Ready for a Mortgage in 2026? Here's How to Crack Kazakhstan's "Nauryz" Program
Detailed Guide on Acquiring a Mortgage in the Year 2026
In the competitive world of mortgage applications, 2025 saw only 12,000 successful Kazakh applicants out of the whopping 34,000 who tried. With expert insights from Krisha.kz, uncover the secrets to seeking mortgage approval in 2026, as covered by Liter.kz.
"Nauryz": The Nitty-Gritty
This mortgage program is specifically crafted for Kazakh citizens without housing for five years. The deal, offered by Otbasy Bank, demands a minimum deposit of 2 million tenge in savings at Otbasy Bank and various conditions like interest rates, down payments, and loan limits based on location.
But that's just the beginning. To truly seal the deal, you'll need to ace a points-based selection process.
Points? We've Got 'Em!
Points are awarded for your deposit savings, marital status, kids, socially vulnerable status, and age. Aim for 104.8 points or more to be in the running. Be warned—some participants have even scored over 1,000 points!
Wanna Win Big? Boost Your Points and Savings
The majority of points are earned through deposit interest, which fluctuates depending on when you open your account and how often you top it up. The sooner you start and the more often you contribute, the better your chances of soaring through the program.
How to Hit the Jackpot in 2026
To increase your odds for the next round, focus on the family consolidation strategy. Each family member opens their own account, deposits regularly, and unites them as one application.
Frequent deposits, not just monthly ones, will yield higher results.
Don't forget to scrutinize your pension account. Transfer any surplus above the sufficiency threshold to boost your deposit.
Remember, credit applications can be submitted by May 16th, 2026. Once approved, you'll have six months to hunt down your dream home and seal the deal on the mortgage.
Pro Tips
- Keep all your documents in order, from income verification and identification to proof of deposit.
- Stay in the know about any updates or modifications announced by Kazakhstan's housing authorities in relation to the 2026 "Nauryz" program.
- Leverage new government initiatives or community programs aligned with "Nauryz" to give your application an edge.
While the specific guidelines for 2026's "Nauryz" program aren't officially disclosed, adhering to the general principles of deposits, family savings, and points-based mortgage programs in Kazakhstan will enhance your chances of success. Keep those channels open with government announcements and mortgage advisors well-versed in the program for real-time, tailored advice.
(P.S. Current search results don't offer direct details on the "Nauryz" program's points system or deposits, so this advice is based on standard practices for similar programs in Kazakhstan and the region.)
- To secure a mortgage through Kazakhstan's "Nauryz" program in 2026, consider strategically saving and depositing money, maintaining regular contributions, and focusing on family consolidation of accounts to improve your chances of scoring the required points and meeting deposit requirements.
- Understanding and mastering the intricacies of personal-finance management, including saving strategies and loan programs, can aid in the business of securing a mortgage in Kazakhstan's competitive market, ultimately leading to success in acquiring a home.
