Information on Mortgage Programs for KTZ Employees

03-06-2026

Under the signed cooperation agreement with Halyk Bank of Kazakhstan JSC, a mortgage lending program is available for employees of the JSC 'NC 'KTZ' group of companies.

The program is open to all categories of employees and provides for the independent processing of a mortgage loan without the involvement of intermediaries or any other third parties.

Key Program Terms:

• Length of Service: At least 1 year in the railway industry.
• Interest Rate: From 18.5% per annum.
• Loan Term: Up to 20 years.
• Down Payment: From 20%.
   

To receive detailed and reliable information, as well as to calculate specific loan terms, applicants must contact official branches of Halyk Bank of Kazakhstan JSC exclusively.

Important Warning:
Information regarding this program posted on third-party internet resources and social networks, as well as offers from third parties to assist in securing the mortgage loan, are not official.

JSC 'NC 'KTZ' and Halyk Bank of Kazakhstan JSC do not engage third parties and accept no responsibility for information obtained from unofficial sources. All necessary consultations are provided directly by bank employees.

Press service of JSC «NC«Kazakhstan Temir Zholy»