Updated Onai mortgage program is available to Kazakhstanis

Altyn Bank and BI Group backbone holding have launched an updated digital Onai mortgage with registration in 2 minutes.

Now Kazakhstanis can get a mortgage even faster and easier. Thanks to the cooperation of Altyn Bank and BI Group holding, the loan approval process takes place in a few simple steps:

  1. On the website https://bi.group, a client can choose an apartment in one of the complexes.
  2. Apply for mortgage, which will be automatically redirected to Altyn-i (Altyn Bank’s Digital Bank). Processing and approval of the borrower’s profile is instant. The Bank already has all the necessary information about the property.
  3. Upon approval of the application by the bank, the client will receive SMS and a link to register with Altyn-i digital bank.
  4. In Altyn-i personal cabinet, it is necessary to confirm the mortgage and sign a bank agreement.
  5. The bank itself will transfer the money to the developer and notify the client about via SMS.

The terms of the program allow you to get a loan without commissions at a rate of 0.1% (annual effective rate of return from 0.1%) with initial payment of 20% with a maximum loan amount of up to 80 million tenge.

“Digital transformation of mortgage lending is not only the introduction of new technologies, but also a fundamental change in the ideology of financial services. Now you can get the most complex banking product using your smartphone without leaving your home. I note that since the launch of the digital mortgage, percentage of approval of applications in the bank has increased by 50%. This is not the limit, we will continue to improve our services” – said Dinara Abdykulova, Director of Altyn-i Digital Bank.

“Onay Mortgage” from Altyn Bank is a popular program among our clients, because has a favorable rate in the market (without the participation of the state program). About 300 Kazakh families have become happy owners of housing from BI Group thanks to this mortgage. A benefit of this program is the possibility of registration without leaving home, online, 24/7, with only identity card, both with and without income confirmation. Mortgage is available for finished housing and for apartments under construction (there are no requirements for the guarantees of the Kazakhstan Housing Company). In general, in our company, every third client makes a purchase online. Next year, we intend to double the share of online transactions to 50%,” – said Nurlan Ongarbayev, Head of Financial Technology Development at BI Group.

Reference information:

Altyn Bank JSC (SB China CITIC Bank Corporation Ltd) is a universal commercial bank serving corporate and retail clients. It has 6 branches: in Almaty, Astana, Atyrau, Shymkent, Aktau.

Altyn-i is a robust digital bank for servicing individuals, a brand created by Altyn Bank JSC. The key benefits are the availability of services 24/7, flexible terms and innovative digital capabilities.


BI Group backbone holding has been operating in the domestic market since 1995. It is included in the world rating of developers ENR TOP-250 GLOBAL CONTRACTORS. It provides jobs for 4 thousand employees and 38 thousand representatives of partner organizations. Over 27 years of operation, it built 7 million square meters of housing for 300 thousand Kazakhstanis.

Thanks to the company’s digital developments, client can get all services – from apartment purchase to housing maintenance and real estate insurance in one click, online, without leaving home.