74 billion tenge from its own funds allocated Zhilstroysberbank to support servicemen.

“The first 64 servicemen have already been granted affordable loans from Zhilstroysberbank and they have marked a housewarming party. In addition, 285 applications are being considered at the bank, most of which came from Astana and Almaty, ”said the chairman of the board of Zhilstroysberbank of Kazakhstan JSC Lyazzat Ibragimova at a press conference in the CCS.

As the speaker informed, the soft loans that the ZhRSSB offered to the defenders of the Motherland are divided into three types and depend on the amount of the applicant’s savings and the housing chosen.

“For example, having a down payment of only 5% of the cost of an apartment, a soldier can get a loan at a rate of 7% per annum. The accommodation he chooses must be purchased in the primary market from the developer. If there is 20% of the cost of housing, the loan rate will drop to 6% per annum. A new apartment must also be purchased from the developer, ”she explained.

Lyazzat Ibragimova noted that if a soldier wants to purchase square meters on the secondary market, then in this case he needs to have an initial payment of 20% and he can apply for a loan at the rate of 8% per annum.

“According to statistics, it is the last type of loan, which provides for the purchase of secondary housing, most of all in demand from the military. Loans with an initial contribution of 5% are in second place, ”the speaker said.

According to Lyazzat Ibragimova, the ZhRSSB allocated 74 billion tenge from their own funds to support the servicemen.

To make the distribution of this money among borrowers transparent and fair, the bank has developed a point system. Her main criterion was the period of military service, for each full month of which the participant was awarded 0.5 points.

“Applications from applicants were accepted on a special portal Askeri.baspana.kz. In total, about 13 thousand applications were filed during the month. Of these, about 4,430 applicants have already been selected and more than 1,000 people are still at the verification stage, the chairperson of the ZhRSSB explained.

The list of applicants, according to the speaker, included employees of the border troops, the National Guard, the military prosecutor's office, the Ministry of the Interior, the Ministry of Defense and the state security service.

Most applications were submitted by representatives of the Ministry of Defense. Out of 7,755 people wishing to participate in the special military program of this department, 1,900 people entered the pool.

Housing within the “military product” servicemen are looking for themselves from the calculation of the loan amount. It is calculated on the basis of the amount of housing payments to a serviceman, which depend on the region and family composition. That is, the larger the family, the higher the loan amount.

“For example, in Astana the amount of housing payments is 48,870 tenge. It is charged on each family member. Accordingly, a married soldier with two children receives 195,480 tenge per month. From the calculation of the loan term - 14 years and the rule that the monthly payment on the loan is equal to the housing payments, the loan amount will be 19.2 million tenge. Housing can be purchased in the primary market at the rate of 7% per annum. At the same time, the down payment will be only 5%, ”explained Lyazzat Ibragimova.

In Karaganda, where housing payments per person amount to 28,548 tenge, under similar conditions it is possible to purchase housing worth 12.3 million tenge, and in Shymkent for 8.9 million tenge.

She also noted that since housing payments can only be used once, young servicemen who have not yet started a family or are only planning to replenish a young family, it’s better not to rush into buying an apartment.

“At this stage, it is most profitable to save housing payments on an account with the ZHSSBK and participate in the competition next year. Then, having more savings and the amount of housing payments, you can buy a more spacious apartment, ”she said.

The speaker recalled that the use of their housing payments in the CSH system, get concessional loans using ZHSSBK, as well as repay or refinance mortgage loans in other STBs and participate in the shared construction of military personnel from the beginning of 2018.

Now they are allowed by law. Previously, housing payments could only be used to pay for rental housing.

At the moment, accounts in Zhilstroysberbank, to which housing payments are transferred, are open to 70 thousand people.