• Loan amount – up to KZT 7,000,000
• Loan period – up to 5 years
• Lending is also available to self-employed individuals, military personnel, and pensioners
• Refinancing of an existing unsecured loan from Halyk Bank
• Refinancing of loans from other second-tier banks
• Partial and full early repayment via Halyk App without fees

1. Consumer purposes – without tracking the target use of the loan;
2. Refinancing (external/internal) with the possibility of receiving an additional amount. However, tracking the target use of the loan is compulsory for external refinancing.

Self-employed individuals – a person who is not an individual entrepreneur and provides services only to individuals. They do not have an employment agreement with an employer, hired employees, and are not registered as unemployed.

Age requirements:
• from 21 to 63 at the time of loan repayment.

Employment history requirements:
• at least 3 months of employment history at your current job.

The minimum average monthly income is from KZT 28,000. In each specific case, a decision is made individually and depends on the quality of your credit history and your solvency.

• ID of the citizen of the Republic of Kazakhstan / passport of the citizen of the Republic of Kazakhstan (original)
• Residence permit for a foreigner in the Republic of Kazakhstan (original)
• For military personnel – statement from current/card account with STB for the last 6 months

At the same time, the Bank reserves the right to request additional documents.

Loans are issued by transferring funds to a Halyk Bank card

You can find out the loan debt:
1. In the repayment schedule for the Bank Loan Agreement issued to you during the lending
2. In the Halyk app:
• The amount of the remaining loan debt: the "Accounts" section, the "Loans" block
• Repayment schedule: When you click on the loan, information with the corresponding statuses is available

Pay your loan on time in Halyk app, or before the scheduled date, to avoid delinquency and protect your credit history. To make a monthly payment, you need to:
• Open Halyk
• Tap "Repay" on the home page
• choose the loan you want to pay
• Tap "Pay monthly payment"
• choose a card or account to pay from and enter the payment amount
• Confirm the payment
Attention! Halyk loan repayment is available from 09:00 a.m. to 06:00 p.m. Monthly payment repayment is available on Android smartphones (version 5.4.2 or higher) and IOS (version 5.5.2 or higher).

Additionally:
1) You can only make a monthly payment for one loan at a time.
2) If you pay more than the scheduled amount for your monthly payment, the remaining funds will stay in your prepayment account to cover the next monthly payment according to the schedule.
3) In case of full loan repayment, any excess funds in your prepayment account will be automatically transferred to your current account.

Payments under the Agreement shall be made before 6 p.m. Astana time. If the payment under the Agreement is made after 18:00 Astana time, such payment will be considered completed on the next business day.
On the day of payment according to the schedule, the amount is debited automatically from the Halyk Bank account or card.
You can replenish your account or card:
1) Transfer in Halyk app to an account or card without fees
2) Via an ATM with a Cash-In function:
- with a card: insert the card into the ATM and enter the PIN code - "Cash deposit" - deposit the money
- without a card: press any ATM button - "Card deposit" - enter the card number – deposit the money
3) Via Halyk Bank payment terminal: choose the functions - "Banking operations" - "Replenishment of cards and accounts" - "Replenishment of the card" - then enter IIN and the last 4 digits of the card – deposit the amount
4) Via the cashier in the outlets
5) No fees via payment terminals

For delays of up to 90 days - 0.5% of the overdue payment amount for each day of delay.

Yes, as in any outlet of the Bank, and in the Halyk app.

In the Halyk app, this option is available without fees:
1) Open Halyk
2) In the Home, choose “Repay” - “Cash Loan”
3) Click on “Early Repayment”
4) Next, choose the type of operation “Full” or “Partial” early loan repayment
5) When choosing partial early repayment, you are given the option to repay by reducing the period or reducing the payment amount
6) Follow the on-screen instructions
7) Check and confirm the payment
8) Confirm your consent with a code from SMS
9) You can track the status of the application in the history section

Partial and full early repayment in Halyk is available from 09:00 to 19:00 every day, except for weekends/holidays when a scheduled payment falls on that day.
The minimum amount for partial early repayment is at least one monthly payment.

There are restrictions when making a repayment for an unsecured loan at Bank outlet.

Partial and full early repayment can be made Via Halyk app without fees or penalties.
1) Open Halyk
2) In the home page, choose “Repay Loan” - “Mortgage”
3) Click “Early Repayment”
4) Then, choose the type of transaction: “Full” or “Partial” early repayment of the loan
5) Follow the on-screen instructions
6) Check and confirm the payment
7) Confirm your consent with the code from SMS
8) You can track the application status in the history section

The updated payment schedule is available in electronic format in Halyk app under “Loans”.

Partial early repayment is unavailable in Halyk app in the following cases:
• on the day the loan is received;
• if a payment deferral is in effect for the loan;
• on weekends and holidays for loans where the scheduled payment falls on a weekend/holiday.

Full early repayment is unavailable in the following cases:
• on the day the loan is received;
• on weekends and holidays for loans where the scheduled payment falls on a weekend/holiday.

ATTENTION!
• for partial early repayment, you can choose a method for all types of loans – either to reduce the monthly payment amount or to shorten the loan term.
• when making a full early repayment of secured loans, you need to contact a bank outlet to obtain documents for the collateral.
• partial early repayment of secured loans is not possible online if there is a co-borrower on the loan; in this case, customers need to contact a bank outlet.
• partial early repayment does not exclude the scheduled payment for the current month.
• the amount deposited into the prepayment account before the scheduled payment is due at the time of early repayment will be reflected in the “Already Replenished” line and will be used for early repayment. After partial early repayment, you need to replenish the amount of the scheduled payment again to repay the loan for the current month.
• available from 09:00 a.m. to 07:00 p.m.
• the minimum amount for partial early repayment is at least one monthly payment.

"When repaying via the Bank's outlets, a standard fee is charged in accordance with the Bank's established tariffs:

1) Terms and conditions for loans issued for a period of up to 12 months:
• if repaid up to 6 months from the date of receipt of the loan, a fine of 0.1% of the loan amount (but not less than KZT 3,000) will be charged
• for repayment after 6 months from the date of receipt of the loan - KZT 0

2) Terms and conditions for loans issued for a period of more than 12 months:
• for repayment up to 12 months from the date of receipt of the loan, a fine of 0.1% of the loan amount (but not less than KZT 3,000) is charged
• for repayment after 12 months from the date of receipt of the loan - KZT 0

The minimum amount of partial early repayment is at least one monthly payment.