Mortgage loans in Kazakhstan: current trends and opportunities for development

Umar Salpagarov

Bachelor's thesis

Abstract:

The paper studies the features of the development of mortgage lending in the Republic of Kazakhstan. In the theoretical part, approaches to defining the essence of the concept of mortgage lending, types of mortgage loans are considered, as well as a study of foreign experience in the development of mortgage lending. In the analytical part, based on the data of the National Bank of the Republic of Kazakhstan, a study of statistical indicators of the development of the mortgage lending market in Kazakhstan was carried out. An analysis of the dynamics of the volume of mortgage lending to the population by second-tier banks of Kazakhstan for 2018-2021 is presented, the dynamics of the volume of mortgage lending in the regional context and in the context of the main mortgage products is analyzed. It is concluded that the state actively supports the subjects of the mortgage lending market by developing preferential programs. In the final part, the problems of the development of mortgage lending are highlighted and a number of recommendations are presented aimed at improving the system of mortgage lending in Kazakhstan.

Keywords

Mortgage, Loan, Lending, Trend, Kazakhstan

Language used: English

Date on which the thesis was submitted / produced: 15. 3. 2022

Thesis defence

• Supervisor: Ing. Olga Regnerová, Ph.D.

Czech University of Life Sciences Prague

Faculty of Economics and Management

Bachelor programme:
Business Administration