Mortgages and Mortgage Refinancing

Mortgages

Buying a home is a big decision, in your home town and anywhere in the world. So whether you’re a first-time or repeat buyer we’ll guide you through the maze.

Terms of HSBC Mortgages:

Currency: Kazakhstan tenge (KZT), US dollar (USD).
Amount: up to 70% of current property cost. Some restrictions apply.
                 KZT: 1 mil – 120 mil
                 USD: 25,000 - 1 mil
Term: 36 - 179 months
Pledge: property in Almaty, Astana, Atyrau (special requirement to the type of building apply)
Pledge insurance: required
Life or accidental insurance: required
Payments scheme: monthly annuity and reducing balance payments
Payment Options: monthly blended payments (principal and interest)
Interest rates: Rates are subject to change. For updated information on most recent rates, please contact any HSBC branch. Some restrictions apply.

Tariffs on Mortgages (PDF, 105 kB)
Tariffs on Mortgage Refinancing (PDF, 105 kB)

Documents required:

• ID (original) and copies of Taxpayer’s Registration Number and Social Individual Code.
• Income proof document (income statement, employment contract, pension fund statement, payroll statement).
• Address registration book and/or address proof.
• Marriage/divorce certificate and children’s birth certificates.
• Notarized confirmation of spouse’s consent for property pledge.
• Certified evaluation of property value by independent party. The list of evaluation companies can be found here.
• Pledge property document.
• Confirmation of any regular expenses (tax, other loans, insurance, etc).
• Copies of property documents.
• Completed application form.
• Any other additional documents and information requested by the bank.

Mortgage Refinancing

If you want to make your life easier and refinance your existing mortgage with HSBC Bank Kazakhstan and take advantage of our competitive rates and expertise, we are happy to help you. Please visit any HSBC branch or contact us to find out more.