with the intended purpose of personal subsidiary farming or individual housing construction.
The list of documents required to confirm the purpose:
- *certificate of availability and balance of loan debt. The certificate is valid for 15 working days from the date of issue.
According to the requirements for the certificate of loan debt.
The certificate must contain:
- name of the bank or name of the bank branch;
- Full name, IIN of the borrower;
- bank loan agreement details;
- the purpose of the loan issued under the agreement;
- the intended purpose of the lump sum pension payment: full repayment of the debt on a mortgage housing loan for the purchase of housing and (or) housing with repairs within the framework of one bank loan agreement;
- remaining loan debt;
- Full name, position and signature of the authorized person of the bank.
*bank loan agreement (if the certificate does not contain information about the purpose of the mortgage housing loan).
Partial repayment of mortgage debt under the housing construction savings system
You can partially repay the debt on a loan for the purchase of housing, housing with repairs under one bank loan agreement received from any bank or mortgage company. Also, you can repay a mortgage loan received under the housing construction savings system, issued for the construction of an individual residential building, including the purchase of a land plot with the intended purpose of personal subsidiary farming or individual housing construction.
The list of documents required to confirm the purpose:
- *certificate of availability and balance of loan debt. The certificate is valid for 15 working days from the date of issue.
The certificate must contain:
- name of the bank or name of the bank branch;
- Full name, IIN of the borrower;
- bank loan agreement details;
- the purpose of the loan issued under the agreement;
- the intended purpose of the lump sum pension payment: partial repayment of the debt on a mortgage housing loan for the purchase of housing and (or) housing with repairs within the framework of one bank loan agreement;
- remaining loan debt;
- Full name, position and signature of the authorized person of the bank.
*bank loan agreement (if the certificate does not contain information about the purpose of the mortgage housing loan).
Clients of JSC «Otbasy Bank» after submitting an application for this purpose, please reserve a queue in advance through the Bank's website.
Full repayment of mortgage debt under the housing construction savings system
You can fully repay the debt on a mortgage loan for the purchase of housing, housing with repairs under one bank loan agreement received from any bank or mortgage company. Also, you can repay a mortgage loan received under the housing construction savings system, issued for the construction of an individual residential building, including the purchase of a land plot with the intended purpose of individual housing construction or personal subsidiary farming.
The list of documents required to confirm the purpose:
- *certificate of availability and balance of loan debt. The certificate is valid for 15 working days from the date of issue.
The certificate must contain:
- name of the bank or name of the bank branch;
- Full name, IIN of the borrower;
- bank loan agreement details;
- the purpose of the loan issued under the agreement;
- the intended purpose of the lump sum pension payment: full repayment of the debt on a mortgage housing loan for the purchase of housing and (or) housing with repairs within the framework of one bank loan agreement;
- remaining loan debt;
- Full name, position and signature of the authorized person of the bank.
*bank loan agreement (if the certificate does not contain information about the purpose of the mortgage housing loan).
Clients of JSC «Otbasy Bank» after submitting an application for this purpose, please reserve a queue in advance through the Bank's website.
Partial payment under long-term housing lease agreements with the right to purchase, privatization, purchase and sale with payment installments
Under long-term housing lease agreements with the right to purchase
If you have entered into a lease agreement with the right to purchase within the framework of housing construction and anti-crisis programs, then you will be able to partially pay off the debt under long-term housing lease agreements using one-time pension payments within the framework of this purpose.
The list of documents required to confirm the purpose:
- *certificate signed by an authorized person of the organization on the details and amount of debt under the lease agreement with the right of purchase, on the intended purpose of the leased property, on the bank details of the account to which one-time pension payments must be transferred to pay off the rent debt.
Under privatization agreements
If you enter into a privatization agreement, you will be able to make an initial payment/partial payment under the privatization agreement using lump-sum pension payments within the framework of this purpose.
The list of documents required to confirm the purpose:
- a privatization agreement drawn up in the name of the recipient;
- * a certificate/letter from the organization or government agency transferring the housing under the privatization agreement on the amount of the initial payment/partial payment/debt under the privatization agreement, on the bank details of the account to which one-time pension payments must be transferred to make the contribution under the privatization agreement.
- a certificate of registered rights (encumbrances) to real estate and its technical characteristics, generated by you (the recipient of lump-sum pension payments) in your personal account on the eGov.kz portal and signed with an electronic digital signature.
in the case of purchasing housing with an installment plan for a period of up to ten years in the case of paid purchase of housing and/or under other conditions under a privatization agreement in the absence of registration of ownership, the supporting documents are:
- a privatization agreement drawn up in the name of the recipient;
- * a certificate/letter from the organization or government agency transferring the housing under the privatization agreement on the amount of the initial payment/partial payment/debt under the privatization agreement, on the bank details of the account to which one-time pension payments must be transferred to make the contribution under the privatization agreement.
*The title document for the purchased property must contain: the amount and terms of payment, sources of funds from which payment is made (lump sum pension payments, own and (or) other funds), as well as the details of the seller's account to which lump sum pension payments should be transferred (IIC, BIC, IIN/BIN).
Under purchase and sale agreements with payment by installments
If you purchase a home under a purchase and sale agreement with payment by installments, you will be able to make a down payment/partial/full payment using lump sum pension payments.
The list of documents required to confirm the purpose:
- *a contract of sale and purchase of a dwelling, drawn up in the name of the recipient with the condition of payment by installments with a repayment schedule (if there is a schedule);
- *a certificate of registered rights (encumbrances) to real estate and its technical characteristics, generated by you (the recipient of lump-sum pension payments) in your personal account on the eGov.kz portal and signed with an electronic digital signature;
- *certificate/letter from the seller (individual, legal entity) on the amount of debt under the installment plan, bank account details to which one-time pension payments must be transferred to pay off the debt under the installment plan.
Full payment under long-term housing lease agreements with the right to purchase, privatization, purchase and sale with payment installments
Under long-term housing lease agreements with the right to purchase
If you have previously entered into a lease agreement with the right to purchase under housing construction and anti-crisis programs, you will be able to fully pay off the debt under long-term housing lease agreements using one-time pension payments.
The list of documents required to confirm the purpose:
- *certificate signed by an authorized person of the organization on the details and amount of debt under the lease agreement with the right of purchase, on the intended purpose of the leased property, on the bank details of the account to which one-time pension payments must be transferred to pay off the rent debt.
Under privatization agreements
If you have previously concluded a privatization agreement, then you will be able to make full payment under the privatization agreement using lump-sum pension payments within the framework of this purpose.
The list of documents required to confirm the purpose:
- a privatization agreement drawn up in the name of the recipient;
- a certificate of registered rights (encumbrances) to real estate and its technical characteristics, generated by you (the recipient of lump-sum pension payments) in your personal account on the eGov.kz portal and signed with an electronic digital signature;
- * a certificate/letter from the organization or government agency transferring the housing under the privatization agreement on the amount of the initial payment/partial payment/debt under the privatization agreement, on the bank details of the account to which one-time pension payments must be transferred to make the contribution under the privatization agreement.
in the case of purchasing housing with an installment plan for a period of up to ten years in the case of paid purchase of housing and/or under other conditions under a privatization agreement in the absence of registration of ownership, the supporting documents are:
- a privatization agreement drawn up in the name of the recipient;
- * a certificate/letter from the organization or government agency transferring the housing under the privatization agreement on the amount of the initial payment/partial payment/debt under the privatization agreement, on the bank details of the account to which one-time pension payments must be transferred to make the contribution under the privatization agreement.
*The title document for the purchased property must contain: the amount and terms of payment, sources of funds from which payment is made (lump sum pension payments, own and (or) other funds), as well as the details of the seller's account to which lump sum pension payments should be transferred (IIC, BIC, IIN/BIN).
Under purchase and sale agreements with payment by installments
If you have entered into a purchase and sale agreement with payment by installments, you will be able to make full payment under the purchase and sale agreement with payment by installments using lump sum pension payments.
The list of documents required to confirm the purpose:
- a contract of sale, exchange (barter) of housing, other title documents confirming the right of ownership of housing*, drawn up in the name of the recipient with the condition of payment by installments with a repayment schedule (if there is a schedule);
- a certificate of registered rights (encumbrances) to real estate and its technical characteristics, generated by you (the recipient of lump-sum pension payments) in your personal account on the eGov.kz portal and signed with an electronic digital signature;
- a certificate/letter from the seller (individual, legal entity) on the amount of debt under the installment plan, bank account details to which one-time pension payments must be transferred to pay off the debt under the installment plan.
Construction of an individual residential building (if you own a land plot)
You can build an individual residential house (if you own a plot of land with a designated purpose - individual housing construction or personal subsidiary farming) using one-time pension payments or using a total amount consisting of your own funds and one-time pension payments.
List of documents required to receive funds:
- a land purchase and sale agreement, an exchange agreement, other title documents confirming the right of ownership/right of land use to a land plot *(with the intended purpose being personal subsidiary farming or individual housing construction);
- deed of private ownership of a land plot;
- a certificate of registered rights (encumbrances) to real estate and its technical characteristics, generated by you (the recipient of lump-sum pension payments) in your personal account on the eGov.kz portal and signed with an electronic digital signature.
- documents for the construction of an individual residential building:
- a contract* (providing for the full completion of the construction of an individual residential building), concluded with a construction company that has the appropriate license. In cases where the recipient has already paid part of the amount for construction using its own funds, it is necessary to provide an additional agreement to the contract, which records the fact of partial payment using the recipient's own funds or other documents confirming the fact of payment;
- a license of a construction company for construction and installation work.
Obtaining a mortgage housing loan under the housing construction savings system in «Otbasy Bank»
You can buy an apartment, a private house, a room in a dormitory. Housing can be purchased on the primary or secondary market. Also, within the framework of one bank loan agreement, you can purchase housing with repairs, build an individual house (including the purchase of a land plot with the intended purpose of personal subsidiary farming or individual housing construction).
After submitting an application for this purpose, Bank employees will contact you and provide a full consultation on the procedure and necessary documents.
Making a down payment to obtain a mortgage housing loan for the purchase of a home and/or a home with renovation within the framework of one BLA (including within the framework of financing by an Islamic bank)
You can buy an apartment, a private house, a room in a dormitory. Housing can be purchased on the primary or secondary market. Also, within the framework of one bank loan agreement, you can buy housing with repairs.
Необходимый перечень документов для подтверждения цели:
- *гарантийное письмо за подписью уполномоченного лица банка, ипотечной организации об одобрении уполномоченным органом ипотечного жилищного займа получателю (с использованием единовременных пенсионных выплат) на приобретение жилища и (или) жилища с проведением ремонта в рамках одного договора банковского займа с указанием суммы, цели и размера первоначального взноса по такому займу. Срок действия гарантийного письма 15 рабочих дней с даты выдачи.
Acquisition of housing (apartment) under a contract for shared participation in housing construction (final settlement)
You can purchase housing in a building under construction through shared participation in housing construction with a guarantee under the legislation of the Republic of Kazakhstan (KHC Guarantee). In case of insufficient amount of one-time pension payments for the purchase of housing, it is allowed to attract funds from other sources (one-time pension payments + own funds), while the amount of one-time pension payments will be paid only after all payments have been made.
Необходимый перечень документов для подтверждения цели в случае приобретения жилья путем долевого участия в жилищном строительстве многоквартирного жилого дома (при наличии гарантии согласно законодательству о долевом участии в жилищном строительстве):
- договор о долевом участии в жилищном строительстве/договор цессии, оформленный на имя получателя с приложением договора о долевом участии в жилищном строительстве, оформленный на прежнего дольщика;
- выписка об учетной записи договора о долевом участии в жилищном строительстве/договора цессии
- письмо от застройщика с указанием размера и сроков оплаты, источников за счет каких средств осуществляется оплата (единовременные пенсионные выплаты, собственные и (или) иные средства), а также реквизитов счета продавца, куда должны перечисляться единовременные пенсионные выплаты (в случае невозможности отражения сведений в графике оплаты дольщиком доли в многоквартирном жилом доме, который является приложением к договору долевого участия).
*Правоустанавливающий документ на приобретаемое жилище должен содержать: размер и сроки оплаты, источники за счет каких средств осуществляется оплата (единовременных пенсионных выплат, собственных и (или) иных средств), а также реквизиты счета продавца, куда должны перечисляться единовременные пенсионные выплаты (ИИК, БИК, ИИН/БИН).
ВАЖНО!
В случаях:
В случаях:
- расторжения договора о долевом участии в жилищном строительстве;
- уступки права по договору о долевом участии в жилищном строительстве
сумма единовременной пенсионной выплаты должна быть Вами возвращена на счет в ЕНПФ в течение 3 (трех) рабочих дней.
Acquisition of a land plot into ownership through civil law transactions with a designated purpose - individual housing construction or personal subsidiary farming (final settlement)
You can purchase a plot of land (with the intended purpose of personal subsidiary farming or individual housing construction) using one-time pension payments or using a total amount consisting of your own funds and one-time pension payments for the subsequent construction of an individual residential building.
Required list of documents:
- a contract for the sale and purchase of a land plot, an exchange, other title documents confirming the right of ownership of a land plot *(with the intended purpose being personal subsidiary farming or individual housing construction);
- deed of private ownership of a land plot;
- certificate of registered rights (encumbrances) to real estate and its technical characteristics (for a land plot);
Treatment
goals:
treatment of orphan diseases;
dental services;
reconstructive and restorative surgeries (plastic);
radionuclide and radioiodine therapy;
radiosurgical treatments;
proton therapy;
ophthalmological services.
treatment of orphan diseases;
dental services;
reconstructive and restorative surgeries (plastic);
radionuclide and radioiodine therapy;
radiosurgical treatments;
proton therapy;
ophthalmological services.
How to apply for the use of pension savings for TREATMENT:
- Submit an application for a lump sum pension payment and sign it with your electronic digital signature;
- Within 5 working days, the UAPF will transfer the lump sum pension payment to your special account in JSC «Otbasy Bank»;
- After the funds have been received into the special account, contact a specialized medical specialist for diagnostics;
- After receiving the conclusion of a specialist, contact the medical organization at the place of attachment (you can find out the place of attachment on the E-Gov.kz portal ) and submit an application there for the provision of a conclusion of the medical commission, with a copy of the identity document attached; The conclusion of the medical commission is valid for 3 (three) months from the date of its issue;
- The medical commission will make a decision within 5 working days from the date of application either to refer you for treatment or to refuse. Within 2 working days, the secretary of the commission will issue you a conclusion;
- After receiving a positive conclusion, select the medical organization where you want to be treated and enter into an agreement with it. The agreement must specify the type of medical services, the diagnosis established by the medical commission, the amount and the details of the medical organization;
- Upload the conclusion of the medical commission and the agreement with the medical organization in PDF format to the UAPF-otbasy.kz platform;
- JSC «Otbasy Bank» will check the compliance of the documents within 5 working days and transfer funds from your special account to the medical organization according to the details specified in the agreement.
Refinancing of a mortgage housing loan under the housing construction savings system
You can refinance in JSC «Otbasy Bank» mortgage housing loans issued by other banks for the purchase of housing (including with repairs), construction of an individual residential building (including the purchase of a land plot. The list of documents required to confirm the purpose: a certificate signed by an authorized person of the bank, mortgage organization. The certificate is valid for 15 working days from the date of issue.
The certificate must contain:
- name of the bank or name of the bank branch;
- Full name, IIN of the borrower;
- bank loan agreement details;
- the original purpose of the loan issued under the agreement;
- the intended purpose of the lump sum pension payment;
- remaining loan debt;
- Full name, position and signature of the authorized person of the bank.
Obtaining a mortgage housing loan for the construction of an individual residential building (including the acquisition of a land plot) under the housing construction savings system
You can build an individual residential house (including purchasing a land plot with the designated purpose of a personal subsidiary farm or individual housing construction) using one-time pension payments or using a total amount consisting of your own funds and one-time pension payments.
List of documents required to receive funds:
- a contract for the sale and purchase of a land plot, an exchange, other title documents confirming the right of ownership/right of land use to a land plot *(with the intended purpose being personal subsidiary farming or individual housing construction);
- act on the right of private ownership of a land plot, act on the right of temporary paid land use (lease);
- certificate of registered rights (encumbrances) to real estate and its technical characteristics (for a land plot);
- documents for the construction of an individual residential building:
- a contract* (providing for the full completion of the construction of an individual residential building), concluded with a construction company that has the appropriate license. In cases where the recipient has already paid part of the amount for the construction using their own funds, it is necessary to provide an additional agreement to the contract, which records the fact of partial payment using the recipient's own funds or other documents confirming the fact of payment;
- a license of a construction company for construction and installation work.
*it is mandatory to have in the title document for the land plot (if the land plot was acquired using a one-time pension payment), in the contract for the construction of an individual residential building a clause on the source, amount and terms of payment of one-time pension payments (in terms of each source)
You can build an individual residential house (including purchasing a plot of land with the designated purpose of a personal subsidiary farm or individual housing construction) using one-time pension payments or using a total amount consisting of your own funds and one-time pension payments.
IMPORTANT!
In cases:
In cases:
- termination of the housing construction savings agreement;
- assignment of rights under the housing construction savings agreement, the amount of the lump sum pension payment must be returned to your account in the UAPF within 3 (three) working days.
WHERE TO APPLY TO USE THE AVAILABLE AMOUNT?
You can select a goal, upload the necessary documents, submit an application and monitor its status on the portal.
To submit an application, you must log in to the portal using a valid electronic digital signature (EDS) of an individual.
HOW TO OPEN A SPECIAL ACCOUNT?
Otbasybank mobile app, or through the video bank on our website. More information on how to open a special account here.
Pension payments in a special account will be maximally protected; they cannot be written off as part of any other debt obligations of the applicant.
