The answer in two paragraphs
The program in brief
The loan is issued in tenge for commissioned primary-market housing. The core parameters are a 7% rate, a down payment of at least 20%, and a term of up to 25 years; restrictions on housing, income, and previous participation also apply.
Preliminary checklist
Before choosing a property, check whether your situation meets the program's baseline restrictions.
- Citizenship of the Republic of Kazakhstan.
- Commissioned primary-market housing that meets the bank's requirements.
- A down payment of at least 20%.
- Continuous verifiable employment or business income.
- No housing in Kazakhstan owned by the borrower or spouse during the previous 18 months, except for the program's stated exemptions.
- No outstanding residential mortgage and no previous participation in 7-20-25.
Why meeting the rules may not be enough
Disbursement depends on the participating bank's available limit, its affordability assessment, and approval of the property. Under the current rules, the maximum property price is ₸30 million in Astana, Almaty and their suburbs, Aktau, Atyrau, and Shymkent; ₸25 million in Karaganda; and ₸20 million in other regions.
Confirm current availability with a participating bank before paying a deposit.
Common questions
What else you should know
Can I buy a resale home?
No. The program is for new housing.
Is approval guaranteed?
No. The bank checks income, debt burden, credit history, and the property; disbursement also depends on its available limit.
Can I participate more than once?
No. The current rules allow a borrower to be financed under the program no more than once.