Digital mortgage
from 1,000,000 tenge / from 1 to 20 years / down payment from 20%

Go from choosing an apartment to buying it with a mortgage (mortgage loans) in the comfort of your home. All Digital Mortgage loans solution, from decision to loan granting

Illustration
Fast decision
approval in 30 minutes
Interest rate
from 0.1%* (ESV from 0.1%) for up to 12 months from 16%* (GERR from 18.3%) for up to 20 years
An initial fee
from 20%
Sum
from 1,000,000 tenge up to 80,000,000 tenge
Term
from 1 year to 20 years
Pledge
without additional collateral
Commission
no commission

How Does the New Loan Mortgage Work?

1

Choose an apartment , number of rooms and your future apartment layout on the BI Group website. There are 100 property units available in the cities of Nur-Sultan, Almaty, Shymkent and Atyrau. 

2

On the apartment’s card click the “Buy on mortgage” button, choose the mortgage loan parameters as you deem fit and press the “Get an online approval” button.

3

Pass a simple registration procedure on the BI Group website, fill in the form, and submit your application to the Bank. The application may be signed with your EDS (Electronic Digital Signature) or SMS. You will receive the Bank’s decision within 30 minutes maximum.

4

After the approval, BI Group managers will get in touch with you to instruct you of the further steps.

5

You will be required to go to the Altyn-i mobile banking (if you are not a client of the Bank, you will have to download the application and get registered). Consequently, from your My Profile – Notifications section, choose the latest application/request and a mortgage loan repayment conditions – either annuity payments or equal installments.
!It is important to review the lending terms and conditions and check the address of the apartment to be purchased.

6

After the mortgage loan is confirmed and a bank agreement is signed, the Bank will transfer the funds to the developer and notify the client with an SMS to that effect.

Illustration
Fast decision
approval in 30 minutes
Interest rate
from 16% (ESV from 18.3%)
An initial fee
from 20%
Sum
from 1,000,000 tenge up to 80,000,000 tenge
Term
from 1 to 20 years
Property in cities
Almaty, Nur-Sultan, Atyrau, Aktau and Shymkent

How does the “Digital Mortgage Loans” works?

1

Download “Altyn-i” mobile application

Register and in the “Finance” section, select “Apply for a Loan”, then “Apply for a Mortgage Loans Online”

2

Select the Confirmation of Earnings type

Fill in the “Personal Details” form and select the “Commission fee” type or “Commission-free” type, and then follow the instructions on the screen

3

Approval

Get approved for your “Personal Details” and start looking for an apartment for the approved amount. The “Certificate of Approval” is valid for 30 days.

4

Mortgage loans has been granted successfully

Digital mortgage with commission:

Customer category Rate of return Annual effective Rate of Return Loan Organization Commission Fee Commission Fee for Application Processing
With earnings confirmation from 16%
from 18,3%
2% of the loan amount
10 000 KZT
With an alternative confirmation of income from 19,5%
from 21,9%
2,5% of the loan amount
10 000 KZT

Digital mortgage without commission

Customer category Rate of return Annual effective Rate of Return Loan Organization Commission Fee Commission Fee for Application Processing
With earnings confirmation from 17,5% from 18,9% 0 KZT 0 KZT
With an alternative confirmation of income from 21,5% from 23,7% 0 KZT 0 KZT