Any state has its own strategic goals and objectives. For Kazakhstan one of the most important areas of social policy is to provide citizens with affordable and high-quality housing. Economic growth and social profile of the State are the basis for establishment of housing construction savings system (HCS) which is regulated by the Law of RK “On housing construction savings in RK” of “7” December 2000. "Otbasy bank" JSC is the only one bank in the country implementing housing construction savings system. HCS system is intended for improvement of housing conditions of people through attracting funds of depositors to housing construction deposits and granting them with housing loans.