Zhas Otbasy
If you are newly married, get a bridge loan at only 6% per annum
with a one-year accumulation period!!
with a one-year accumulation period!!
Loan interest rate: 6% per annum (AEIR from 6,3% to 6,8%)
Amount: up to 100 000 000 tenge
Loan term: from 6 to 9 years
Collateral: the property being acquired
Lending purposes
- Purchase and renovation of an apartment or house on the primary market, including under a shared participation agreement
- Buying and renovating an apartment or house on the secondary market
- Construction of a house (including acquisition of a land plot)
Important conditions!
To receive a loan from «Zhas Otbasy», one or both spouses must first open
a NEW deposit in Otbasy Bank and save on it for at least 1 year.
a NEW deposit in Otbasy Bank and save on it for at least 1 year.
Over the accumulation period, the EI must be
at least 5.
at least 5.
At the time of submitting a loan application, you must have saved or deposited 50% of the
purchase price of the home.
purchase price of the home.
At the time of opening the deposit, your marriage must not be more than five years old (according to the marriage certificate).
Advantages
There are no age restrictions for spouses!
Two years after receiving the loan, the rate is reduced to 5% per annum (AEIR from 5,1% to 6,9%) after switching to a housing loan.
You can open deposits for both spouses, combine them into a Family Package* and receive DOUBLE state bonuses!
* Only spouses can participate in the Family Package for the product «Zhas Otbasy».
Important to know!
You can switch to another Otbasy Bank program, while your deposit remains, but its terms are canceled
You can have several deposits, but only one deposit with the «Zhas Otbasy» attribute
Each spouse can have their own deposit «Zhas Otbasy»
The assignment of deposits «Zhas otbasy» is allowed only between spouses
Splitting the deposit for the product «Zhas Otbasy» is allowed only in two cases:
- when the right of ownership arises by
inheritance - according to a court decision that has entered into legal force, while the preferential terms of the «Zhas Otbasy» deposit do not apply to the successor
