9000 qazaqstandyq "Otaý" men "Naýryz" baǵdarlamalarynyń qatysýshysy atanǵany týraly kópten kútken aqjoltaı jańalyq estidi.
Ótinish berýshiler men turǵyn úı baǵdarlamasyna qatysýshylardyń tolyq tizimi Otbasy bankiniń ("Báıterek" holdınginiń enshiles uıymy) resmı saıtynda jarııalanǵan - https://hcsbk.kz/ru/to-get-a-loan/otau/ jáne https://hcsbk.kz/ru/to-get-a-loan/nauryz/.
Barlyǵy 25 623 ótinim óńdeldi.
Baǵdarlamaǵa qatysýshylardyń basym bóligi Almaty (2 699) jáne Astana (2 020) qalalarynan. Sondaı-aq kóshbasshylar qatarynda Shymkent q. (781), Batys Qazaqstan (462) jáne Aqtóbe oblystary (401) bar.
"Otaý" jáne "Naýryz" baǵdarlamalary boıynsha tizimge engen 9000 adamnyń 1 818 – baspana kezeginde turǵan halyqtyń áleýmettik osal toptarynyń ókilderi.
"Otaý" jáne "Naýryz" baǵdarlamalaryna qatysýshylardyń kópshiligi – 35 jasqa deıingi qazaqstandyqtar. Bul 5 457 adam. Endi olardyń árqaısysy qoljetimdi sharttar boıynsha óz úılerin satyp ala alady. Jas azamattar úshin bul úlken kómek. Óıtkeni, óz shańyraqtarynyń bolýy olarǵa erteńgi kúnge degen senimdilik, qarjylyq turaqtylyq pen táýelsizdik beredi. Baspanaly bolǵan jas qazaqstandyqtarǵa bolashaqty josparlaý, otbasyn qurý jáne mansabyn damytý ońaıyraq.
Eń jas qatysýshy – Shymkent qalasynyń turǵyny Ermek Jarqynbek. Ol 25-qyrkúıek 18 jasqa tolǵan kúni ótinish berip, qatysýshylar tizime ótken.
"Otaý" jáne "Naýryz" baǵdarlamalarynyń sharttary boıynsha jeńildetilgen zaemdardy 63 jastan aspaıtyn qazaqstandyqtar ala alady. Qaraǵandylyq Záýre Orazbekovanyń aıy ońynan týyp, ol 64 jasqa tolýyna bir aı ǵana ýaqyt qalǵanda ótinim berip, qatysýshylardyń qosymsha tizimine sátti enip úlgergen.
Qosymsha tizimge qatysýshylardyń 48,8% - turǵyn úı satyp alý úshin respýblıkalyq mańyzy bar qalalardy, 31,6% - oblystyq mańyzy bar qalalardy, 17,5% - aýdandardy jáne 2,1% - monoqalalardy tańdaǵan.
3 - 18 qazan aralyǵynda (qosa alǵanda) baǵdarlamalarǵa qatysýshylar nesıelik ótinim berip úlgerýleri qajet. Ony Otbasy bank bólimshelerinde, onlaın banktiń resmı saıty (https://hcsbk.kz) nemese Baspana market portalynda (https://otbasybank.kz/) beıne-qońyraý shalý arqyly, sondaı-aq 7 qazannan bastap keńesshilerdiń kómegimen jasaýǵa bolady.
Eger qosymsha tizimge qatysýshy zaem boıynsha maquldaý alsa, onda oǵan tezdetip, 29-qarashaǵa deıin (qosa alǵanda) baspana taýyp, ony satyp alý kerektigine nazar aýdaramyz.
Upaılar qalaı esepteledi?
- salym boıynsha syıaqy mólsheri - árbir 1 000 teńge úshin 1 upaı;
- tirkelgen nekeniń bolýy - 5 upaı;
- balalardyń bolýy - 10 upaı (balalar sanyna qaramastan);
- halyqtyń áleýmettik osal toptary (HÁOT) mártebesiniń bolýy - 10 upaı;
- 35 jasqa deıingi jas (qosa alǵanda) – 5 upaı.
"Otaý" jáne "Naýryz" baǵdarlamalarynyń sharttary:
- alǵashqy jarna - 20%-dan bastap;
- turǵyn úı kezeginde turǵan azamattardyń áleýmettik osal sanattary úshin kredıt boıynsha mólsherleme - 7% (JTSM 7,3%-dan 8,9% deıin);
- azamattardyń barlyq sanattary úshin kredıt boıynsha mólsherleme - 9% (JTSM 9,3%-dan 11,8% deıin);
- nesıe merzimi - 19 jylǵa deıin.
Baǵdarlamalar aıasynda turǵyn úı satyp alý boıynsha kelesi sharttar usynylady:
- alǵashqy naryqtaǵy turǵyn úı, onyń ishinde QTK kepildigimen úlestik qatysý sharty jáne saqtandyrý quraly boıynsha;
- monoqalalar men aýyldyq eldimekenderde ekinshi naryqtaǵy turǵyn úı.
Zaemnyń eń joǵarǵy mólsheri:
- Almaty men Astana qalalary úshin - 36 mln teńgege deıin.
- qalǵan óńirler úshin – 30 mln teńgege deıin.
Baǵdarlamaǵa qatysýshy bastapqy turǵyn úıdi Baspana market portalynan (otbasybank.kz) tańdap, brondaı alady.
Qazirgi ýaqytta bank Baspana market portalynda (otbasybank.kz) "Otaý" baǵdarlamasyna qatysýshylar úshin de, "Naýryz" baǵdarlamasyna qatysýshylar úshin de turǵyn úı nysandaryn belsendi ornalastyrýda. Qazir tańdaýǵa 14 613 páterden turatyn 647 turǵyn úı kesheni usynylǵan. Bul tizim kún saıyn tolyqtyrylyp otyr.
