Among the Kazakhstanis who wish to take part in the Nauryz program, the leaders are young citizens aged 24 to 35.

A serviceman from Astana was among the first to submit an application on the Baspana Market platform (otbasybank.kz) on April 25. He has been saving housing payments on a deposit at Otbasy Bank for three years. Lives with his family in a rented apartment.

The capital was among the top five cities and regions chosen for the purchase of housing along with Almaty, Shymkent, Aktobe and Mangistau regions.

The Baspana Market platform (otbasybank.kz) received and processed on average 400 applications per hour. The bank reminds that applications under the Nauryz program are accepted on weekdays from 9.00 to 21.00.

In total, according to the results of the first day, Kazakhstanis submitted 3,347 applications. Refusals were received by those who owned housing or did not replenish the deposit by the required amount - 1 million tenge. 1,124 applications were successfully accepted, with half of them coming from representatives of socially vulnerable segments of the population who are in line for housing.

To prevent a rush, the deadline for accepting applications at Otbasy Bank was made as comfortable as possible for potential participants. They have two months to do this - from April 25 to June 30 inclusive. In this case, the date during this period and the time of filing the application do not matter.

Therefore, bank depositors can still have time to replenish their deposit, it is possible to combine it with the deposits of their relatives, carefully read the terms of the program and only then submit an application.

After the deadline for accepting applications, the ranking of the list will begin. That is, participants’ applications will be distributed according to the maximum points scored.

What will points be awarded for?

  • amount of remuneration on deposit - 1 point for every 1,000 tenge;

  • presence of a registered marriage – 5 points;

  • presence of children – 10 points (regardless of the number of children);

  • presence of the status of socially vulnerable segments of the population (SVSN) – 10 points;

  • age up to 35 years (inclusive) – 5 points;

If the number of points matches, then priority for inclusion in the list will be given to those who have a larger deposit amount and a longer accumulation period.

After ranking, clients will be able to see on the bank’s portal a list of those who are included in the Nauryz program. They will then have another two months to submit their loan application.

Otbasy Bank advises to try to repay existing consumer loans by this time, then there will be a greater chance of loan approval. After all, when calculating solvency, not only official income for the last 6 months is taken into account, but also mandatory expenses for the family, as well as payments on existing loans.

If a program participant receives positive approval for a loan, he will have 6 months to find housing.

Conditions of the "Nauryz" program:

- down payment from20%;

- loan rate for socially vulnerable categories of citizens on a waiting list for housing - 7%(GESV from 7.3% to 8.9%);

- loan rate for all categories of citizens -9%(GESV from 9.3% to 11.8%);

- loan term up to19 years.

The following conditions are offered for the purchase of housing within the framework of the Nauryz program:

  • primary housing, including under a share participation agreement with a guarantee of a housing complex and an insurance instrument;

  • secondary housing in single-industry towns and rural settlements, but not more than 30% of the total allocated funds per year.

Maximum loan amount:

- for Almaty and Astana - up to36 million tenge.

- for other regions - up to30 million tenge.

Also, within the framework of one loan, it will be possible to take out money for repairs of the purchased primary home. The loan amount for renovations should not exceed 20% of the total loan amount for the purchase of a home, within the maximum loan amount.

The program participant will be able to select, book and buy primary housing on the Baspana market portal (otbasybank.kz). This option is intendedto prevent an artificial increase in housing pricesagainst the background of the start of a new housing program.

Press service of Otbasy Bank

According to: time.kz