Otbasy Bank told about the steps taken to support Kazakhstanis in the Year of Working Professions.
To enhance the prestige of working professions, Head of State Kassym-Jomart Tokayev declared 2025 the Year of Working Professions.
Working professions play a key role in the economy and social stability of the country, ensuring the smooth operation of many industries. To support working people and help them solve the housing issue under affordable conditions, Otbasy Bank (a subsidiary of Baiterek Holding) launches Nauryz Jumyker on March 17, 2025. The bank will allocate 72 billion tenge for the implementation of this direction. About 2,440 representatives of working professions will be able to obtain affordable loans and solve their housing problem.
To ensure maximum awareness of the bank's products and the conditions of affordable lending, since the beginning of the year, employees of the bank's branches have been visiting industrial enterprises, factories, and production facilities. Meetings have already been held with 341 enterprises. This helped to deliver targeted information to those who really need it.
What are the conditions of the Nauryz Zhumyker direction?
The loan rate is 7% (GEV from 7.1% to 9.6%) per annum for socially vulnerable categories of citizens and 9% (GEV from 9.4% to 13%) per annum for all other categories.
The initial payment is from 10% for the purchase of primary housing in finishing, from 20% for the purchase of primary housing in rough finishing and secondary housing (in single-industry towns and rural settlements).
The maximum loan amount is 30 million tenge for the regions and 36 million tenge for Astana and Almaty.
In the cities of Astana, Almaty, Shymkent and in regional centers, it will be possible to purchase only primary housing. The participant of the program will be able to select, book and buy it on the Baspana market portal (otbasybank.kz ).
Secondary housing will be available only in single-industry towns and rural settlements.
Which professions will be able to participate in the Nauryz Jumyker program?
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anee identified industries where it is especially important to support workers. These are industry, construction, energy, transport, agriculture, water resources and irrigation.
Based on this, the bank has selected 1,143 types of activities from the general classification of economic activities (OKED), which fall under the above-mentioned industries. The OKED is a list of all types of business activities in Kazakhstan. It determines the field in which a company or enterprise operates, what it sells, produces, and provides services. For example, industrial enterprises will have OKED "cast iron casting", "metal casting", "production of machine tools", "installation, installation of industrial machinery and equipment" and much more.
A total of 7 sections were selected according to the general classification of economic activities:
- agriculture, forestry and fisheries;
mining and quarrying;
manufacturing industry;
supply of electricity, gas, steam, hot water and conditioned air;
water supply, sanitation, waste collection, treatment and disposal, pollution control activities;
construction;
transportation and warehousing.
Within the selected sections, the bank identified 8,230 working professions from the National Classification of Occupations.
If an applicant for participation in the Nauryz Jumyker direction works at an enterprise or company whose activities belong to 7 selected sections and has a profession determined by the bank (one of the 8,230 working professions), then he can apply for participation in the program.
The lists of OKED and the list of names of working professions will be posted on the bank's website soon and will be available for everyone to review.
How do I apply?
Applications will be accepted on March 17, 2024. It will take place in bank branches.
To apply, you will need to bring a certificate from your place of work (its approved form will be published on the bank's website in the near future). The certificate must specify the OKED and the applicant's profession.
Also, to apply for a loan, you must have:
-an identity document;
-birth certificate of minor children (if available);
-certificate of marriage (if any);
-certificate of absence (availability) of the applicant and his family members of real estate by right of ownership (including common joint ownership);
- if necessary, the bank may request other documents in accordance with internal requirements.
What are the requirements for applicants of the Nauryz Jumyker direction?
The conditions of Nauryz Zhumyker are the same as in the Nauryz program. Therefore, applicants must meet the following requirements when applying:
Have a deposit in Otbasy bank. It is important that the deposit period does not matter, it can be opened before applying.
Have at least 2 million tenge in a savings account in Otbasy Bank. The amount can be paid in a lump sum before applying for the program.;
The applicant and his family members have not owned a home for the last 5 years. Family members are the husband, wife and their minor children. If a person is not married, then the absence of a home is checked only with him.
Have an official income for the last 6 months. At the same time, the presence of mandatory pension contributions from the employer who issued the certificate of employment must be at least in the last three months.
The main difference between the Nauryz Zhumyker direction is that it will be implemented without holding a competition and scoring points. Those who apply to the bank's branch and pass the solvency test will receive available loans.
In the Year of Working Professions, regions and enterprises support Kazakhstanis employed in manufacturing.
The Akimat of Satpayev was the first to additionally decide to support working people at the local level. Now there will be a regional housing program for representatives of working professions. This is a pilot project and the akimat of the city and Otbasy Bank will allocate 250 million tenge for its financing.
Employees of industrial enterprises will be able to get a loan for the purchase of housing at a rate of 6% (ESV from 6.1% to 6.8%) per annum with a down payment of 10%. Otbasa Bank will provide more detailed terms of participation additionally.
Bogatyr Komir LLP, the flagship of the coal industry of Kazakhstan, also takes care of the housing issue of representatives of working professions. It was the first company to take care of its employees in the Year of the Working Professions. For crediting employees on preferential terms, the company and Otbasy bank will allocate 600 million tenge. The company's employees will be able to get a loan at a rate of 5% per annum (GES from 5.2% to 5.3%), with an initial payment of 10%. The maximum loan amount will be 15 million tenge. In the near future, the selection of participants and acceptance of loan applications will begin in the Pavlodar region.
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Otbasy Bank Housing Construction Savings Bank JSC is the only bank in the country implementing a housing construction savings system. The Bank is a member of the European Federation of Building Savings Banks (EFSSC) and the International Housing Finance Union. The sole shareholder of Otbasy Bank JSC is Baiterek National Managing Holding.
Additional information for the media: pr@hcsbk.kz , Natalia Kutlina +7 707 733 22 92 .