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Analysis of the implementation of the program of mortgage lending in the Republic of Kazakhstan



 

The state program "Affordable Housing 2020"

The program "Affordable Housing 2020" approved by the Government sets forth the following areas:

1. Housing waiting list for local executive bodies (consisting on the account in need of housing from the State Housing Fund);

2. Housing through JSC "Housing Construction Savings Bank of Kazakhstan" for all categories of the population;

3. Housing through JSC "Mortgage organization" Kazakhstan Mortgage Company ";

4. Accommodation in pilot projects for the demolition of dilapidated housing (M & E);

5. The construction of housing in the framework of the Employment Program in 2020;

6. Housing construction of "Real Estate Fund" Samruk-Kazyna ".

Living through the Real Estate Fund

The program "Affordable Housing 2020" Real Estate Fund provides two options for the implementation of property: direct sale-purchase. The estimated cost of the apartments is as follows:

1) If a person has decided to buy an apartment means "direct sales", the price of 1 square meter of housing in the first year of implementation it will cost no more than 180 000 tenge - in the cities of Astana, Almaty, Atyrau, Aktau and suburban areas. Cost per square meter in other regions of the country - no more than 144 000 tenge. In subsequent years, the price of direct sale will be finalized taking into account changes in the cost of construction.

2) hire-purchase (Note: the term - 15 years) in the cities of Astana, Almaty, Atyrau, Aktau, and their suburbs will cost from 1600 tenge, in other regions - from 1200 tenge per 1 square meter of the total area of ​​the apartment in the first year implementation. The rent can be changed if the term of the loan provided by the Real Estate Fund will be less.

Citizens have the right to choose only one of these two areas and not to acquire ownership of more than one apartment in the same village.

The first residential complexes on the program "Affordable Housing - 2020" will be put into operation in late 2013.

Table changes in demand for mortgage loans

Note - All information on the program "Affordable Housing" from the Real Estate Fund is available on the official website (www.fnsk.kz).

 

Maximum simple form submission - an innovation that offers "Real Estate Fund" Samruk-Kazyna ". Today, buy a new home, quickly and at affordable prices, through the Internet.

There is saving money and precious time. And most importantly - the lack of the human element. Thus, the Fund prevent the possibility of any interference in the process and misunderstandings associated with the order.

For the three months prior to entering buildings, apartment can be purchased via e-application. To do this you will need to simply visit the Fund's property and to leave their application for housing. Fast. Conveniently. Available.

The algorithm is simple: when submitting an application gets a serial number is automatically marked the time and date of registration. It is necessary to process the queue, which is responding to the principle of transparency, will be available for the control of anyone.

Now for some conditions. The priority: the citizens, owning a stable income, but do not have their own homes. However, an individual will be able to exercise their right to housing under the program of the Real Estate Fund once.

 

Table propose payment of rent in the context of data:

  The calculation of the monthly rental rates with purchase for 1 sq.m.  
In cities Astana and Almaty (at the cost of construction 150 000 tenge per 1 sq.m.) Number of years to hire-purchase
5 year 7 year 10 year 15 year
Lease payments per 1 sq.m. (KZT) 3 160,72 2 469,60 1 965,88 1 598,59

 

In the regions (at the cost of construction 120 000 tenge per 1 sq.m.) Number of years to hire-purchase
5 year 7 year 10 year 15 year
Lease payments per 1 sq.m. (KZT) 2 528,57 1 975,68 1 572,70 1 278,87
         

Note - All information on the program "Affordable Housing" from the Real Estate Fund is available on the official website (www.fnsk.kz).

 

The lease term housing will depend on the term of the loan Real Estate Fund. Decision on this matter takes sole shareholder - JSC "National Welfare Fund" Samruk-Kazyna ".

Age of the spouses. At the time of application the age of both spouses can not exceed 29 years. If the family is not complete, the age limit applies only to one parent raising a child (children), and also is 29 years.

The period of marriage. At the time of submission of the application period of wedlock should be at least 2 years. This restriction does not apply to single-parent family.

The composition of the family. The structure of the family includes spouses themselves, their minor children and parents of disabled spouses. Number of family members will be taken into account in determining the future of squaring the apartments, each person is allocated a minimum of 15 to 18 sq.m. If a family lives 3 people, the size of the apartment shall not be less than 45 sq.m.

Homelessness. To participate in "Young Family" spouses and family members should not own property in the locality where you want to get an apartment.

Income. Monthly total net family income less pension contributions, personal income tax and monthly expenses for spouse and child (ren) for the last 6 months before submission of the application shall be within:

minimum - for GG Almaty, Astana - 4 times the subsistence level minimum wage (79,864 tenge), for other cities - 3 MW (59 898 tenge);

the maximum - no more than 12 MW (239 592 tenge).

Monthly expenses of spouses make up for one person - 15 monthly calculation indices (MCI) = 27 780 tenge per minor child - 7.5 MCI = 13 890 tenge.

Citizenship. Applicants must be citizens of the Republic of Kazakhstan have the status of a oralman.

Basically Housing Construction Savings Bank known as the operator of the state program "Affordable Housing - 2020", Kazakhstan and many only know about accumulation system operating in the bank. We talk about the mortgage program aimed at all segments of the population and include general requirements for all banks - a pledge and proof of ability to pay.

According to JSC "Housing Construction Savings Bank of Kazakhstan", in the absence of savings the customer can get a preview of the housing loan. It shall be issued within the contracted amount, the only condition - you will simultaneously accumulate housing savings in a savings account and pay interest on the loan at 10% per annum. That is, each month will have to pay a large sum.

For example, it looks like this

If the loan term advance loan is 8 years, the cost of one square - 142 500 tenge, and the area - 60 meters, the amount of the monthly payment on the loan amount to the preliminary 105,877 tenge (it will be necessary to pay for 8 years). Of these, the repayment of interest on the loan is sent to 60,562 tenge, for the accumulation of - 45 315 tenge. After that, for 15 years you will pay the monthly payment amount on the maturity of the main housing loan already - 29 925 tenge.

The prerequisites are the availability of loan processing at the client savings account, providing proof of solvency and collateral.

As a pledge can act: the money of the borrower or a third person on the account in this bank, real estate owned by the borrower or a third party (residential, commercial, land) as well as the one property that is acquired by a loan (residential, commercial or land ).

In addition, according to the Construction Savings Bank, during the use of preliminary housing loan bears interest at the rate of the bank's 2% (annual effective rate from 4.6 to 12.6%) and the State Prize in the amount of 20% of the total promote the contribution (the amount of specific protection the contribution of not more than 200 MCI).

We asked our managers to calculate the monthly payments for a variety of tariffs, if we need to acquire an apartment 7 500 000 tenge (49 700 dollars).

According to the tariff program "Bastau" the first 3 years 3 months the customer pays at 10% per annum 156 250 tenge, the next 6 years - under 5% per annum 60 393 tenge.

According to the tariff program "Orken" the first 5 years and 6 months - at 10% per annum 118 750 tenge, the next 10 years - by 4.5% to KZT 38,864.

According to the tariff program "Camel" the first 8 years and 6 months - at 10% per annum 100 000 tenge, the next 15 years - at 4% per annum 27 738 tenge.

Example of calculation for the amount of purchase apartments in 15 million tenge (about 99,400 dollars).

According to the tariff program "Bastau" the first 3 years 3 months the customer pays at 10% per annum 312 500 tenge, the next 6 years - under 5% per annum 120 787 tenge.

According to the tariff program "Orken" the first 5 years and 6 months - at 10% per annum 237 500 tenge, the next 10 years - by 4.5% to KZT 77,729.

According to the tariff program "Camel" the first 8 years and 6 months - at 10% per annum 200 000 tenge, the next 15 years - at 4% per annum 55 477 tenge.

We asked the managers of the bank for further advice. Initial data are - the author is going to get a preview of the loan for the purchase of apartments in 15 000 000 tenge. No savings, but there are collateral - for example, land and wages. Total family income is about 250 000 tenge.

The manager gave the right to choose the loan program in advance loan. It turned out to be the most accessible program "Camel", designed for the most long-term lending. The only thing that bothered the manager of the bank in the conditions set by us - a small salary. In determining the solvency of the client, the bank takes into account the number of family members, including children. For example, for each adult per month spent 15 MCI, and a child - 13 MCI. It turns out that the proposed total family income does not pull the monthly contributions to the program of the bank. The manager offered another way out - to draw the second co-borrower. This can be done only on one condition - if the client is able to pay 50% of the monthly fee.

Separately, it must be said of the pledge. Property is assessed on the examination of two independent appraisal companies, from the resulting figure is determined by the average price. Moreover, the bank takes into account only 70% of the appraised value of the land - 40% of the appraised value.

Additional services when you make a loan

• The fee for opening a savings account, which will amount to 0.55% of the contract amount (minimum 5000 tenge).

• The fee for loan application review - 5000 tenge.

• The Commission for organizing the issuance of the loan - 1% of the loan amount (minimum of 15 000 tenge, a maximum of 100 000 tenge).

• Commission for payment of cash loans - 0,5%

loan (at least 1 500 tenge, a maximum of 50 000 tenge).

• The rate of insurance - 0.2% of the total amount. To be paid at registration of the mortgage contract, and then once a year.

Advantages of mortgage loans Zhilstroysberbanka

• Low interest rates. The maximum rate - 10% per annum with a further reduction of rates to 45% per annum, depending on the tariff program.

• The constancy of interest rates.

• The possibility of early repayment without penalty at the end of 6 months from the date of receipt of the loan.

• The annual accrual rate for the contribution.

• Encourage savings state premium - 20% up to $ 200 MCI.

How to buy an apartment from ZHSSBK >>>

Expert opinion: Gulzhihan Kenes, Ph.D., senior lecturer of the department "Finance" KazATU S.Seifullin:

I think ZHSSBK made credit conditions more convenient and accessible. Preliminary housing loan invented as a quick way of acquisition of property. It is issued to customers without prior savings. The investor receives a bank loan to buy an apartment and living in it is paying on the loan and accumulated funds. It is convenient and profitable for the investor, since it does not take time for preliminary accumulation of half the amount of the contract, which allows to obtain a bank loan to complete and only after that to solve the housing problem.

To make a preliminary housing loan more accessible to different categories of borrowers, the bank reduced the interest rate.

To stimulate the demand for interim loans and ensure the availability of such financing, interim ZHSSBK resumed issuing housing loans lending program "Zhenіl." A distinctive feature of the program "Zhenil" is the presence of a delay on repayment of principal for up to 3 years. During this period, borrowers repay only the amount of interest on the loan! This allows you to plan costs and gives confidence in the future. The "Zhenіl" demonstrates the competitiveness of products ZHSSBK, their appropriateness and relevance.

To avoid the risks of its own issuance of money to insolvent clients, the bank asks the client to fail to provide information about their income. If the borrower has enough income to get a loan, the bank allows the involvement of one or more co-borrowers, who will jointly be responsible for the future maintenance of the loan with the primary borrower. An additional measure to stimulate demand for loans Zhilstroysberbanka was the abolition of waiting times to access the client for obtaining preliminary and intermediate housing loans. The client by signing the contract on housing savings or accumulated 50% of the amount needed to improve living conditions, can directly apply for a provisional or interim loan without waiting periods, which ranged from 1 to 3 months. Thanks to the initiative ZHSSBK, many Kazakhs can enter tomorrow into new apartments.

 

Table 2. Loans to banks for the construction and purchase of housing to citizens (mortgage loans) and interest rates on them

 

Index 2009 y. 2010 y. 2011 y. 2012 y. 2013 y. 2014 y.
billion. tenge % billion. tenge % billion. tenge % billion. tenge % billion. tenge % billion. tenge %
Total loans 297,1 12,8 417,5 13,4 85,1 12,5 67,6 10,9 85,1 10,7 125,8 11,5
The nat. currency: 117,1 13,6 227,5 13,8 66,4 12,0 47,2 9,3 74,6 10,3 118,3 11,4
Short term 4,8 14,8 4,8 16,0 0,2 19,1 0,01 12,7 0,3 11,0 1,2 11,7
long-term (over 1 year) 112,4 13,6 222,7 13,8 66,1 12,0 47,2 9,3 74,3 10,3 117,1 11,4
in foreign currency 12,3 12,9 18,7 14,0 20,4 14,7 10,6 14,0 7,5 12,9
Short term 0,3 13,6 0,5 14,7 0,3 15,4 0,02 16,0 0,09 10,7 0,07 10,9
long-term (over 1 year) 179,7 12,3 189,6 12,9 18,4 14,0 20,4 14,7 10,5 14,1 7,4 12,9
Note - The table is compiled by the author on the basis of the Statistical Bulletin of the NBK RK

All information on the program "Affordable Housing" from the Real Estate Fund is available on the official website (www.fnsk.kz).

 

 




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