The answer in two paragraphs
Nauryz in brief
Having at least ₸2 million in an eligible deposit allows you to enter the selection but does not guarantee a loan. Applications are ranked by score; after selection, the bank reviews income, family housing history, the down payment, and the property.
What to prepare
Review the Otbasy Bank deposit, official income for the previous six months, and the absence of housing or housing transactions for the applicant, spouse, and minor children during the previous five years.
- An eligible deposit with at least ₸2 million saved on the application date.
- Applicant age from 18 through 63.
- Verifiable income for the previous six months.
- No housing or housing transactions for the relevant family members during the previous five years.
- A down payment that matches the selected property type and finish.
- A property in a segment allowed by the program.
Primary and resale housing
The program permits primary-market housing, including certain properties under construction with the required guarantee or insurance. Resale housing is available only in monotowns and rural settlements and is limited to a share of program funding.
Check the property against the bank's current list before choosing it.
Common questions
What else you should know
Is depositing ₸2 million enough?
No. It is the minimum savings needed to enter the selection. Income, family housing history, the down payment, and the property are also reviewed.
What down payment is required?
Published terms vary by property type and finish: some cases start at 10%, while others start at 20%.
Can I buy a resale home?
Availability is limited by settlement type and the current program rules; check the selected location separately.