Product Image

Mortgage

Mortgage

to 15 000 000 soms
Amount
30 % of total amount
Down payment
purchase of residential property
Purpose
yes
Cosigner
to 7 years
Term
from 18 %
Interest
Loan amount

Amount not selected

Interest rate

28 %

Monthly payment

0

Total repayment

0

Initial payment

Minimum 30% of the cost of the purchased real estate. In absence of down payment it is allowed to take additional collateral in the form of real estate, the collateral value of which must be at least 30% of the value of the acquired property.

Interest rates 

Type of product

% rates

Mortgage for project members

17% - first 4 years
18,5% - the next 3 years
20% - from the 8th year until the end of the term

Mortgage for third-party individuals

18% - first 4 years
19.5% - the next 3 years
21% - from the 8th year until the end of the term

*Effective interest rate from 18,54% per annum.

 

Proof of employment/ solvency and required documents

  • Copies of passports of the Borrower, his/her spouse, pledger/cosigner and their spouses (if any)
  • Copies of documents proving marital status of the Borrower (pledger/cosigner, if any)
  • Proof of actual residency with indication of family structure
  • Documents for pledged real estate (title documents, technical passport for a building, Extract from the State Register for Immovable Property Rights, issued by the State Registry)

For individuals:

  • Salary certificate for the last 3-12 months, pensions, or authorized by signature of the Bank’s employee, bank statement or statements from other banks for a specified period on the receipt of wages / pensions
  • Documents certifying additional income of the Borrower/family members (pension, part-time employment, lease agreement, etc.).

For Individual Entrepreneurs:

  • Copies of IE/Patent certificates for the last 3-6 months, for ongoing entrepreneurial activity with indication of type and location of business
  • Original reference from the local municipality regarding the existence of livestock and/or documents confirming the existence of farmland, if the borrower is engaged in agribusiness.
  • Other documents necessary for evaluation of the Borrower’s/cosigner’s solvency (contracts, agreements, certificates on land title or existence of livestock, etc.).

Submit a request for assistance

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Explore other bakai bank loan options

Mortgage for purchase of other bank owned real estate

Mortgage for purchase of other bank owned real estate

Mortgage for purchase of other bank owned real estate

Foreign Exchange Rates

PurchaseSale
USD87.320088.3200
EUR93.000094.0000
RUB1.14001.1900
KZT0.13500.2080
GBP0.00000.0000
CNY10.500014.0000
PurchaseSale
USD87.000087.4700
EUR92.500094.5000
RUB1.12001.2000
KZT0.12500.2100
GBP0.00000.0000
CNY10.000015.0000
FX rate
USD87.4199
EUR93.6049
RUB1.1774
KZT0.1969
CNY12.7614

Course listed on 23.03.2023

Указанные курсы валют действуют для головного отделения банка (филиал "Главный"). Курсы в других отделениях банка могут отличаться. Курсы действительны для суммы до $1000 (или эквивалента этой суммы в других валютах), курсы для суммы свыше $1000 являются договоренными.