1 шілдеден бастап ипотека рәсімдеу тәртібі өзгереді

Subscribe to the channel / Subscribe to the channel:    / @thesevennews   Getting a mortgage may become more difficult. Experts say: "Especially for housing loans in the secondary market, the requirements will increase." Some banks may even suspend mortgage programs starting in July. This is due to the increase in the base rate. There is a rush in the housing market. This is because the procedure for applying for a mortgage will change starting July 1. According to experts, people are trying to get a loan in time in advance of these changes. Citizens with low official incomes or those who receive a salary "in the envelope" are especially in a hurry. Because now some banks provide loans without confirmation of income, after July this opportunity may not be available. KUANBEK KALMAKYCH, MORTGAGE EXPERT: Why are people in a hurry to apply for a mortgage? Because now it is possible to get some loans without confirming income. We have many citizens who work informally or have low official income. Now, even if their official income is low, they have the opportunity to get a loan. But from July 1, these requirements will be abolished, all income will have to be officially confirmed. According to the expert, after the new requirements come into force, the number of transactions on the market may decrease by about 30 percent. Mortgage broker Merey Alimbayev: “Mortgage is not a very profitable product for second-tier banks,” he says. The funds provided are returned only in 10-15 years. And the higher the base rate, the lower the banks’ profits. Therefore, some financial institutions may temporarily suspend mortgages. MEREY ALIMBAEV, DIRECTOR OF A CONSULTING COMPANY: The higher the base rate, the lower the effective annual interest rate of a mortgage. As a result, the profits earned by banks decrease, and mortgages become an unprofitable product for them. Therefore, financial institutions may temporarily suspend such programs or tighten lending requirements. I think that from July there will be no mortgage programs on the secondary market. If banks do not launch new products such as "New Mortgage", it is not surprising that mortgage issuance on the secondary market will even stop. Financial expert Rustem Toktarov does not agree with the opinion that secondary banks will stop issuing mortgages. He believes that the upcoming change is a means to cool down the market. Regardless of economic and social changes, financial institutions always adapt to the situation and adapt their products to the market. RUSTEM TOKTAROV - FINANCIAL EXPERT I think that at the initial stage there may be a slowdown, but I believe that banks will adapt to the existing conditions, use the housing savings mechanisms provided by law, and in the future offer profitable conditions to product users. If we look at the statistics, this year the mortgage market has slowed down. For example, in January of this year, more than 8,300 mortgage loans were issued in Kazakhstan, which is 6.5 percent less than in January of last year. Banks are now very focused on profits. It is easier to get a mortgage only for people with a permanent job, official income and a down payment. And the population mostly relies on state programs. As for the price issue, it is difficult to make a precise forecast. On the one hand, if there are fewer buyers, the cost of apartments may decrease. On the other hand, state programs are likely to reheat the market and increase prices. According to experts, housing prices are currently stable: they are neither falling nor growing. At such times, it is easy to "break" the price, experts advise using the situation. --------------------------------------------- Official website of "Seventh Channel" https://tv7.kz/ru/ Instagram:   / tv7_kz   TikTok:   / tv7_kz   Facebook:   / tv7kz   Telegram: https://t.me/tv7_kaz #News #News2026 #NewsSeventhChannel #SeventhChannel #seventhchannel #7channel