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Mortgages in Kazakhstan

Compare verified state, market and savings programs. Conditions are stored separately from banks and backed by official sources.

Subsidized

7-20-25

Kazakhstan Sustainability Fund
Limited funding
Rate7%
Down20%
Term25 years

State program for commissioned primary housing.

Limited funding

All conditions
Verified: 2026-09-08
Market

Digital Mortgage

Halyk Bank
Available
Rate20.5–24%
Down20%
Term20 years

Halyk market mortgage for ready property.

Available

All conditions
Verified: 2026-09-08
Savings

JAÑA Mortgage

Bank CenterCredit
Available
Rate5–22.1%
Down20%
Term15 years

BCC mortgage backed by a guarantee deposit.

Available

All conditions
Verified: 2026-09-08
Market

Nurbank Mortgage

Nurbank
Available
Rate20–22.2%
Down20%
Term20 years

Market mortgage for residential property.

Available

All conditions
Verified: 2026-09-08
Savings

Cash-backed Mortgage

ForteBank
Available
Rate9–17.1%
Down20%
Term15 years

ForteBank mortgage with refundable cash collateral.

Available

All conditions
Verified: 2026-09-08
Savings

Housing Loan

Otbasy Bank
Available
Rate3.5–5%
Down50%
Term—

Otbasy Bank loan after saving 50% of the property value.

Available

All conditions
Verified: 2026-09-08