Which Programs Operate in 2026
Five main programs operate in 2026: "7-20-25" (7%, through commercial banks), Nauryz (7–9%, Otbasy Bank), Otau (7–9% for people on the housing waiting list), Umai (for women, applications from August 31, 2026) and Nauryz Askeri (for military personnel). A separate "Almaty Zhastary" program for residents under 35 is being prepared in Almaty.
Common rules: the programs target citizens of Kazakhstan without their own housing, funding is limited, and applications are accepted in windows or until a tranche runs out.
According to the Association of Financiers of Kazakhstan, subsidized programs accounted for 85.1% of new mortgage lending in Q1 2026, and the weighted average rate on new loans was 10%. Market mortgages remain expensive: from July 1, 2026 their annual effective rate for new loans is capped at 20%.
"7-20-25": 7% on a Completed New Build
| Item | Condition |
|---|---|
| Rate / down payment / term | 7% / from 20% / up to 25 years |
| Maximum loan | KZT 30m — Astana, Almaty and suburbs, Aktau, Atyrau, Shymkent; KZT 25m — Karaganda; KZT 20m — other regions |
| Housing | Only new completed housing from developers; resale and buildings under construction do not qualify |
| Borrower | The borrower and spouse have owned no housing for the last 18 months |
| Banks | Halyk Bank, Bank CenterCredit, Freedom Finance Bank, Eurasian Bank, Bank RBK, ForteBank, Altyn Bank |
| Funding | KZT 100bn a year, tranches of KZT 25bn at the start of each quarter |
Based on Krisha.kz (26.12.2025).
The main constraint is money. In 2025 the program issued 5,562 loans worth KZT 100bn, and since July 2018 — 83,155 loans worth KZT 1.17 trillion, including 30,564 in Astana (Kazakhstan Sustainability Fund data). A quarterly tranche runs out quickly, so prepare documents and a property before it opens.
Nauryz: 7–9% via Otbasy Bank
| Item | Condition |
|---|---|
| Rate | 7% for socially vulnerable categories, 9% for others |
| Down payment | 10% — apartment with finishing; 20% — shell finish or resale housing |
| Maximum loan / term | up to KZT 36m in Astana and Almaty, up to KZT 30m in the regions / up to 19 years |
| Deposit | Savings at Otbasy Bank of at least KZT 2m |
| Borrower | No housing owned by the borrower and family members (spouse, children under 18) in the last 5 years |
| Housing | Primary; resale only in the regions and single-industry towns |
| Applications | In windows; in 2026 — March 10 to 31 |
Based on Krisha.kz (2026) and Ulysmedia (03.02.2026).
Otau: for People on the Housing Waiting List
An Otbasy Bank program for citizens registered as needing housing, including kandas. The rate is 7% for socially vulnerable groups and 9% for others; after saving 50% of the loan amount the rate can fall to 3.5–5%. The maximum loan is up to KZT 36m in Astana and Almaty and up to KZT 30m elsewhere, the down payment from 20%, the term up to 19 years, and minimum deposit savings KZT 1m.
Umai: a Mortgage for Women
- Who can apply: women aged 18 to 65 with an active Otbasy Bank deposit and the required savings period.
- Rate: 14.8% on the bridge loan, falling to 5% a year after saving 50% on the deposit.
- Down payment and amount: from 20% in Astana and Almaty, from 15% in other cities; loans up to KZT 50m.
- Housing: completed new builds, guaranteed projects under construction, or resale built in 2016 or later.
- Launch: applications from August 31, 2026; funded by the Asian Development Bank, first tranche KZT 9bn.
Based on Forbes Kazakhstan (27.08.2026).
Nauryz Askeri: for Military Personnel
A program for military personnel and security-service staff receiving housing allowances. The rate is 9% with a possible reduction to 5%, the down payment from 0% to 50%, and the maximum loan up to KZT 80m (Ulysmedia, 03.02.2026).
Which Program to Choose
| Your situation | What to consider |
|---|---|
| No housing, 20% down payment, buying a completed new build | "7-20-25" — if you catch the quarterly tranche; Nauryz — if you have a KZT 2m deposit and hit the window |
| An apartment with finishing and only 10% down | Nauryz (if deposit and housing conditions are met) |
| You are on the housing waiting list | Otau |
| A woman aged 18–65 looking at resale built in 2016 or later | Umai |
| Military personnel with housing allowances | Nauryz Askeri |
| You already own housing or need resale in Astana without eligibility | A market mortgage (effective rate up to 20%) or savings at Otbasy Bank |
Monthly payments at different rates are compared in "Mortgages in Astana 2026", and buying versus renting in "Renting or a Mortgage".
How to Prepare in Advance
- Open an Otbasy Bank deposit as early as possible: Nauryz requires at least KZT 2m, Otau from KZT 1m, Umai an active deposit and savings period.
- Check the "no housing" criterion — it applies not only to you but also to your spouse and, for Nauryz, children under 18.
- Collect income documents in advance: application windows are short.
- Choose a property that fits the program: "7-20-25" — completed new builds, Nauryz in Astana — primary housing. Check the developer — see "New Builds in Astana: Completion Dates and Checks".
- Follow the operators' announcements — Otbasy Bank and the "7-20-25" partner banks: terms and limits are revised.
Frequently Asked Questions
Which subsidized mortgage programs operate in Kazakhstan in 2026?
"7-20-25" (7% through commercial banks), Nauryz (7–9% through Otbasy Bank), Otau (for people on the housing waiting list), Umai (for women aged 18–65) and Nauryz Askeri (for military personnel).
Who can get a Nauryz mortgage?
A citizen whose household (spouse, children under 18) has owned no housing in the last 5 years, with savings of at least KZT 2m at Otbasy Bank. Applications are accepted in windows — in 2026 from March 10 to 31.
What is the maximum "7-20-25" loan in Astana?
Up to KZT 30m in Astana, Almaty and suburbs as well as Aktau, Atyrau and Shymkent, up to KZT 25m in Karaganda and up to KZT 20m in other regions. Down payment from 20%, term up to 25 years.
Can I buy resale housing in Astana with a subsidized mortgage?
Not under "7-20-25" — only new completed housing. Under Nauryz, resale is allowed only in the regions and single-industry towns. Under Umai you can buy resale housing built in 2016 or later.
When did Umai applications open?
Otbasy Bank began accepting Umai applications on August 31, 2026. The program is for women aged 18 to 65 with a deposit at the bank.
Sources
- Krisha.kz, 26.12.2025: "7-20-25" in 2026 (in Russian) — krisha.kz
- Kazakhstan Sustainability Fund, 05.01.2026: "7-20-25" results for 2025 (in Russian) — kfu.kz
- Krisha.kz: Nauryz mortgage terms in 2026 (in Russian) — krisha.kz
- Otbasy Bank: Otau program (in Russian) — hcsbk.kz
- Forbes Kazakhstan, 27.08.2026: Umai program (in Russian) — forbes.kz
- Ulysmedia, 03.02.2026: subsidized mortgages 2026 (in Russian) — ulysmedia.kz
- Tengrinews, 15.06.2026: mortgage market in Q1 2026 (in Russian) — tengrinews.kz