ASTANA, Kazakhstan, October 9. The National Bank of Kazakhstan (NBK) has announced amendments to the country’s 7-20-25 mortgage lending program, aimed at making housing more accessible for citizens, Trend reports via the bank.
According to the NBK, the changes include an increase in the maximum cost of housing eligible under the program.
In the updated rules, the maximum property value for homes in Astana, Almaty, their suburban areas, and the cities of Aktau, Atyrau, and Shymkent has been raised from 25 million tenge ($46,169) to 30 million tenge ($55,403). In Karaganda, the ceiling has been increased from 20 million tenge ($36,935) to 25 million tenge ($46,169), while in other regions of the country, the maximum eligible price has risen from 15 million tenge ($27,701) to 20 million tenge ($36,935).
Additionally, borrowers are now allowed to include not only co-borrowers but also guarantors to confirm their financial capacity, providing more flexibility and support for applicants. The NBK emphasized that these amendments are intended to improve access to mortgage financing and facilitate better conditions for purchasing homes. Other terms and requirements of the program that were not affected by the resolution remain unchanged.
The 7-20-25 program, launched in 2018, offers citizens mortgage loans at a preferential interest rate of 7 percent per year, with repayment periods of up to 25 years and a minimum down payment of 20 percent. As of October 2, 2025, a total of 81,800 preferential loans have been issued under the program, amounting to 1.1 trillion tenge ($2 billion).
