Cumulative Mortgage: Updated Terms

A savings mortgage is a simple and straightforward way to purchase a home.

With this program, you build up your down payment in stages and then receive a mortgage on preferential terms.

🔹 How does it work?
1️⃣ First, you accumulate 30% of the home's value in a special account at Eldik Bank (minimum 6 months).
If you already have the funds, the term is reduced to 3 months.

2️⃣ The bank adds another 20% as a loan
— at 10% per annum, for up to 5 years.

3️⃣ This forms the down payment of 50%.
The remaining amount is issued through the State Mortgage Company:
— at 8% per annum
— for up to 15 years.

🔹 Program advantages:
✔ State support
✔ Opportunity to purchase a home during the construction phase
✔ Accumulation mechanism without collateral
✔ Transparent and clear terms

🔹 Terms:
— Down payment: from 50%
— Interest rate: 8%
— Term: up to 15 years
— State program "My Home"

📲 How to apply?
Submit an online application through the "TUNDYK" mobile app.

You can open a savings account in the Eldik app.

Don't put off buying a home—get started today!