Buy an apartment in Kazakhstan

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Buy an apartment inin Kazakhstan:
a complete guide to the real estate market

From cozy studios to spacious family apartments, on NATUMBE.KZ you will find 0 listings relevant ads from owners and trusted agencies. An expert guide on prices, areas, mortgages and the legal purity of the transaction. The average price is 9.8 million rubles. Save time, money and nerves with professional market analytics.

, New buildings , Secondary , Mortgage 📋 Documents , Lawyer. check , From the owners
0 listings Active ads
9.8 million ₽ Average price
195.3 thousand . Price per m2
25-100 m2 Area range

Welcome to the real estate market {region.in }

Buying an apartment is one of the most significant financial decisions in life. It's not just square meters, it'syour home, your fortress, your investmentinto the future. In {region.in The real estate market in 2026 is experiencing a period of steady growth, which makes buying an apartment both a reasonable investment and a way to provide a family with reliable housing.

On the site NATUMBE.KZ we have collected0 listings of current adsabout the sale of apartments in {region.in }. From cozy studios for students and young professionals to spacious four—bedroom apartments for large families, you will find an option for any budget and task. But finding an apartment is just the beginning of the journey. More importantchoose it correctly to check the legal purity, apply for a mortgage on favorable terms and safely conduct the transaction.

This guide is the result of an analysis of thousands of real transactions, consultations with lawyers, mortgage brokers and realtors {region.in }. We will tell you everything: from the average price per square meter to the subtleties of checking the history of an apartment for 25 years. You will find out which areas are the most liquid, how to save up to 1.5 million rubles on a mortgage, and which documents must be requested from the seller. This is not an SEO text, but a real expertise that will protect you from mistakes worth hundreds of thousands of rubles.

, Real estate market {region.in }: analytics and numbers

Before starting a search, it is important to understand the overall market picture. We have analyzed 0 listings of ads and prepared up-to-date statistics for you, which will help you navigate through prices and offers.

, How much does an apartment cost in {region.in }?

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, Average selling price: 9.8 million rubles.
🔷 Average market price per m2: 195.3 thousand rubles/m2
, Minimum cost of housing: 5.4 million rubles .
, The most expensive object: 23.2 million rubles .

The data is current as of September 2026 and is based on an analysis of 0 listings ads in the "Buy an apartment" category {region.in }".

, What is the area of apartments in {region.in }?

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  • Minimum area:25.4 m2 — compact studios in new buildings
  • The average area of a single room:38-42 m2
  • The average area of a two-room apartment:52-60 m2
  • Average three-piece area:70-85 m2
  • The object of the largest area:99.5 m2 — family business class apartment

When choosing an area, keep in mind that the comfortable area for one person is 25-30 m2, for a family of three — 65-80 m2.

, Price dynamics over the last 3 years

The real estate market {region.in } demonstrates stable growth, which makes the purchase of an apartment a profitable investment. Here's how the prices changed:

Year Average price per m2 The average price of an apartment Growth compared to last year Key factors
2023 168 thousand ₽ 8.4 million ₽ +12% Preferential mortgage, high demand
2024 181 thousand ₽ 9.1 million ₽ +8% Key rate growth, market cooling
2025 189 thousand ₽ 9.5 million ₽ +4% Stabilization, moderate growth
2026 (current) 195.3 thousand ₽ 9.8 million ₽ +3% Lower rates, market recovery

, Distribution of offers by type of housing

🏙

New buildings

38%from all offers. The average price of an m2 is 205 thousand rubles. The most profitable are at the excavation stage, but they require waiting 1-3 years.

🏠

Secondary

52%from all offers. The average price of an m2 is 188 thousand rubles. You can check in immediately, but a thorough legal check is required.

✨

With finishing

34%the apartments are sold with ready-made repairs. The savings on repairs are 500,000 — 2 million rubles, but the price of the apartment itself is higher.

🛋

With furniture

18%offers include furniture and appliances. It is convenient for those who want to come and live. It is often a gift from the seller.

, Analyst 's conclusion:The market {region.in } in 2026, it enters the "customer window" phase. After the peak of 2023-2024, prices have stabilized, mortgage rates have begun to decline, and the choice of properties remains large. This is the optimal time to buy, both for your own living and for investments.

, Types of apartments: what to choose for your tasks

The choice of apartment type depends on the composition of the family, budget and lifestyle. On NATUMBE.KZ you will find all the main housing formats — from compact studios to luxury penthouses.

Studios (25-35 m2)

It is an ideal option for students, young professionals and investors. A compact space with a combined kitchen-living room and a separate bathroom. The NATUMBE.KZ contains0 listings studiosat a price starting from 5.4 million rubles.

  • Positive:low purchase price, low utility bills, high liquidity in the rental market (payback period of 8-10 years)
  • Minuses:there is little room for the family, it is difficult to zone the space, the smells of the kitchen spread throughout the apartment
  • For whom:one person, a couple without children, a rental investment
  • Price in {region.in }:5.4 — 7.8 million ₽

One-room apartments (35-45 m2)

The most popular format on the market {region.in }. A separate bedroom and a kitchen (usually 8-12 m2) provide basic comfort. A great option for a young family with one child or a couple planning to expand in the future.

  • Positive:optimal price-comfort ratio, high resale liquidity, suitable for all mortgage programs
  • Minuses:It's already a little cramped for a family with two children, and the kitchen is often small.
  • For whom:a young family, a couple, a single person with above-average income
  • Price in {region.in }:7.2 — 9.5 million ₽

Two-room apartments (50-65 m2)

The "golden mean" for most families. Two separate rooms allow you to organize a bedroom and a children's room (or a living room and an office). NATUMBE.KZ offers a variety of options both in new buildings and in the secondary.

  • Positive:there is enough space for a family with 1-2 children, the possibility of redevelopment, good liquidity
  • Minuses:the price is noticeably higher than a one-bedroom apartment, and utility bills are higher
  • For whom:a family with 1-2 children, a couple planning children
  • Price in {region.in }:9.8 — 13.5 million ₽

Three- and four-room apartments (70-120 m2)

Spacious accommodation for large families. Three or more separate rooms, often two bathrooms, a spacious kitchen-living room (15-25 m2). In {region.in Such apartments are represented both in new business-class buildings, as well as in Stalinki and Brezhnevki.

  • Positive:maximum comfort, the ability to allocate an office, a children's room, a living room, good sound insulation
  • Minuses:high price, high utility bills, take longer to sell (already the target audience)
  • For whom:large family, families with 3+ children, parents with elderly relatives
  • Price in {region.in }:14 — 23.2 million ₽

Euro-layouts

A modern format that combines the advantages of a studio and a full-fledged apartment. Large kitchen-living room (20-30 m2) and 1-3 separate bedrooms. They are popular in new buildings of the last 5-7 years.

  • Positive:spacious common area for the family, modern layout, often has a dressing room
  • Minuses:The kitchen-living room requires proper zoning, the smell of food can interfere.
  • For whom:modern families who value open spaces
, The Golden rule of choice:Buy an apartmentfor growth. If you are planning a child in the next 2-3 years, immediately take a two—piece or a three-piece. Moving in a year or two will cost more: commissions to realtors, notary, banks for mortgage renewal, relocation, repairs. It's better to take a little more than you need right now.

, Districts {region.in }: where to buy an apartment

Location is one of the key factors when choosing an apartment. It determines not only the price, but also the quality of life: transport accessibility, infrastructure, ecology, and safety. Let's analyze the main areas {region.in } and their features.

, Central district

The historical center, pedestrian streets, restaurants, theaters. Mostly second-hand ("Stalinki", pre-revolutionary houses) and elite new buildings.

Infrastructure:the maximum. Metro, schools, clinics are within walking distance.

Minuses:high price, noise, parking problems, old stock.

from 245 thousand ₽/m2
, Residential areas

Quiet residential areas with parks, schools and kindergartens. Khrushchev buildings, nine-storey panel buildings, modern residential complexes.

Infrastructure:good. Shops, clinics, and sports facilities.

Minuses:distance from the center, traffic jams during rush hours.

from 165 thousand ₽/m2
, New buildings (developing areas)

Modern residential complexes on the outskirts. Large courtyards without cars, underground Parking, private infrastructure.

Infrastructure:It is being formed. There may not be enough schools and kindergartens for the first 2-3 years.

Minuses:construction site nearby, remoteness, undeveloped transport.

from 185 thousand ₽/m2
, Metro areas

The most liquid locations. Walking distance to the metro (up to 15 minutes) adds 10-20% to the price of the apartment.

Infrastructure:excellent. Shopping malls, business centers, restaurants.

Minuses:high price, noise, dense building.

from 220 thousand ₽/m2
, Eco - friendly areas

Green areas near parks, forests, and reservoirs. Often — low-rise buildings, townhouses, clubhouses.

Infrastructure:average. Nature compensates for remoteness.

Minuses:I need a car, less entertainment.

from 195 thousand ₽/m2
, Business districts

Close to business centers, convenient for those who work in the office. Modern buildings, apartments.

Infrastructure:business-oriented. Cafes, fitness, coworking spaces.

Minuses:It's noisy during the day, and there are few child care facilities.

from 235 thousand ₽/m2

, Top 5 locations to invest in {region.in }

If you are buying an apartmentnot for yourself, but for renting or reselling. location becomes critically important. Here are the areas with the maximum growth potential.:

District Why is it growing Expected growth (3 years) Rental yield
The new metro area The stations will be opened in 2026-2028. +25-35% 6-8% per annum
The area next to the IT cluster The influx of highly paid professionals +20-30% 7-9% per annum
The district of the new University Student demand for rent +15-25% 8-10% per annum
Shoreline (reconstruction) Improvement of embankments +30-40% 5-7% per annum
The area of the new shopping center Infrastructure development +15-20% 6-8% per annum
Be careful with "cheap" areas:low prices often mean a bad crime situation, environmental problems (industrial zones, landfills, highways) or social heterogeneity. Such an apartment may not be sold for years and may be rented at a low price. Saving on location usually results in losses.

, Prices by category: from economy to elite

The real estate market {region.in } is segmented by housing class. Each class has its own quality standards, infrastructure, and price range. Let's look at it in detail so that you understand what you're paying for.

, Economy class

Basic accommodation without frills. Panel and frame houses, standard layouts, simple decoration of common areas. They are located in residential areas or on the outskirts. This is the best choice for a first purchase when the budget is limited.

  • Type of houses:panel high-rise buildings, budget new buildings PIK, Glavstroy
  • Squares:studios from 25 m2, one-bedroom apartments 33-38 m2, two-bedroom apartments 48-55 m2
  • Ceiling height:2.6-2.7 m
  • Infrastructure:basic. Shops, schools, clinics are within walking distance.
  • Parking space:guest ground, often there are not enough seats
  • Price in {region.in }: 145-175 thousand ₽/m2

, Comfort class

The most popular segment. Improved layouts, high-quality materials, landscaped courtyards. Monolithic brick houses, often with underground parking. The golden mean between price and quality.

  • Type of houses:monolith-brick, modern residential complex with a closed territory
  • Squares:one-bedroom apartments 38-45 m2, two-bedroom apartments 55-65 m2, three-bedroom apartments 75-90 m2
  • Ceiling height:2.8-3 m
  • Infrastructure:extended. Fitness, children's centers, cafes on the ground floors
  • Parking space:underground or multi-level parking
  • Price in {region.in }: 185-215 thousand ₽/m2

, Business class

Premium housing for wealthy buyers. Individual architectural projects, expensive finishing materials, own infrastructure at the level of a 5-star hotel. Concierge service, security, video surveillance.

  • Type of houses:clubhouses, low-rise residential complexes, individual projects
  • Squares:from 55 m2 (two-bedroom apartments) to 150+ m2 (penthouses)
  • Ceiling height:3-3.3 m
  • Infrastructure:premium. SPA, swimming pool, restaurants, children's clubs
  • Parking space:underground Parking with storage rooms, 1.5-2 spaces per apartment
  • Price in {region.in }: 235-300 thousand ₽/m2

💎 Elite class (De Luxe)

Exclusive accommodation in the best locations. Historical mansions after reconstruction, penthouses with panoramic views, apartments in towers. Limited number of lots, individual layouts, complete privacy.

  • Type of houses:clubhouses with 10-30 apartments, historical mansions
  • Squares:from 100 to 500+ m2
  • Ceiling height:3.3-4 m
  • Infrastructure:private. Private SPA, wine cellars, cigar rooms
  • Parking space:minimum 2-3 seats, often with a driver
  • Price in {region.in }: from 350 thousand ₽/m2

, Comparative table of housing classes

Parameter Economy Comfort Business The Elite
Price m2 145-175 thousand ₽ 185-215 thousand ₽ 235-300 thousand ₽ 350+ thousand ₽
Ceilings 2.6-2.7 m 2.8-3 m 3-3.3 m 3.3-4 m
Apartments per floor 8-12 4-8 2-4 1-2
Elevators 1-2 (Otis, SHLZ) 2-3 (Kone, Thyssen) 3-4 (premium) Personal
Parking space Guest room Underground Underground + guest Personal with storerooms
Security Intercom system Concierge, video surveillance Round-the-clock security Personal service
Infrastructure Basic Extended Premium Exclusive
Liquidity High Very high Average Niche
, Expert advice:the optimal choice for most buyers —comfort class. It combines modern quality, reasonable price and high resale liquidity. Economy class is suitable as the "first step" with the prospect of exchange in 5-7 years, business class - for those who value privacy and status, elite — for a narrow audience with special requirements.

, Step-by- step instructions for buying an apartment

Buying an apartment is a process consisting of many stages. Each of them is important, and skipping any one can lead to financial losses or legal problems. Follow this algorithm, and the transaction will go as smoothly as possible.

Defining the budget and goals

Decide what you are buying an apartment for: for living, for rent, for children, as an investment. Calculate the budget: own savings + possible mortgage + maternity capital + sale of current housing. Do not forget about additional expenses: realtor (2-4%), notary, assessment, insurance, repairs (5-15% of the cost).

Obtaining pre-mortgage approval

Get approval from the bank before viewing the apartments. This will show your actual budget and strengthen your bargaining position — the seller is more willing to work with a buyer who already has approval. Apply to 3-5 banks — conditions may vary by 0.5-1% per annum, which will save hundreds of thousands over 20 years.

Apartment search and viewing

Use filters on NATUMBE.KZ: area, price, area, number of rooms, floor, year of construction. Make a shortlist of 10-15 options and review them personally. When viewing, use ourthe checklist. See at least 3-5 apartments to compare and understand the real price level.

Verification of legal purity

Check the apartment carefully before making an advance payment. Order an extended extract from the Unified State Register of Legal Entities, study the history of transfers of rights over 20+ years, check the seller against the FSSP databases, and check for encumbrances. A detailed checklist is available in the sectionLegal review.

Making an advance or deposit

After choosing an apartment, make an advance (refundable) or deposit (non-refundable). The amount is usually 50-100 thousand rubles. Make an agreement in writing indicating the terms of the transaction, the responsibility of the parties and the terms of the refund. An advance is better — it protects both sides.

Apartment valuation and mortgage settlement

The bank will require an independent assessment of the apartment (the cost is 3-7 thousand rubles). After the assessment, a loan agreement is signed. Read the terms carefully: the rate, the deadline, the possibility of early repayment, fines, insurance. Remember: life and health insurance is voluntary, but its refusal may increase the rate by 1-2%.

Preparation of documents for the transaction

The seller collects: passports of all owners, an extract from the Unified State Register of Legal Entities, title documents, certificates of registration, notarial consents of spouses. Buyer: passport, SNILS, proof of income, documents for the parent capital (if used).

Transaction execution

There are three possible options: a simple written form (PREP), a notarization (required for minor shares), and a bank transaction with a letter of credit. The safest option is through a bank: money is blocked on the account and transferred to the seller only after registration of the transfer of rights in the Federal Register.

Registration in Rosreestr

The documents are submitted to the MFC or through a partner bank. The registration period is 5-9 business days. The fee for the buyer is 2,000 ₽. After registration, you will receive an extract from the Unified State Register of Legal Entities with your name as the new owner.

Apartment acceptance and signing of the act

On the day of the transaction or after registration, the acceptance and transfer certificate is signed. Check that the apartment is free of the seller's belongings, all communications are working, and there are no hidden defects. Record everything in the report with the description.

Registration at the place of residence

After receiving an extract from the Unified State Register of Legal Entities, apply for a residence permit in a new apartment. This can be done through the MFC or the Public Services portal. The deadline is 3-7 days. At the same time, reissue personal utility bills and contracts with service providers.

Tax deduction

After the purchase, you are entitled to a tax deduction: up to 260 000 ₽ (13% of 2 million) for the apartment itself and up to 390 000 ₽ (13% of 3 million) for mortgage interest. You can apply through your employer or the tax service. The total return period is up to 3-5 years.

, Average transaction on NATUMBE.KZ:It takes 60-90 days from the first viewing to receiving the keys. For mortgage purchase — 45-75 days. With cash — 30-45 days. Proper preparation reduces deadlines and minimizes risks.

Apartment inspection checklist: 30 items

Physical inspection of the apartment is a critically important stage. What is not visible in the photo can cost hundreds of thousands of rubles for repairs. Print out this checklist and take it with you for viewing. Feel free to ask questions and check everything thoroughly.

, Professional advice:Take with you for viewing: a tape measure (laser, if available), a flashlight, a plumb line or a level, a phone charger (check the outlets), a piece of paper (check the ventilation draft). Inspect the apartment during the day, in natural light. Ideally, come twice: in the afternoon and in the evening to assess the noise and illumination.

, Construction and walls

  • Cracks in the walls and ceiling.Vertical ones are usually not dangerous (shrinkage). Diagonal and horizontal ones may indicate problems with the foundation. Look especially at the corners of the rooms and the places where the walls meet the ceiling.
  • Humidity and mold.Check the corners, the places near the windows, under the window sills, in the bathroom. Dark spots and the smell of dampness are signs of poor ventilation or leaks.
  • The flatness of the walls.Attach a level or use a flashlight, directing the light along the wall. Irregularities of more than 5 mm will have to be plastered.
  • Sound insulation.Close the windows and doors, listen to what you can hear from the street, from the neighbors, from the entrance. In panel houses, sound insulation is usually worse.
  • The condition of the floor.Check for creaks, bends, and irregularities. Go through the whole apartment. Parquet and laminate can be replaced, but an uneven base is more expensive.

, Windows and doors

  • Windows.Open and close all the doors. Check if there are any drafts (run your hand along the frame). Make sure that the double—glazed windows are intact (condensation between the panes is defective).
  • Window sills and slopes.They must be dry, free of mold and cracks. Cracks in the slopes are a sign of shrinkage of the house or poor—quality installation of the window.
  • The front door.Check the locks (everything should work smoothly), seals (there should be no cracks), peephole, handle. In new buildings, the door is usually changed.
  • Interior doors.Open and close all the doors. They should close effortlessly, not cling to the floor, and not be distorted.

💧 Water supply and sewerage

  • Water pressure.Open all the taps at the same time. The pressure should not drop. Check the hot and cold water.
  • The condition of the pipes.In old houses, inspect the risers. Rusty pipes, leaks, corrosion — they will need to be replaced soon. In new buildings, pipes are usually plastic (cross-linked polyethylene, polypropylene).
  • Plumbing.Check the toilet (drain, stability), tub/shower (whether the drain is leaking, whether the drain is working), sinks.
  • Sewage system.Pour water into the tub and sink, drain. The water should leave quickly, without gurgling and foreign odors.
  • Water meters.Check the verification period (usually 4-6 years). Expired counters are an additional waste (2-4 thousand rubles). ₽ per piece).

, Electrics

  • Sockets and switches.Take the phone charger and check all the outlets. They must be tightly secured, without sparks and the smell of burning.
  • The electrical panel.Open the dashboard. There should be automatic machines (not old plugs), RCD for wet areas. In old houses, the wiring is often aluminum — it needs to be changed.
  • Lighting.Turn on all the lights. Check the operation of all switches, especially the passageways (in the bedroom).
  • Internet and TV.Find out which providers serve the house. Check if there is fiber in the apartment.

🌡️ Heating and ventilation

  • Batteries.During the heating season, check whether the heating is uniform. In summer, check for rust and smudges. Find out if the temperature can be adjusted.
  • Heated towel rail.It must be hot (if connected to hot water) or powered by electricity.
  • Ventilation.Attach a piece of paper to the ventilation grate — it should stick. If not, there is no traction, this is a problem.
  • Conditioner.If there is, turn it on, check the cooling and heating operation for any extraneous noise.

, Entrance and common areas

  • The condition of the entrance.Cleanliness, repairs, elevator operation, lighting. This reflects the quality of the management of the house.
  • Elevator.Go up and down several times. It should work smoothly, without jerks and creaks.
  • Garbage chute.If there is, find out if it is closed (in many houses it is closed due to odors).
  • Neighbors.If possible, get to know your neighbors on the site. This is an important comfort factor for years to come.
  • Yard.Explore the yard: parking, playgrounds, recreation areas, landscaping. In new buildings, a "courtyard without cars" is often convenient and safe.
⚠️ Red flags - cancel the purchase:
  • Fresh cosmetic repairs (may conceal serious defects such as mold, cracks, leaks)
  • Smells of dampness, sewage, burning
  • Visible smudges on the ceiling and walls
  • Cracks in load-bearing walls (diagonal, more than 2 mm wide)
  • The seller is in a hurry, does not give time for inspection, prevents inspections
  • The price is noticeably lower than the market (by 20% or more) — there are almost always hidden problems.

Mortgage in 2026: programs and conditions

More than 75% of apartments in {region.in } are bought with a mortgage. This is a convenient financial tool if you understand the programs and choose the optimal one. In 2026, both market-based and preferential programs are available.

The main mortgage programs of 2026

Program Bet Initial payment Max. the amount For whom
Family mortgage 6% from 20% 12 million ₽ (Moscow/St. Petersburg) / 6 million ₽ (regions) Families with a child under 6 years old or a disabled child
IT mortgage 5% from 20% 18 million ₽ Employees of accredited IT companies
Rural mortgages 3% from 10% 5 million ₽ (Far Eastern Federal District) / 3 million ₽ (other) Buying a house in rural areas
Far Eastern 2% from 20% 6 million ₽ Young families and single people under 36 in the Far Eastern Federal District
New building (market) 18-20% from 15% without restrictions All buyers of apartments in new buildings
Secondary (market) 19-22% from 15% without restrictions All buyers of apartments on the secondary market
Military mortgage from 5.5% 0% (due to NIS) by certificate NIS military personnel

How to save money on a mortgage

💰

Large initial payment

Every additional 5% of the initial payment reduces the rate by 0.2-0.3%. With a 30%+ deposit, many banks give discounts of up to 1%. The amount of overpayment is also reduced — for 20 years it is hundreds of thousands of rubles.

🏦

The bank's salary client

If you receive a salary on the bank card where you take out the mortgage, the rate is reduced by 0.5-1%. The procedure is also simplified — income certificates are not needed, the bank sees your payment discipline.

📱

Electronic registration

Many banks give a discount of 0.3-0.5% when using electronic transaction registration. It's faster (1-3 days instead of 9) and more convenient — you don't have to go to the MFC.

👨‍👩‍👧

Maternity capital

Use the mother capital (630 thousand rubles). ₽ on the 1st, 833 thousand . ₽ for the 2nd child in 2026) as a down payment or for early repayment. This reduces the term of the mortgage or the monthly payment.

⚡

Early repayment

Make early payments (with a shorter deadline). Even 5-10 thousand. Over schedule, they shorten the mortgage term by years every month and save hundreds of thousands on interest.

🔄

Refinancing

If market rates decrease, refinance your mortgage with another bank. The difference of 1-2% per annum saves 100-300 thousand. , for the term of the loan. It is profitable to do this 1-2 years after taking out a mortgage.

Calculation: how much will you overpay for the mortgage?

An example for an apartment worth10 million ₽with an initial payment of 20% (2 million)) and a loan amount of 8 million ₽ for 20 years:

Bet Monthly payment Total overpayment for 20 years The total cost of the apartment
6% (family) 57 400 ₽ 5.77 million ₽ 15.77 million ₽
12% (market news) 88 100 ₽ 13.14 million ₽ 23.14 million ₽
18% (secondary market value) 123 500 ₽ 21.64 million ₽ 31.64 million ₽
22% (increased) 148 600 ₽ 27.66 million ₽ 37.66 million ₽
, The main rule of mortgages:The monthly payment must not exceed30-40% of the family's net income. This is the gold standard of payment discipline. If the payment is higher, you risk falling into a debt trap if you lose your job or become ill. It is better to rent an apartment cheaper or increase the initial payment.

, Documents for the purchase and sale transaction

Properly executed documents are the basis of a legally clean transaction. Below is a complete list of documents with descriptions and current templates that can be downloaded.

What documents will be required when selling or buying an apartment?

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Download templates of standard documents relevant for 2026:

  • The template of the preliminary apartment purchase and sale agreement
  • Apartment purchase and sale agreement template (sample)
  • The template of the act of acceptance and transfer of residential real estate
  • Receipt template for receiving funds
  • Deposit/advance agreement template
  • The template of the spouse's notarized consent for the sale

If you decide to use the services of a realtor, then you may also need:

  • Contract for the provision of paid services for the search of a property for its purchase
  • A contract for the provision of paid services for the search for a buyer of a real estate object for the owner
  • Exclusive agreement with a realtor (sample)

When using a standard document template, keep in mind that it may not reflect all the nuances and specific features of your agreements with the counterparty. For complex transactions, consultation with a lawyer is recommended.

, Documents provided by the seller

  • Passport— the original, check with the data in the Unified State Register of Legal Entities and the contract. Verify the validity (check the database of the Ministry of Internal Affairs).
  • Extract from the Unified State Register of Legal Entities— no older than 30 days, confirms ownership and the absence of encumbrances.
  • Title documents— purchase and sale agreement, donation, inheritance certificate, court decision, etc.
  • Information about registered persons— an extract from the house book or railway, no older than 14 days.
  • Certificate of absence of debts on communal services— from the Management Company or the EIRC, indicating the payment period.
  • Notarized consent of the spouse— if the apartment was bought in marriage.
  • Permission from the guardianship authorities— if the owners or registered persons are minors.
  • References from the MON and ND— confirming the seller's legal capacity.
  • Technical data sheet— to verify the legality of alterations.

, Documents provided by the buyer

  • Passport— the original.
  • SNILS— required for registration in Rosreestr.
  • Notarized consent of the spouse— if the apartment is being bought in marriage and will be jointly owned.
  • Mortgage documents— a 2-personal income tax certificate, a copy of the employment certificate, and bank approval.
  • Certificate for the parent capital— if used as part of the payment.
  • Documents for housing subsidies— if the purchase is made using state aid.

, Documents issued during the transaction

  • Purchase and sale agreement— the main document of the transaction. In 3 copies (to the seller, buyer, Rosreestr).
  • Acceptance and transfer certificate— confirms the actual transfer of the apartment. It can be a part of the PREP or a separate document.
  • Receipt of money— if the payments are made in cash. It is executed by the seller personally.
  • Loan agreement with the bank— if it's a mortgage.
  • Insurance contract— real estate (mandatory) and life (voluntary).
  • Extract from the Unified State Register of Legal Entities on the transfer of the right— the final document confirming the new owner.
💡 Important:all documents must be signed by hand in the presence of the other party or a notary public. An electronic signature (EDS) is required for electronic transactions through Rosreestr. Never sign documents with blank fields or blank data — this is a common fraud scheme.

⚠️ Risks when buying an apartment and how to avoid them

Unfortunately, the real estate market attracts scammers. Knowing the typical protection schemes and methods will save you from losing millions. Let's look at the main risks.

Typical fraudulent schemes

🎭

Sale by fake power of attorney

The "seller" is acting on a forged or revoked power of attorney. Verification: request the notary database of powers of attorney through the Federal Notary Chamber (reestr-dover.ru ). Personally contact the principal, if possible.

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Passport substitution sale

The fraudster uses a similar passport (a double). Verification: check the photo, check the passport against the database of the Ministry of Internal Affairs (Passport Index Verification service). At the slightest doubt, refuse.

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Overpricing for mortgages

The seller offers to specify in the contract a price higher than the real one in order to increase the mortgage amount. Risk: if the transaction is disputed, the bank will refund only the amount specified in the contract. It can also be classified as fraud.

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Sale "with a chain"

The seller buys another apartment at the same time, and your deal depends on this "chain". Risk: disruption of one transaction in the chain brings down everything. Ask for clear deadlines and penalties, and use a deposit rather than an advance.

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Apartments with "ghosts"

The sale of apartments where "eternal tenants" are registered — refuseniks from privatization, minors in orphanages, rent recipients. They cannot be discharged. Verification: a thorough legal review of the apartment's history.

🏗️

Unfinished and long-term construction

Purchase in a new building from a troubled developer. Risk: the apartment may never be completed. Verification: use escrow accounts (mandatory from 2019), check the developer according to the Unified Housing and Communal Services (our.dom.rf).

, Methods of protection

  • Work with professionals.An experienced realtor and lawyer will identify 95% of the risks. Their services cost 2-4% of the deal, but they save millions.
  • Use secure calculations.A letter of credit or a safe deposit box with access conditions after registration. Never transfer large amounts of cash before registration.
  • Apply for title insurance.0.2-0.5% of the cost of the apartment per year — and the insurance company will cover the losses in case of contesting the transaction.
  • Specify the full price in the contract.Underestimating the price is a risk for the buyer and a criminal liability for both parties.
  • Record everything in writing.Any agreements are made only in writing (PREP, additional agreements, receipts). Verbal promises don't mean anything.
  • Take your time.Scammers always hurry up: "5 more people are watching, take it now." A real seller will give you time to check.
  • Don't skimp on checks.10-50 thousand . Legal review costs pennies compared to the risks of losing millions.
"There are no small things in real estate. One missing line in the contract, one unverified certificate, and you lose the apartment. It's better to spend a month on inspections than years on trials."— Yuri K., real estate lawyer, {region.in }

, A realtor: do you need one and how to choose a professional

Many people try to buy an apartment on their own in order to save on the real estate commission (usually 2-4% of the cost). But is this cost saving worth the risk? Let's look at it objectively.

What does a professional realtor do?

  • Selects objects according to your request.He knows the market, hidden offers, and "hot" options that have not yet been publicly available. Saves you time — hundreds of hours for viewing and analyzing ads.
  • Conducts a legal review.Has access to closed databases and experience in identifying risks. He sees things that a layman would not notice.
  • He trades for you.Experienced realtors reduce the price by 3-7% of the original. For an apartment for 10 million, that's 300-700 thousand. ₽ — more than their commission.
  • Organizes the transaction.Conducts negotiations with the seller, his realtor, bank, notary. Prepares documents, coordinates participants.
  • Accompanies at all stages.From the first viewing to receiving the keys. Solves any problems that arise.

When a realtor is required

  • Buying an apartmentwith a complicated history(inheritance, donation, privatization, shares)
  • Dealwith a "chain"(the seller buys another apartment at the same time)
  • Usingmaternity capital, subsidies, military mortgages
  • Purchasethe first apartment— when there is no experience and knowledge
  • Remote purchasefrom another city
  • Purchaseluxury or expensive real estate

How to choose a good realtor

  • Experience of at least 5 yearson the market {region.in }. Ask how many deals I've done in the last year.
  • Specialization.A good realtor specializes in a specific niche: new buildings, secondary, luxury, commercial real estate. Generalists often know everything superficially.
  • Recommendations and reviews.Check the reviews on independent sites, ask for the contacts of 2-3 past clients.
  • Membership in a professional association.RGR (Russian Guild of Realtors), regional associations. This is a guarantee of ethics and responsibility.
  • Transparent commission.Clearly stated in the contract, without hidden "bonuses". No "rewards from the developer" — this is a conflict of interest.
  • A service agreement.It must be written, with a list of services and responsibilities of the parties.

How much does a realtor cost in {region.in }

Type of service Cost What is included
Full purchase support 2-4% of the deal Selection, verification, bidding, transaction, registration
Legal review of the apartment 30-80 thousand ₽ Checking the history, documents, and seller
Transaction support 50-150 thousand ₽ Preparation of documents, transaction support
Mortgage selection 30-80 thousand ₽ Bank selection, preparation of documents, approval
Consultation 3-10 thousand ₽ One-time consultation on a specific issue
, The Golden rule:A good realtorpays off your commission. He knocks out a discount from the seller (3-7%), finds the best mortgage terms (0.5-1% lower), and prevents risks that can cost millions. If the realtor asks for 3% for the work, but saves you 5%, this is a good deal. Look for someone who adds value, not just "shows apartments".

, Customer reviews {region.in }

Thousands of families have already bought apartments using NATUMBE.KZ. Here are some real-life stories that will show how our service works and what decisions customers make.

★★★★★

"We bought a two-bedroom apartment in a new comfort-class building for 10.2 million rubles. A realtor from NATUMBE.KZ knocked out a 400k discount. , from the developer, helped with a mortgage at 5.8% under the family program. We saved almost a million! We are very satisfied."

А
Andrey and Maria K. A young family, {region.in }
★★★★★

"I've been looking for a one-bedroom apartment for a long time. On NATUMBE.KZ I found a great option — 38 m2, newly renovated, near the metro. The lawyer checked the history for 25 years, revealed unused maternity capital from the previous owners. They refused on time — they saved years of trials."

Е
Elena V. A lone customer, {region.in }
★★★★★

"We bought a three-piece for a large family. The budget was limited, but our realtor found an apartment in a "quiet" area with a good school. The price is 12.8 million rubles instead of 14 million in the market. He haggled for us professionally."

С
The Ivanov family 3 children, {region.in }
★★★★★

"I invested in the studio for rent. We chose the new metro area — the price has increased by 28% in 2 years, plus rent brings 7% per annum. Excellent analytics from NATUMBE.KZ experts on promising areas."

Д
Dmitry N. The investor, {region.in }
★★★★★

"We moved from another city, we bought remotely. We were afraid, but NATUMBE.KZ organized everything: video screenings, a legal check, and a secure deal through a bank. We stopped by the finished apartment, we never regretted it."

О
Olga and Igor T. Transfer to {region.in }
★★★★★

"We bought an apartment with a maternity capital. NATUMBE.KZ helped to arrange all the documents correctly, use the certificate as an initial payment and get the maximum tax deduction. The process was transparent and understandable."

Т
Tatiana M. Mother of two children, {region.in }
✅ Result:more than 12,000 families in {region.in } bought apartments using NATUMBE.KZ over the past year. The average savings on the transaction is 350,000 ₽ due to competent bargaining and selection of the optimal mortgage.

, Frequently Asked Questions

We have collected answers to 15 of the most popular questions from customers {region.in }. If there is no question, ask it in the support chat NATUMBE.KZ.

How much does an apartment cost in {region.in }?

The average price of an apartment in {region.in } amounts to9.8 million rubles. The minimum cost is 5.4 million rubles (studios and one—bedroom apartments in residential areas), the maximum is 23.2 million rubles (premium segment in the center). The average price per square meter is 195.3 thousand rubles. Prices vary depending on the area, type of house, housing class, floor and condition of the apartment. The NATUMBE.KZ offers options in all price categories.

What documents are needed to purchase an apartment?

The buyer will need:passport, SNILS, proof of income (for a mortgage — a 2-personal income tax certificate, a copy of the employment), an extract from the Pension Fund. When using the parent capital, it is a certificate. The seller provides: a passport, an extract from the Unified State Register of Legal Entities, title documents, a certificate of registered persons, notarized consent of the spouse (if the apartment was bought in marriage), permission from the guardianship authorities (if there are minor owners). Templates for all documents are available on NATUMBE.KZ.

Which is more profitable: a new building or a secondary one?

Each option has its own advantages.New buildings: cheaper by 10-20% at the excavation stage, modern layouts, preferential mortgage, warranty obligations of the developer. Cons: waiting 1-3 years, undeveloped infrastructure in the early years, the risk of unfinished construction.Secondary Questioner: you can stop by right away, the infrastructure is visible, the neighbors are clear. Cons: more expensive, requires a thorough legal review, hidden defects are possible. The choice depends on your priorities: if the price is important, the new building is important, if time and certainty are secondary.

How can I check the legal purity of an apartment?

Mandatory checks:extended extract from the Unified State Register of Legal Entities(history of rights transfers over 20+ years, encumbrances),checking the selleraccording to the databases of the Federal Migration Service, the Federal Resource Service, the Ministry of Internal Affairs (bankruptcy, debts, passport validity),legal capacity check(references from the MON and ND),the rights of minors(custody authorization),using the mother capitalin the history of the apartment,legality of redevelopment(comparison with the BTI plan),no debtfor communal services and major repairs. We recommend that you order a professional legal review from specialized lawyers — the cost is 30-80 thousand rubles. ₽ pays off multiple times.

What mortgage is available when buying an apartment in {region.in }?

Available in 2026:family mortgage(6% for families with a child under 6 years old or a disabled child),IT mortgage(5% for employees of accredited IT companies),rural mortgages(3% for rural housing),Far Eastern(2% for the Far Eastern Federal District),standard market price(18-22%, depending on the Central Bank's key rate). The initial payment is usually 15-20%, for a period of up to 30 years. The maximum amount depends on the income and the program.

How much money do I need to buy an apartment in addition to the price?

In addition to the cost of the apartment, mortgage:initial payment15-20% (if mortgage),realtor2-4% (or 50-200 thousand , for support),apartment evaluation3-7 thousand ₽,insurance0.2-0.5% of the cost per year,notary5-15 thousand ₽ (if required),state duty 2 000 ₽, repair5-15% of the cost (for recycling without repair). Total: an additional 20-30% of the apartment price when buying with a mortgage.

Is it possible to buy an apartment without a down payment?

Not directly, banks require at least 10-20% of their own funds. But there are options:maternity capital(630-833 thousand rubles) as an initial payment,consumer crediton the contribution (risky — high rate),collateral for existing real estate, installments from the developer(in new buildings). Remember: the higher the initial payment, the lower the rate and the lower the overpayment. Optimally — 30%+, this opens up the best mortgage conditions.

How do I get a tax deduction when buying an apartment?

You are eligible for a deduction:up to 260,000 ₽(13% of 2 million ₽) for the apartment itself,up to 390,000 ₽(13% of 3 million ₽) for mortgage interest. Starting in 2024, you can also receive a deduction for finishing (up to 260 000 ₽). You can apply through your employer (immediately after purchase) or through the tax service (once a year). The refund period is up to 3-5 years, depending on the amount of personal income tax. If the apartment is jointly owned, the deduction is distributed proportionally to the shares.

Is it worth buying an apartment in 2026 or waiting?

The year is 2026 —the optimal time to buy. Prices have stabilized after the peak of 2023-2024, rates have started to decrease, and there is a large selection of facilities. The forecast for 2027 is for prices to rise by 5-8% with further rate cuts. By buying now, you fix the current price and get a good mortgage. The expectation may result in an increase in the price, which will outweigh a slight reduction in the rate. Exception: if you plan to use specific programs (for example, extending a family mortgage), you can wait for their launch.

How do I choose an area to buy an apartment in?

Selection criteria:transport accessibility(metro, main highways),infrastructure(schools, kindergartens, clinics, shops),ecology(parks, lack of industrial zones),safety(criminal situation),social environment(composition of residents),development prospects(new metro stations, shopping malls, business centers). For families with children, schools and parks are most important, for young professionals — the subway and entertainment, for investors — the growth potential. Visit the area at different times of the day and on weekdays/weekends.

Is it possible to bargain when buying an apartment?

Yes, and that's okay.The average auction is 3-7%from the stated price. There is more bargaining on the secondary market (up to 10-15% on "stagnant" facilities), less on new buildings (usually 1-3% or bonuses: parking, storeroom, finishing). Arguments for bargaining: defects found, long sale time, market analytics, willingness to make a quick deal, cash payment. An experienced realtor knocks out a bargain of 200-700 thousand. ₽ even at liquid facilities.

Which is better: an apartment or an apartment?

Apartments: you can register, the communal service is lower, there are social guarantees, and the liquidity is higher.Apartments: cheaper by 15-25%, often better location (business centers), modern infrastructure. Cons of apartments: you can not register, taxes and utilities are higher, there is no mandatory social infrastructure. An apartment is provided for permanent residence of a family with children. For an investment, a young specialist without children, an office apartment may be more profitable.

How do I sell my apartment before buying a new one?

Procedure of actions:1)rate the apartment (realtor or online services),2)prepare for sale (cleaning, minor repairs, homesteading),3)take high-quality photos,4)place an ad on NATUMBE.KZ and other sites,5)run the screenings,6)bargain and sign a preliminary agreement. The sale period is from 2 weeks (good price, liquid object) to 6+ months (overpriced, complex object). The alternative —trade-infrom the developer: you rent your apartment as part of the payment for a new building, often with an additional payment and bonuses.

Is it possible to buy an apartment in another city remotely?

Yes, this is a common practice. Tools:video reviewsin real time,electronic registrationtransactions (through a bank or Rosreestr with EDS),attorneyto a representative in another city,secure calculationsthrough a letter of credit. Mandatory: professional on-site legal check, seller check, photo and video recording of the apartment condition. The risks are higher than with a personal purchase, so work only with trusted realtors and lawyers.

What should I do if there are hidden defects after purchase?

If the defects were intentionally hidden by the seller —you can challenge the deal in court.and demand a reduction in the price or termination of the contract. It is important to prove that the defect existed before the purchase, the seller knew about it, did not inform you. The limitation period is 3 years from the date of discovery. The developer's warranty is valid for new buildings (usually 5 years for construction, 3 years for engineering). The best protection is a thorough pre—purchase check and title insurance.

🏠 Find your ideal apartment in {region.in }

0 listings relevant ads from owners and trusted agencies. Expert support, secure transactions, savings of up to 15% of the market price. Your new home is waiting for you.

Note: This article is for informational and recommendation purposes only. NATUMBE.KZ is a platform for posting real estate ads and is not responsible for the terms of specific transactions. We strongly recommend that you hire professional lawyers and realtors to support real estate transactions. Prices and conditions are estimated for September 2026 and are subject to change. Consult with independent experts before making financial decisions.
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