The Almaty region has started accepting applications for the preferential mortgage program "Alatau". Kazakh citizens of certain professional categories can obtain a housing loan at 5% per annum with an initial down payment from 10%, reports the website infohub.kz.

The maximum loan amount is 30 million tenge. The program has a territorial restriction – only apartments in new buildings in Konaev can be purchased. In 2026, 3.2 billion tenge were allocated for the program. These funds are planned to be used to issue more than 120 housing loans.

Who can get a mortgage at 5%

The program is available to employees of education, healthcare, culture, sports, social sphere, energy and utilities. Civil servants can also participate.

In 2026, the list of potential borrowers was expanded – for the first time, media workers were included.

The applicant must be a citizen of Kazakhstan aged 18 to 60. Another mandatory condition is the absence of own housing for the last 24 months. In addition, official employment for at least two years and pension contributions are required.

Participants will be selected by points

Compliance with formal requirements does not guarantee receiving a preferential mortgage. First, the documents will be checked by the akimat, after which the applications will be considered by the regional commission. Program participants will be determined based on a point system.

For example, for an official marriage, two points are awarded. The same number is given for having minor children, and for each subsequent child – one more point.

Two points are awarded for work experience of two years, and each additional year adds one more. Working in public service or in the budget sector gives five points. The highest number of points among the listed – seven – is provided for champions of the World or Asian Games, including among Paralympians.

Winners will receive a referral to Otbasy Bank. The bank will then assess the borrower's solvency, including income and credit history. If the borrower's own income is insufficient for a mortgage, the conditions allow attracting up to two guarantors.

Applications are already being accepted at the Shahnur business center in Konaev. You can apply from Monday to Friday from 9:00 to 18:00 and on Saturday until 13:00. When the application period ends is not yet reported.