• Budget – up to KZT 18 billion;
• The maximum lending amount is up to KZT 18 million;
• The interest rate is 5%;
• The initial payment is 10%;
• Purchased housing is primary or secondary housing, commissioned housing/housing under construction/equity participation, on the condition if there is a guarantee of Kazakhstan Housing Company JSC;
• Proof of solvency pursuant to the internal documents of Otbasy Bank JSC;
• Coverage: 1000 people.

Submission of application and documents is carried out via the www.almaty-zhastary.kz website using a digital signature, which can be obtained at the CSC.

1. Citizenship of the Republic of Kazakhstan;

2. The age of applicants should be up to 35 years (inclusively) at the time of application submission, regardless of the age of a spouse (if any). Only one of the spouses is allowed to participate in the Program as a main participant;

3. If an applicant of the Program and members of his/her family does not own a housing, and there are no facts of deliberate deterioration of housing conditions over the past 5 years in the territory of the Republic of Kazakhstan, including common joint ownership, a share in shared ownership that makes up the common joint (shared) ownership of other family members or rental housing with the right to buy out lines of state programs on the territory of the Republic of Kazakhstan, with the exception of: a share in real estate received by a participant of the program or family members before lawful age and rental housing without the right of redemption for working youth (if there is a statement of refusal from the provided housing);

4. The official work experience of participants should be at least 6 months in Almaty with mandatory pension contributions in the following categories: healthcare, education, culture, sports, universities and research institutes, journalists, social sphere and law enforcement agencies (for more detailed description of the categories, please see the section "WHAT IS THE PROCEDURE FOR SELECTING PARTICIPANTS TO "ALMATY ZHASTARY" PREFERENTIAL LENDING PROGRAM");

5. Also, a statement of registered individual entrepreneurship in Almaty (if available) for a period of at least one year (this requirement applies to self-employed participants in the field of culture).

The following scan documents issued no earlier than 10 calendar days to the date of application and documents submission are accepted for consideration:

1. An application in the prescribed form. Download an application form;
2. Certificate of state registration of civil status (birth of children, death, marriage, divorce);
3. Certificate of absence (availability) of immovable property for an applicant and all family members in the Republic of Kazakhstan obtained from the e-Gov Portal (egov.kz);
4. Statement of pension accruals for the last year received from the e-Gov Portal (egov.kz);
5. A statement of employment issued on the letterhead of organizations/ institutions indicating the date of issue, an outgoing number, the date of employment and the position held. In the absence of a letterhead, a statement should have the seals of an organization. Download a statement form;
6. Documents confirming work experience pursuant to Article 35 of the Labor Code of the Republic of Kazakhstan;
7. Certificate of registration in the media (this requirement applies only to participants in the field of journalism);
8. Also supporting certificates (documents) (if available) issued by the Department of Culture of Almaty are submitted (this requirement applies only to self-employed participants in the field of culture).

The order of inclusion into the lists is determined by the number of points scored (based on the highest number of points) by category.

Distribution of housing lendings is carried out by separate spheres (categories):

Employees of the following spheres, whose facilities are located in Almaty, can participate:

1. Healthcare: full-time employees of state city and republican organizations/institutions, except for civil servants;
2. Education: full-time employees of state city and republican organizations/institutions, except for civil servants;
3. Culture: members of 10 artistic unions in the field of culture (Union of Writers of Kazakhstan, Union of Composers, Union of Artists, Union of Young Artists, Union of Designers, Union of Theatrical Figures of the Republic of Kazakhstan, Union of Architects of the Republic of Kazakhstan,  Union of Cinematographers, Union of Musical Figures of the Republic of Kazakhstan and Union of Craftsmen), full-time employees of state city and republican organizations/institutions, as well as self-employed participants in the sphere of culture, who have a corresponding certificate from the Department of Culture of Almaty, except for civil servants;
4. Sports: full-time employees, state city and republican organizations/institutions, except for civil servants;
5. Universities and research institutes: full-time employees of national universities, state city and republican enterprises/institutions engaged in research activities, as well as state city and republican laboratories, except for civil servants;
6. Journalists: full-time employees of organizations/institutions that have a certificate of registration in the media, except for civil servants;
7. Social sphere: full-time employees of state city organizations/institutions, except for civil servants;
8. Law-enforcement agencies: full-time employees of the Ministry of Internal Affairs of the Republic of Kazakhstan, Emergency Situations Department of Almaty, Prosecutor's Office of Almaty, Economic Investigations Department of Almaty, Department of Corruption Control Agency of the Republic of Kazakhstan (Anti-Corruption Service) in Almaty.

If the applicants have equal points, priority is given to participants with an earlier date and time of submission of an application and documents.

The list of applicants is formed by categories (spheres) based on the point system (by the highest number of points):

* VSG– vulnerable social groups of the population pursuant to the Article 68 of the Law of the Republic of Kazakhstan "On Housing Relations".

The status of a submitted application can be tracked both in a personal account and in the application lists on the website.

The referral to undergo qualification in Otbasy Bank JSC is issued to a personal account on the website. The reason for refusal is placed in the section "LIST OF REJECTED APPLICATIONS".

Applicants who have received referrals need to contact any service center of Otbasy Bank JSC within 15 (fifteen) working days to undergo a solvency assessment.

The list of addresses is available on the https://hcsbk.kz/ru/contacts / website.

In case of failure to visit Otbasy Bank JSC, akimat of Almaty has the right to cancel a referral and provide it to the next participant in the list.

1. Referral to undergo qualification in Otbasy Bank JSC;
2. Identity document of a client and a client's spouse (original copy);
3. Marriage certificate/divorce certificate/death certificate (original copy);
4. Birth certificates for children (original copy);
5. Statement of earnings (for the last 7 or 13 months) indicating all deductions;
6. Statement of pension contributions of a client and spouse (for the last 6 or 12 months) from the egov.kz portal.

Additionally (if available):

1. Pension card or pension certificate (original copy);
2. An extract from a second-tier bank card account on the amount of pension or a statement from the State Pension Fund on the amount of pension;
3. A document confirming the amount of scholarship;
4. The order on referral for advanced training and a statement on a job retention;
5. Certificate on receipt of housing payments with an account statement (for period of 6 months or more).

The bank reserves the right to request additional documents!

• Notification of re-registration of an individual entrepreneur, a coupon, as well as a certificate of state registration of an individual entrepreneur (original copy and copy), if available;
• Tax clearance certificate from a tax authority;
• Tax report for the previous reporting year (form 200, form 240, form 220);
• A patent for entrepreneurial activities indicating income for the last reporting year;
• Declaration for the previous reporting year with a mark of a tax authority (form 911.00) (original copy and copies of documents);
• Simplified declaration for the previous reporting year for small businesses (form 910.00);
• Notification (confirmation) on submission of tax reports by a taxpayer;
• Title documents for real estate/place of entrepreneurial activities performance and/or copies of lease agreements for real estate/place of entrepreneurial activities performance (original copy and copies of documents);
• Valid license, if this type of activity is subject to licensing (original copy and copies of documents);
• Bank account statement;
• Valid agreements/contracts confirming individual activity (if any) (original copy and copies of documents);
• Cash register data (for the previous day preceding the time of departure of a Bank's specialist), if available;
• Records of income/expenses for the last 3 calendar months preceding the month of submitting a lending application (provided if it is impossible to provide the documents listed in the sub-paragraphs, 10), 11), 12), 13) of this sub-paragraph).

The bank reserves the right to request additional documents!

If a participant fails to pass the banking procedure, akimat issues a referral to the next participant on the list.

After undergoing a banking qualification, within 45 (forty-five) calendar days from the date of receipt of notification, a participant is obliged to select housing and submit documents to Otbasy Bank JSC.

If a participant fails to select housing on time, Akimat issues a referral to the next participant on the list.

For more information, please call: