Halyk Info
Key terms and conditions:
1) Loan currency – KZT
2) Loan amount – up to KZT 7,000,000
3) Loan term – from 6 to 60 months
The loan can be applied:
- remuneration rate from 14% to 38% (Annual Effective Interest Rate from 24.3% to 45.3%)*
* determined individually, the final calculation of the Annual Effective Interest Rate is performed at the time of loan disbursement.
1) Loan currency – KZT
2) Loan amount – up to KZT 7,000,000
3) Loan term – from 6 to 60 months
The loan can be applied:
- remuneration rate from 14% to 38% (Annual Effective Interest Rate from 24.3% to 45.3%)*
* determined individually, the final calculation of the Annual Effective Interest Rate is performed at the time of loan disbursement.
• loan period – up to 5 years
• online without visiting outlet and without queue
• loan decision – 5 minutes
• lending is also available to self-employed individuals, military personnel, and pensioners
• partial and full early repayment in the Halyk app without fees
• refinancing of loans from Halyk Bank and other banks
• lending is available to pensioners and military personnel receiving salaries to Halyk Bank cards
• online without visiting outlet and without queue
• loan decision – 5 minutes
• lending is also available to self-employed individuals, military personnel, and pensioners
• partial and full early repayment in the Halyk app without fees
• refinancing of loans from Halyk Bank and other banks
• lending is available to pensioners and military personnel receiving salaries to Halyk Bank cards
1. Consumer purposes – without tracking the target use of the loan;
2. Refinancing (external/internal) with receipt of an additional amount. In this case, tracking the target use of the loan is compulsory.
2. Refinancing (external/internal) with receipt of an additional amount. In this case, tracking the target use of the loan is compulsory.
Age requirements:
• from 21 and 65 at the time of loan repayment.
Employment history at your current job shall be:
• At least 3 months – for participants in the salary project
• At least 4 months – for non-participants in the salary project.
• from 21 and 65 at the time of loan repayment.
Employment history at your current job shall be:
• At least 3 months – for participants in the salary project
• At least 4 months – for non-participants in the salary project.
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.
The minimum average monthly income is from KZT 30,000. In each specific case, a decision is made individually and depends on the quality of your credit history and your solvency.
The documents required to submit an application are an identity document of the customer (original).
The Bank reserves the right to request additional documents.
The Bank reserves the right to request additional documents.
Loans are issued by transferring funds to a Halyk Bank card.
Information on debt and the repayment schedule is available in the Halyk app.
• Remaining loan balance: “Accounts” section, “Loans” block
• Repayment schedule: click on the loan and see information with appropriate status
• Remaining loan balance: “Accounts” section, “Loans” block
• Repayment schedule: click on the loan and see information with appropriate status
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.
• 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.
On the payment due date according to the schedule, the amount will be automatically debited from your Halyk Bank account or card.
You can repelnish your account or card in the following ways:
1) By transfer in the Halyk app from an account or card with no fees.
2) Via an ATM with a Cash-In function:
- with a card: insert the card into the ATM and enter your PIN code - “Cash Deposit” - deposit funds
- without a card: press any button on the ATM - “Card Deposit” - enter the card number – deposit funds
3) Via Halyk Bank payment terminal: choose functions - “Banking Operations” - “Card and Account repleinishment” - “Card replenishment” - then enter your IIN and the last 4 digits of the card – deposit the amount
4) Via cash desk at outlets
5) Without fees via payment terminals.
Payments under the Agreement shall be made before 18:00 Astana time. If a payment under the Agreement is made after 18:00 Astana time, such payment will be considered completed on the next business day.
You can repelnish your account or card in the following ways:
1) By transfer in the Halyk app from an account or card with no fees.
2) Via an ATM with a Cash-In function:
- with a card: insert the card into the ATM and enter your PIN code - “Cash Deposit” - deposit funds
- without a card: press any button on the ATM - “Card Deposit” - enter the card number – deposit funds
3) Via Halyk Bank payment terminal: choose functions - “Banking Operations” - “Card and Account repleinishment” - “Card replenishment” - then enter your IIN and the last 4 digits of the card – deposit the amount
4) Via cash desk at outlets
5) Without fees via payment terminals.
Payments under the Agreement shall be made before 18:00 Astana time. If a payment under the Agreement is made after 18:00 Astana time, such payment will be considered completed on the next business day.
Yes, as at any outlet of the Bank, and in the Halyk app.
In the Halyk app, this option is available without any 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.
When making partial or full early repayment of an unsecured loan at a Bank branch, there are restrictions:
1) Terms and conditions for loans issued for a period of up to 12 months:
• when repaying within 6 months from the date of loan disbursement - a penalty of 0.1% of the loan amount is charged (but not less than KZT 3,000)
• when repaying after 6 months from the date of loan disbursement - KZT 0
2) Terms and conditions for loans issued for a period of more than 12 months:
• when repaying within 12 months from the date of loan disbursement - a penalty of 0.1% of the loan amount is charged (but not less than KZT 3,000)
• when repaying after 12 months from the date of loan disbursement - KZT 0
In the Halyk app, this option is available without any 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.
When making partial or full early repayment of an unsecured loan at a Bank branch, there are restrictions:
1) Terms and conditions for loans issued for a period of up to 12 months:
• when repaying within 6 months from the date of loan disbursement - a penalty of 0.1% of the loan amount is charged (but not less than KZT 3,000)
• when repaying after 6 months from the date of loan disbursement - KZT 0
2) Terms and conditions for loans issued for a period of more than 12 months:
• when repaying within 12 months from the date of loan disbursement - a penalty of 0.1% of the loan amount is charged (but not less than KZT 3,000)
• when repaying after 12 months from the date of loan disbursement - KZT 0
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.
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.
The minimum amount of 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
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
For delays of up to 90 days - 0.5% of the overdue payment amount for each day of delay.
No.
When applying for an online loan, cancellation is possible based on a request submitted at a Bank outlet (within 14 days of the loan issuance).
• Refusal of the loan on the day of disbursement – borrower requests for loan return are accepted on weekdays from 09:00 to 17:00 Astana time. Requests are not accepted, and funds are not returned on weekends. The loan return is made without any fees;
• When returning the loan within 14 days of issuance – the fee paid for loan arrangement/insurance by the Bank is non-refundable.
• Refusal of the loan on the day of disbursement – borrower requests for loan return are accepted on weekdays from 09:00 to 17:00 Astana time. Requests are not accepted, and funds are not returned on weekends. The loan return is made without any fees;
• When returning the loan within 14 days of issuance – the fee paid for loan arrangement/insurance by the Bank is non-refundable.