Loan calculator
Every lender's calculator leads with the monthly payment, because that is a small number. This one leads with two others: what the purchase ends up costing, and what the rate really comes to once fees and insurance are counted.
What the purchase will cost you
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Real rate
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Not the advertised rate but the arithmetic with fees and insurance included. The legal ceiling is 40 % secured, 56 % unsecured.
Monthly payment
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Amount borrowed
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Total to be paid
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Where your money goes
Only one line here buys something that exists — the one going to the seller. The rest is the price of the money.
A subsidised rate is not a cheap loan but the same loan with part of it paid by taxpayers. Estimated as the interest at the market rate less the interest actually charged.
| Month | Payment | Principal | Interest | Fees | Balance |
|---|
Worked example
| Purchase price | 20 000 000 ₸ |
|---|---|
| Down payment | 4 000 000 ₸ |
| 18 % · up to 240 months | 63 262 826 ₸ — 3.2× |
| 7 % · up to 300 months | 37 925 248 ₸ — 1.9× |
Programmes and terms
Mortgage
| Programme | Lender | Rate | Term | Down | Checked |
|---|---|---|---|---|---|
| "7-20-25"New builds only. Funded at 100 bn tenge a year; the queue is long. | Отбасы банк | 7.00 % | up to 300 months | 20 % | 26.08.2026 · source |
| "Nauryz"For those without property for five years. Requires at least 2 m tenge saved at Otbasy Bank. 7 % for socially vulnerable categories. | Отбасы банк | 9.00 % | up to 228 months | 20 % | 26.08.2026 · source |
| JAÑA mortgageAgainst a cash pledge, secondary market. The rate depends on the pledge. | Отбасы банк | 5.00 % | up to 180 months | 30 % | 26.08.2026 · source |
| Commercial mortgageMarket rate: 14–18 %, depending on the bank and the down payment. | — | 18.00 % | up to 240 months | 20 % | 26.08.2026 · source |
Car loan
| Programme | Lender | Rate | Term | Down | Checked |
|---|---|---|---|---|---|
| Subsidised car loanFor new, locally assembled cars. | — | 4.00 % | up to 84 months | 20 % | not checked |
| Bank car loanThe car itself stands as collateral. | — | 21.00 % | up to 84 months | 20 % | not checked |
Consumer loan
| Programme | Lender | Rate | Term | Down | Checked |
|---|---|---|---|---|---|
| Secured consumer loanSecured: the effective-rate cap is 40 %. | — | 22.00 % | up to 120 months | — | not checked |
| Unsecured consumer loanUnsecured: the effective-rate cap is 56 %. | — | 28.00 % | up to 60 months | — | not checked |
Instalments
| Programme | Lender | Rate | Term | Down | Checked |
|---|---|---|---|---|---|
| Interest-free instalmentsZero rate: the seller builds the margin into the price. | — | 0.00 % | up to 24 months | — | not checked |
Business loan
| Programme | Lender | Rate | Term | Down | Checked |
|---|---|---|---|---|---|
| State business supportSubsidised rate, with eligibility conditions. | — | 7.00 % | up to 120 months | — | not checked |
| SME loanFor working capital or investment. | — | 20.00 % | up to 84 months | — | not checked |
Rates change. Each row says where it came from and when it was checked; unchecked rows are marked as such. Before signing, ask the bank directly: the arithmetic is ours, the offer is theirs.