Women's mortgage "Umay"
Dear customers!
The Bank has entered into an agreement with the Asian Development Bank on lending to women for a total of 38 billion tenge. The first tranche in the amount of 8,4 billion was disbursed in 2021. 954 loans were issued. The second tranche in the amount of 14 billion was disbursed in 2022 and 1120 loans were issued.
The third tranche in the amount of 15,6 billion tenge was allocated.
It is planned to allocate no more than 40% of loans or about 200 loans for Almaty, Astana, Atyrau and Aktau.
60% of loans will be issued to residents of regions and small towns.
Mortgage terms
The amount of savings in Otbasy Bank
from 0%
from 0%
Loan amount from the estimated value of the apartment
up to 85%
up to 85%
The interest rate on the loan
is 14,4% per annum (the AEIR is from 15,4% to 16,4%)
is 14,4% per annum (the AEIR is from 15,4% to 16,4%)
Loan term
up to 10 years
up to 10 years
Reduction of the loan rate
after accumulating 50% of the loan amount
from 3,5% per annum (AEIR from 3,6% to 4,4%) to 5% per annum (AEIR from 5,1% to 6,9%)
after accumulating 50% of the loan amount
from 3,5% per annum (AEIR from 3,6% to 4,4%) to 5% per annum (AEIR from 5,1% to 6,9%)
Maximum family income
up to 640 000 tenge
up to 640 000 tenge
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Advantages
-
Acquisition of residential real estate both on the primary market (new buildings) and on the secondary market -
There are no restrictions on the ownership of other real estate -
Involvement of up to two co-borrowers -
In the event of failure by the borrower to fulfill obligations under the Bank Loan Agreement (hereinafter referred to as the Agreement), the Bank shall have the right to:
- 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.
