Almaty. October 13. Information Center - Kazakhstan
ranked 29 in overall list and the first among CIS countries. Among the leading
countries with the highest level of digitalization are Denmark, South Korea,
Estonia, Finland, Australia, Sweden, the United Kingdom, New Zealand, the
United States and the Netherlands, The Astana Times Reports.
UN research examined the E-Government Development Index of
193 countries for 2020. The index includes three average indicators: the range
and quality of online services, the level of telecommunication infrastructure
development and the amount of human capital.
In the course of the study, researchers reviewed and tested
the following stages of mortgage acquisition: application – prior approval –
housing assessing – decision – transaction processing – documents signing –
deposit registration – mortgage granting – after-sale maintenance.
All stages of mortgage loan except for the latter are
digitized in Kazakhstan. The last one, which implies signing a sales contract
with a notary, can not be completed remotely due to current national legislation.
Paper documents are not required because the system collects
them itself from government databases, while real estate is assessed online,
and the deposit is registered remotely, with the electronic digital signature
released later in the process.
In comparison, the digitalization level of mortgage products
in Finland, South Korea, Sweden and the U.S. stands at a little more than 30
percent, in Great Britain – 55 percent.