Car loan standard
Benefits
Conditions
Target audience | Individuals – residents of the Republic of Kazakhstan | |
Loan purpose | In all car dealerships of the Republic of Kazakhstan | |
Loan term | 3 – 84 months (up to 7 years) | |
Interest rate (with fee) | With full income confirmation 23,0% per annum (AEIR* from KZT 26,2%) | With partial income confirmation 25% per annum (AEIR* from KZT 28,8%) |
| Interest rate (with no-fee) | 30,5% (AEIR min. 35,1%) | |
Loan currency | KZT | |
Loan amount | depending on the Applicant's financial capacity | |
Down payment | For salary clients 0%** | All clients 20% |
Documentary proof of income | - Documentary proof of income is not required:at down payment of min. 60% of cost of vehicle to be purchased - Documentary proof of income is required: at down payment of up to 60% of cost of vehicle to be purchased | |
Collateral | purchased vehicles | |
Insurance (types and procedure) | Insurance of the Borrower against accident and insurance of the collateral is carried out by the Bank. | |
Fees*** | - for loan entry to the current account – 1% of the loan; for loan arrangement – KZT 20,000 | |
* AEIR calculation is subject to the average value determined by Independent Appraisal Commission. AEIR exact calculation is made at the time of the loan issuance in the Bank's branches.
** Not applicable to applicants, who have at least 6 months’ proceeds to the Applicant’s account opened with Halyk Bank – proof of income is required.
***By the form a loan "Without the commission" the commission isn't provided
How to apply
Contact any branch of the bank, or call 7111
Do not forget your identity document