🏠 Как обычным людям купить квартиру в 2026 году.

🏠 HOW TO BUY AN APARTMENT IN 2026 WITHOUT FALLING INTO A FINANCIAL TRAP? In this episode, Madina Magdalena once again met with mortgage expert Kuanbek, a man who already has seven mortgages and extensive practical experience in Kazakhstani real estate. 🔥 We discussed: — Which mortgage programs are actually working in 2026 — How to get an apartment at 2-5% interest — What is a "green mortgage" — How to get a mortgage without official income — Why will apartment prices continue to rise? — Is it profitable to buy a second apartment? — How can real estate yield 20% per annum? — Should I take out a mortgage now or save later? — How to get a housing certificate for 1,500,000 tenge — Is it possible to get a mortgage with bad credit? 💡 This interview will be useful for: ✔ Those who don't yet have an apartment ✔ Those who want to take out their first mortgage ✔ Those considering a second property ✔ Investors and entrepreneurs ✔ Young families ✔ Those who want to understand Kazakhstan's government programs 👤 Guest of the episode: Kuanbek, an expert on mortgages and real estate in Kazakhstan. 📲 Follow us on Instagram: Guest:   / kalmakysh   Host:   / madina.magdalena   Filming/Editing:   / mag.maximus   Location:   / astana.podcast.studio   🎥 Watch the episode to the end – it's full of practical tips that most Kazakhstanis don't even know about. ⏱ Timestamps: 00:00:39 | Introduction and return of Kuanbek 00:01:13 | Which mortgage programs are available in 2026 00:01:38 | Apartments at 2% and 5% from the state 00:02:07 | The "Concept" program in Astana 00:03:09 | Where are the state program apartments located? 00:03:36 | Why many people don't know about subsidized programs 00:04:00 | Where to keep track of new mortgage programs 00:04:59 | State rental subsidy 00:05:54 | Who can receive rental assistance 00:06:21 | Subsidized programs for young people 00:07:49 | Where to check all mortgage terms and housing waiting lists 00:08:17 | How to get on the housing waiting list 00:09:15 | Can pensioners get a mortgage? 00:10:14 | Mortgage for women on maternity leave 00:10:40 | A real-life case of a large family 00:11:50 | New mortgage products from banks 00:13:23 | Why cheap mortgages are driving up housing prices 00:14:31 | Is it worth buying out a rental property? 00:16:07 | Who can privatize an apartment for free? 00:17:47 | How to prepare for a mortgage? 00:18:45 | Is it better to save or take out a mortgage now? 00:20:10 | Why apartments will only get more expensive? 00:20:35 | Kuanbek's first mortgage? 00:22:23 | How to get a mortgage without waiting six months? 00:23:55 | Green mortgage: terms and rates. 00:26:24 | "Is an apartment without a mortgage a mistake?" 00:27:23 | How a mortgage can pay for itself with rent? 00:29:27 | Is it worth taking out a mortgage on a second apartment? 00:30:18 | Why real estate is the most straightforward investment. 00:31:48 | Kuanbek's Dream of His Own Home 00:32:12 | Mortgage for Building a House 00:33:32 | Should Children Be Provided with Apartments? 00:35:38 | Why Is It Getting Harder for Young People to Buy a Home? 00:36:33 | Is It True That You Don't Need Your Own Home Anymore? 00:37:05 | Real Estate Abroad and Dubai 00:39:32 | Umai Mortgage: Pros and Cons 00:40:52 | How to Reduce Your Mortgage Interest Rate Early 00:42:22 | The Most Favorable Mortgage for Young Families 00:44:23 | Mortgage Without Income Verification 00:46:17 | What to Do with a Bad Credit History 00:47:10 | Are People Taking Out Larger or Smaller Mortgages? 00:48:03 | How Kuanbek Saved for His First Apartment 00:49:22 | Why is it easier to buy an apartment now than before? 00:50:19 | Why rent can partially cover a mortgage 00:50:55 | Why are apartments with a mortgage more expensive? 00:52:25 | New bank restrictions from July 1 00:54:22 | How to get a 1,500,000 tenge housing certificate 00:56:14 | Key takeaways from the episode 00:56:56 | Kuanbek answers questions in the comments 00:57:26 | Where to follow Kuanbek 00:57:52 | Conclusion 🔥 Don't forget to subscribe, like, and comment: What is your attitude toward mortgages—are you afraid of them or do you see them as an opportunity?