Mortgage and Installments in Astana 2026: How to Buy an Asset Without Having 100% of the Amount
In 2026, the Astana real estate market finally split into "buyer-residents" and "buyer-investors." While the former look for the minimum rate, the latter look for financial leverage. As a financier, I often repeat to my clients: using 100% of your own funds in real estate is often an inefficient use of capital.
Today we will analyze which housing financing tools are relevant in Astana in 2026, what has happened to government programs, and why installment plans from developers are sometimes more profitable than preferential mortgages.
1. Government Programs in 2026: What's Left on the Market?
By the beginning of 2026, the hype around "cheap money" has subsided somewhat, but key players remain on the field. The state has moved to targeted support, making programs more accessible to those who are truly ready to wait.
Otbasy Bank: "Otau" and "Nauryz" Programs
In 2026, these programs remain the main drivers of demand in the "Comfort" and "Business" segments. The main change is the strengthening of the scoring system. Now, having a deposit for more than 3 years is a critical factor for approval.
Status of the "7-20-25" Program
The program continues to operate in a limited funding mode. In Astana, quarterly limits disappear in a matter of minutes. I recommend investors consider this program only for objects already commissioned, which significantly narrows the choice of quality "business" on the Left Bank.
"Many try to 'catch' 7-20-25, losing profitable prices at the excavation stage. My advice: if you are an investor, don't wait for a government program where the object's price growth per year covers the difference in interest rates."
Analysis of the Astana Real Estate Market in 2026
2. Commercial Mortgages: Banks' Fight for the Investor
With the base rate stabilizing in 2026, commercial banks (Halyk, Kaspi, BCC) have become more aggressive in offering partner programs with developers. The average market rate varies between 14–17%, but with a down payment of 50% or more, one can expect a reduced percentage.
How to Calculate the Return on Real Estate Investment
ROI Calculation Example for an Apartment in Astana
Calculation: (2,160,000 - 450,000) / 25,000,000 × 100% = 6.8% Net Yield
3. Installments from Developers — The "Hidden Gem" of 2026
For investors with a high ticket (from 50 million tenge), installments have become the #1 tool. Large players like BI Group and Bazis-A in 2026 offer schemes that effectively replace mortgages without overpayment.
- 30/70 Scheme: You pay 30% now, and the rest — after commissioning. This allows you to "freeze" the price and earn on the object's capitalization.
- Short-term Installment (12-18 months): No overpayment, in equal installments. Ideal for those waiting for cash flow from another business.
Best Districts for Investment in Astana
EXPO Area
ROI: 12-15%Turan
ROI: 10-13%Nura
ROI: 9-11%Practical Investment Tips
Verify the Developer
Use official registries of the Committee for Construction and Housing and Communal Services. Pay attention to the number of completed projects and the company's financial stability.
Calculate All Costs
Include property taxes, utilities, management company fees, repairs, and potential vacancy periods in your calculation.
Study District Infrastructure
Assess transport accessibility, presence of schools, hospitals, shopping centers, and other social infrastructure.
Think Ahead
Study urban development plans. New metro stations, roads, and public spaces can significantly increase real estate value.
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