Sale and purchase of real estate {region.in }: a complete guide for market participants in 2026

The decision to buy or sell an apartment, private house, commercial premises or land plot is perhaps the most financially capacious and emotionally stressful step in any person's life. The real estate market of Kazakhstan, and {region.in In particular, it has its own specifics: the interests of developers, investors, realtors and private owners are intertwined here. The price of a mistake in this market is measured not just in lost time, but in millions of tenge and years of litigation.

PlatformNATUMBE.KZIt was created in order to make this process as transparent, safe and profitable as possible for both parties. We have compiled 0 listings relevant ads so that you can find the perfect property or sell your property quickly and without hidden fees. In this comprehensive guide, based on many years of experience in supporting transactions in Kazakhstan, we will analyze each stage: from the evaluation of the object and the search for a buyer to the intricacies of legal registration and secure settlement.

The anatomy of the real estate market {region.in }: what, where, and how much?

Before putting up an object for sale or going on a search, it is necessary to clearly understand what the local market consists of. It is not homogeneous, and prices may vary significantly even within the same area. Let's look at the main segments that are presented on NATUMBE.KZ.

Secondary housing market: pros, cons and hidden risks

"Recycling" is the foundation of the market. Buying an apartment in an already inhabited house attracts many by the fact that you can go in, look at the neighbors, evaluate the yard infrastructure and understand how the management company works in winter. However, it is in the secondary market that 90% of all legal risks are hidden.

When selling apartments in the old foundation {region.in owners often face the fact that buyers are afraid of the age of the building. This is where competent home staging (pre-sale preparation) and an emphasis on the advantages of the location come to the rescue: proximity to parks, good schools, bus stops. If you are selling a Khrushchev or Brezhnev apartment, do not try to pass it off as luxury housing. An honest description, high-quality photos and an adequate price will lead to a deal much faster than inflated expectations.

New buildings {region.in }: expectation and reality

Buying a house in a new building is always a game for the future. You are not buying concrete walls, but the lifestyle that the developer promises. The bulletin board NATUMBE.KZ presents both objects at the excavation stage (through assignment of the right of claim) and apartments in commissioned houses with rough or finishing.

For the seller of a new building, the main advantage is the absence of a "history" with previous owners, which removes some of the buyer's legal fears. However, there are nuances here: if the house has not yet been put into operation, the transaction is not executed as a classic purchase and sale, but as an assignment of claim (assignment), which requires mandatory notarization and the consent of the developer.

The private sector and cottages: the specifics of the assessment

Sale of a private house {region.in } is always the sale of the complex: the building itself, the yard, the outbuildings and, most importantly, the land. It is more difficult to evaluate such an object objectively than an apartment. Here, the price is formed from the value of the land (which can vary greatly even on neighboring streets) and the cost of the "box", taking into account its wear and tear.

Buyers of private homes in {region.in First of all, they do not look at the wallpaper, but at the roof, the foundation, the quality of insulation and, of course, communications. The presence of supplied gas, a good well or central water supply, as well as a working septic tank are the three pillars that support the liquidity of a private home. If you are selling a house, be sure to prepare the documents for the land (state certificate) and technical passports for all buildings.

Commercial real estate: a business tool

The sale of commercial real estate (offices, retail spaces, warehouses, street retail) requires a completely different approach. Here, buyers think in terms of ROI (return on investment) and capitalization. If you are selling a ground—floor space with high pedestrian traffic, your target audience is investors who will rent it out as a pharmacy, coffee shop, or pick-up point. In the advertisement on NATUMBE.KZ, be sure to indicate the passability, the presence of storefronts, the allocated electrical power and the possibility of placing a sign.

Step-by-step instructions for the SELLER: how to sell real estate {region.in } expensive and fast

Many sellers make the fatal mistake of putting up an object on the principle of "let them try to offer, and then we'll see." The real estate market does not forgive fuss and high expectations. In order for the transaction to take place within a reasonable time, proceed according to the following algorithm.

Step 1. Pre-sale and homesteading

Forget about the rule "the buyer will make repairs for himself". Empty, unkempt apartments with the smell of dampness or animals scare off 80% of potential buyers. They don't have the spatial imagination to see your perfect living room behind the peeling wallpaper.

• Depersonalization and clutter.Remove personal items, family photos, fridge magnets, and excess furniture. The space should appear bigger and brighter.
• General cleaning.The windows should be perfectly clean (this is crucial for insolation), the plumbing should shine, and there should not be a drop of grease in the kitchen.
• Minor cosmetic repairs.Cover up the nail holes, tint up the peeling paint, replace leaking faucets, and fix all the doors that creak or won't close. It costs a penny, but it dramatically changes the perception.
• An emotional anchor.Before the show, you can bake cookies or brew coffee. The aroma of fresh pastries is subconsciously associated by customers with comfort and home.

Step 2. Professional assessment and pricing

How to figure out how much your apartment or house is worth {region.in }? Don't look at ads where prices are quoted "out of the blue" or where sellers have been waiting for their buyer for years. Study the latestreal dealsin your area (this information can be found at local realtors or in open databases). Set the price slightly above average if your property really stands out (great view, newly renovated, enclosed courtyard), or exactly on the market if you need to sell quickly.

Step 3. Create a "selling" ad on NATUMBE.KZ

Your ad is your main sales tool. The dry text "I'll sell the apartment, call me" does not work.

• Photos decide everything.Take pictures in daylight, with the curtains open. Use a wide-angle lens (but without fanaticism, so as not to distort the proportions). Take pictures not only of the rooms, but also of the view from the window, the entrance, the courtyard, and the parking lot.
• Structured text.Break the description into blocks: "About the house", "About the apartment", "Infrastructure", "Terms of the transaction". The buyer scans the text with his eyes, it should be easy for him to find what he needs.
• Honesty.Specify if the windows overlook a noisy highway, but add: "premium double-glazed windows with excellent sound insulation are installed." Turn flaws into features.
• A call to action.Write down which deal you are willing to consider an exchange, mortgage, or installment plan.

Step 4. Conducting screenings and negotiations

Be prepared for the fact that customers will find fault. It's their job to look for flaws to bring down the price. Don't take it personally and don't get personal. Keep friendly, but firmly justify the price based on the facts (the cost of repairs, abandoned furniture, location advantages). If the buyer offers an inadequately low price, politely decline. There are enough active market participants on NATUMBE.KZ, and your object will definitely find its owner.

Step-by-step instructions for the BUYER: how not to lose money

Purchase of real estate {region.in } is a minefield. A mistake at the verification stage can cost you both money and housing. Let's look at how to protect yourself at each stage.

Stage 1. Due Diligence of the facility and the seller

This is the most important stage. Never transfer a deposit without checking the object against all databases. Kazakhstan has excellent digital tools for this.

1. Checking for encumbrances.Order a "Certificate of registered rights and encumbrances (restrictions) of rights to immovable property" from the PSC or through the eGov portal. In this document, you will see the real owner, the existence of a mortgage, arrest, rent, or an injunction against alienation. If the seller refuses to provide this certificate, run.
2. Checking the seller.Make sure that the seller is not in the process of bankruptcy, has no critical enforcement proceedings (you can check through the ERP portal). If the seller has huge debts, creditors can challenge the deal, proving that the sale was aimed at asset withdrawal.
3. Title documents.Study the basis on which the seller owns the object (purchase and sale agreement, donation, privatization, court decision). If he got the apartment as a gift from an unrelated relative a week ago, this is a reason to be wary (a chain of fraud is possible).
4. Extract from house books.Find out who is registered in the apartment. According to the law, even if a person checked out before the sale, but has the right to a share (for example, refused to privatize in favor of the seller), he retains the right of lifelong residence. Such "shady" tenants are the buyer's main nightmare.
5. Consent of the spouse.If the property was acquired in marriage, it is jointly acquired property, even if it is registered to one of the spouses. A notarized consent of the second spouse is required for the sale. Otherwise, the deal can be challenged.

Stage 2. Technical inspection of the apartment

Legal purity is good, but you have to live within physical walls. What should I look at during the examination?

• Redevelopment.Will the walls be demolished? If so, is redevelopment legal? In {region.in } regulatory authorities have become stricter. By buying an apartment with an illegal renovation, you commit to legalize it (which costs money and time) or return everything to its original condition. If the load—bearing walls are demolished or the radiator is removed to the balcony, the bank will not give a mortgage to such an apartment, and the Housing Inspectorate may sue for forced sale.
• Engineering systems.Open the taps and check the water pressure (especially if the apartment is on the upper floors). Flush the toilet. Turn on all the burners on the stove. Ask them to turn on the heating in winter and check how hot the batteries are. Inspect the pipe joints under the sink and in the bathroom for signs of corrosion or fresh stains.
• Neighbors and surroundings.Talk to the concierge or the neighbors in the stairwell. They can tell you what the seller hid: about the noisy tenants, about the planned overhaul with water shut off for a month, about problems with the roof or elevator.

Stage 3. Secure settlement and registration

The moment of money transfer is the most stressful. How to protect your millions?

Never just transfer cash into your hands or to a card "before registration". If you use a bank transfer, do this only at the time of signing the contract with a notary or a PSC, and be sure to take a receipt from the seller to receive funds in exact accordance with the amount in the contract.

Financial instruments: mortgages, installments, and government programs

The real estate market {region.in } does not exist in isolation from the banking system. Understanding financial instruments is critically important for both the buyer and the seller.

Second-tier mortgages: the pitfalls

The base rate of the National Bank dictates the market conditions. When mortgage rates in second-tier banks (BCC, Halyk, Kaspi, etc.) exceed 18-22% per annum, the secondary real estate market freezes. Customers simply do not have enough solvency. During such periods, sellers have to make concessions, lower prices, or offer their own installments. If you are selling during a period of high bids, be prepared for a prolonged exposure of the object.

Preferential government programs

For many Kazakhstanis, the only way to buy a home is through the Otbasy Bank (Zhilstroysberbank) programs and other government initiatives (for example, 5-10-20, Otbasy Bazaars, or programs for young families and doctors/teachers). If your apartment meets the requirements of these programs (a certain square footage, cost per square meter, no encumbrances), you get a huge advantage. Specify in the advertisement on NATUMBE.KZ: "The mortgage is accepted by Otbasy bank / Base rate". This will expand your audience significantly.

Using EDV and mother capital

Many buyers use a One-time Payment (EDA) from the UAPF or child support to cover the down payment. As a seller, it is important for you to understand that this money goes directly from the government or the bank to your account. The transaction does not differ from the usual one, but the buyer may ask you to specify the real (and not underestimated) value in the contract so that the bank approves the entire amount. Go ahead, it's in your best interests.

Taxes on the sale of real estate in Kazakhstan: who pays and how much?

One of the most frequent questions on NATUMBE.KZ is: "Do I need to pay tax on the sale of an apartment?". Let's look at this issue once and for all, based on the Tax Code of the Republic of Kazakhstan.

When do you NOT need to pay personal income tax (10%)?

You are fully exempt from paying individual income tax (IIT) on the sale of your home if at least one of the following conditions is met:

1. The three-year rule:The apartment or house has been owned by you as a private property for more than 3 years. The reference date is not taken from the moment of settlement, but from the date of registration of the right at the Registration Center (or from the date of issue of the state certificate for the land).
2. The only accommodation:If you are selling the only home you have owned for less than 3 years, no tax is paid either. But if you own at least one more share in another apartment (even 1/10), this rule does not apply to you.
3. Housing received under an annuity (maintenance) agreement or as an inheritance:In these cases, no tax is charged regardless of the period of ownership.

When will the tax HAVE to be paid?

If you have sold an object that you have owned for less than 3 years, and this is not your only home, you are required to pay 10% of the difference between the purchase price and the sale price. If the difference is not documented, the tax is calculated from the cadastral value.

Beware, scammers! Top 5 schemes of deception in the real estate market {region.in }

Where there is a lot of money, there are always scammers. We moderate ads on NATUMBE.KZ daily, but you need to know the enemy by sight. Here are the most common schemes used by scammers in Kazakhstan.

Scheme 1: "Fake realtor" and deposit

A "realtor" calls you for an object that is not even in the database (or that has already been sold), and says that he has a "real buyer with cash." He asks you to leave a deposit (ostensibly for booking or to "demonstrate the seriousness of the buyer's intentions") on the card. As soon as you transfer money, the realtor blocks you.

How to protect yourself:Never transfer a deposit if you are a buyer. The deposit is transferred only at a personal meeting, against receipt, and only after checking the documents. If you are a seller, you do not pay any "insurance premiums" or "booking fees" to pseudo-realtors.

Scheme 2: Double sale

An unscrupulous owner sells the same apartment to two different buyers. He gives the first one the original documents for "checking at the bank," and at the same time goes to the PSC or notary with the second one and registers the transaction. The first buyer remains without money (if he managed to transfer it), and without an apartment.

How to protect yourself:Before transferring money or signing a contract, order a fresh certificate of encumbrances from eGov on the spot. If the apartment has already been sold, it will be visible in the certificate.

Scheme 3: Sale by forged power of attorney

Fraudsters find lonely elderly people, issue general powers of attorney for them (sometimes fraudulently, sometimes through fake notaries), and then quickly sell apartments to third parties, taking the money and disappearing. The real owner finds out about the sale after the fact and begins the courts, as a result of which the transaction is canceled, and the bona fide buyer loses his home.

How to protect yourself:If the transaction is conducted by a proxy representative, be sure to call the real owner (find his number through the help desk or neighbors). Make sure that he is alive, sane and really wants to sell the apartment. Check the power of attorney for revocation in the registry of the notary.

Scheme 4: "Mortgage" fraud

The buyer takes out a mortgage from a bank. The bank transfers the money to the seller. But the seller, having conspired with an unscrupulous appraiser, overestimates the cost of the apartment. The difference between the actual price and the overpriced mortgage is shared by the seller and the appraiser. The bank remains with collateral, which costs less than the loan issued.

How to protect yourself:This scheme usually does not harm buyers (they get an apartment), but if you are a seller and you are asked to "slightly raise the price in the contract so that the bank will give you more money for repairs" — run. You become an accomplice to fraud in front of the bank.

Scheme 5: Fictitious bankruptcy

The owner, who has huge debts, sells the apartment to a relative or a figurehead at an undervalued price. After a while, the creditors file for bankruptcy against him. The financial manager disputes the real estate sale, arguing that it was made with the aim of withdrawing assets to the detriment of creditors. The deal is canceled, the apartment is withdrawn from the auction, and the "buyer" remains on the street, having only the right to demand a refund (which, of course, the bankrupt does not have).

How to protect yourself:Carefully check the seller on the EPP website (Register of Enforcement Proceedings) and in the bankruptcy database. If a person has debts of tens of millions, and he sells the only apartment, this is a red flag.

Real estate investments {region.in }: how to make money on concrete?

Real estate in Kazakhstan is traditionally considered one of the most reliable ways to save capital. But is it a good investment to make money? Let's face it.

Strategy 1: Purchase at the excavation stage (New Buildings)

The classic strategy is to buy an apartment at the foundation stage and sell it after the house is completed. Marginality can reach 30-40%. However, in {region.in } this strategy is now working worse due to the transition to project financing and escrow accounts. Developers can no longer dump prices at the start, and the buyer bears the risks of delaying the delivery of the facility. It is worth investing here only with trusted developers who have an impeccable reputation.

Strategy 2: Daily and long-term rentals

Buying an apartment for rent is creating passive income. In {region.in Long-term rental yields average 5-7% per annum of the cost of the facility (which is lower than deposits in banks, but provides protection from inflation due to the rising cost of concrete itself). Daily rent can bring 10-12%, but requires active participation (cleaning, check-in, repairs). Invest in studios and one-bedroom apartments near universities, hospitals or business centers — they are always liquid.

Strategy 3: Flipping (Reselling after renovation)

Buying a "dead" apartment on the secondary market at a lower-than-market price, quick renovation (homesteading) and resale at a premium. This strategy requires in-depth knowledge of the local market, the availability of a reliable repair team and an understanding of which finishing materials increase the liquidity of the facility in the eyes of buyers {region.in }. A mistake in choosing the tile color or layout can eat up all the profits.

Why is NATUMBE.KZ the best platform for real estate transactions?

We are not just a bulletin board. We are an ecosystem created for people who value their time and money. That's why thousands of residents {region.in } choose us:

• Direct contacts without intermediaries.We strictly moderate ads. If you see a note "From the owner", it means that you will be talking to the owner, and not to the realtor, who will charge 3-5% commission on top.
• Smart filters and a map.Look for an apartment not only by price, but also by year of construction, availability of parking, type of heating, floor. Linking to the map allows you to assess the area without leaving your home.
• Protection against fakes.Our algorithms and moderators remove duplicates, outdated ads, and outright spam on a daily basis. You only see what you can actually buy or withdraw right now.
• Free accommodation.Putting your property up for sale or rent on NATUMBE.KZ is absolutely free. We earn on the development of the platform, not on commissions from your transactions.
• Expert content.As you are reading right now, we are helping you understand the legal and financial intricacies so that you can make informed decisions.

Mega-FAQ: answers to the most difficult questions about real estate {region.in }

Conclusion: Your ideal deal starts at NATUMBE.KZ

The real estate market {region.in It's full of possibilities, but it's also full of pitfalls. The success of the transaction — whether it's selling an apartment to expand the living space, buying your first corner or investing in a commercial street retail - depends 80% on your preparation and 20% on choosing the right place to search.

PlatformNATUMBE.KZIt gives you all the tools to conduct a transaction honestly, quickly and profitably. We have brought together thousands of owners and buyers, creating a space where transparency and direct dialogue rule. Study analytics, use our checklists, don't be afraid to ask awkward questions and check documents. And remember: in real estate matters, it's better to spend a week on a thorough check than to solve problems in court for years.

Do not postpone your housing issues for later. Place an ad for sale on NATUMBE.KZ right now or start searching for your dream home. Let every square meter work for your well-being!