In the name of God, the Most Gracious, the Most Merciful!
The «Islamic Mortgage» project meets all Shariah rules and allows you to purchase real estate, both for personal use and for investment.
"Islamic mortgage"
is available to ALL regardless of religion.
Our basic concept in the implementation of the project was to create the best conditions for our clients, in compliance with Shariah principles and rules.
Allah The Almighty Says (what means)::
«Аnd Allah has made for you from your homes a place of rest»
(Quran 16:80)
The main criteria for the benefits of Islamic Mortgage:
Lack of bondage and the risk of being left “with nothing”.
Payments equal for the entire duration of the contractual obligations.
The possibility of obtaining investment income.
In case of anticipating payment, there are no penalties, and a recalculation towards a decrease in payment is also provided.
Partially early payment.
Reliable partners.
Without proof of income (there are additional benefits with proof of income).
The minimum package of documents.
The contract price is fixed and transparent.
Basic conditions:
- Down payment: from 30%;
- Financing term: up to 10 years;
- Funding amount: consideration of each application individually;
- Minimum confirmed income: 200,000 KZT (net of tax and pension contributions);
- Age: from 21 years (at the time of the end of financing, the Client must not reach the retirement age)
- Early partial repayment;
- Commission for consideration of the application - 0 KZT;
- Other commissions - 0%;
- Real estate insurance commission up to 0.5% (no more than 300,000 KZT).
Required package of client documents
WITH CONFIRMATION OF INCOME
Individuals
- Identity card/Passport/Residence permit (copy, verified against the original or notarized copy);
- Marriage/divorce certificate (copy verified against the original);
- Consent of the spouse, if married, if not married, a statement that he is not married;
- Extended credit report from the First Credit Bureau (FCB) (issued at the office of the First Credit Bureau, www.1cb.kz);
- Statement from the pension fund for the last 24 (twenty four) months.
Individual entrepreneurs
- A copy of the certificate of state registration of an individual entrepreneur;
- A copy of the simplified declaration for small businesses for the last 2 (two) years;
- Certificate of absence of debt to the budget and printouts from personal accounts;
- Bank statement for the last 12 (twelve) months;
- Extract from the pension fund for the last 24 (twenty four) months;
- Extended credit report from the First Credit Bureau (FCB) (issued at the office of the First Credit Bureau, www.1cb.kz).
WITHOUT CONFIRMATION OF INCOME
Individuals
- Identity card/Passport/Residence permit (copy, verified against the original or notarized copy);
- Marriage/divorce certificate (copy verified against the original);
- Consent of the spouse, if married, if not married, a statement that he is not married;
- Extended credit report from the First Credit Bureau (FCB) (issued at the office of the First Credit Bureau, www.1cb.kz).
Individual entrepreneurs
-
A copy of the certificate of state registration of an individual entrepreneur;
-
Extended credit report from the First Credit Bureau (FCB) (issued at the office of the First Credit Bureau, www.1cb.kz);
