Yes, Halyk Bank provides the possibility of refinancing both existing unsecured loans of the Bank and other second-tier banks via:
• Halyk app
• Bank outlet

Refinance your loans at Halyk Bank and pay less.
• Reduce your monthly payment
• Receive an additional amount
• Convenient repayment

Favorable lending terms
• Maximum loan amount – KZT 7,000,000
• Maximum loan period – 60 months
• You can apply for a loan:

• Refinancing of loans from Halyk Bank and other banks
• Eligible applicants:
- customers receiving salaries to Halyk Bank cards, including military personnel;
- customers not receiving salaries to Halyk Bank cards;
- pensioners receiving pensions to Halyk Bank cards;
- self-employed individuals (individual who is not an individual entrepreneur and provides services only to individuals. Does not have an employment agreement, hired employees, and is not registered as unemployed)

* is determined individually, the final Annual Effective Interest Rate is performed at the time of loan disbursement.

In Halyk app:
1. Home - “Loans” - “Refinancing” - “Open”
2. Enter the amount you want to receive, excluding the amount for refinancing existing loans, the period, and click “Next”
3. Fill out a short application form (when this screen appears) and click “Next”
4. From the list of loans offered, choose the loans you want to refinance. The amount for refinancing loans will be added to the amount specified in the application.
5. Click “Next”
6. If necessary, the system will prompt you to fill out an additional application form, where you need to choose your employment type – self-employed, and choose your activity from the drop-down list.
7. Read the decision and choose the date for your monthly payment.
8. Choose a card for crediting funds.
9. Review the loan documentation and sign the documents using an Electronic Digital Signature (EDS) issued by the Bank.
10. If you agree, click “Confirm Loan Receipt.”
11. Confirm the refinancing with a code from SMS.

Done!

Attention!
• Loan applications are accepted until 21:00 every day.
• To apply, you need a Halyk Bank card. In case you don’t have one, open an instant digital Halyk Bonus Digital card: Home - “Cards”
• If the funds are used for purposes other than those stated, the bank has the right to charge a penalty in accordance with the terms and conditions of the agreement.

To apply for a refinance in Halyk app, you need a Halyk Bank card. In case you don’t have one, open an instant digital Halyk Bonus Digital card. To do this, choose “Cards” on the app’s Home and choose the Halyk Bonus Digital card.
Upon approval of the refinance loan, the amount of loans not subject to refinance will be credited to the card you specified.

According to the terms and conditions of the agreement, Halyk Bank has the right to charge a penalty of 10% for the use of credit funds for purposes other than those specified.
After receiving a loan for refinancing debt from another second-tier bank, Halyk Bank will send a PUSH notification regarding the need to repay the second-tier bank’s loan.

!!!For misuse of loan funds provided by the Bank for the purpose of refinancing other consumer loans of the borrower, the Bank has the right to charge the borrower a penalty in the amount of 10% (ten percent) of the Loan amount used for purposes other than those intended.

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

The monthly payment amount will be debited automatically on the payment date according to the schedule from your Halyk Bank card.
You can deposit funds into a special account from which the automatic debit will be made on the payment date according to the schedule.
To make a monthly payment, you need to:
• Open Halyk
• On the Home, click on “Make a payment”
• Choose the loan for which you want to make a payment
• Click on “Make monthly payment”
• Choose a card or account for payment and enter the payment amount
• Confirm the payment
Attention! Halyk loan repayment is available from 09:00 to 18:00. 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) In case you deposit more than the scheduled payment amount for the monthly payment, the remaining funds will remain in your prepayment account for the repayment of the next monthly payment according to the schedule.
3) In case of full loan repayment, any excess amount in the prepayment account will be automatically transferred to your current account.

Partial and full early repayment is available in Halyk app without fees or penalties.
1) Open Halyk
2) In the Home, choose “Repay Loan” - “Cash Loan”
3) Click “Early Repayment”
4) Next, choose the operation type “Full” or “Partial” early loan repayment
5) When choosing partial early repayment, you can choose 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 the code from SMS
9) You can track the application status in the history section

Partial early repayment is unavailable in the 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 a loan where the scheduled payment falls on a weekend/holiday.

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

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

ATTENTION!
• for partial early repayment, you can choose a method of partial early repayment for all types of loans – by reducing the monthly payment amount or by reducing the loan term.
• partial early repayment does not exclude the scheduled payment for the current month.
• the amount deposited into the prepayment account before the scheduled payment at the time of early repayment is reflected in the “Already Replenished” line and will be used for early repayment. After partial early repayment, you shall again ensure the amount of the scheduled payment to repay the loan for the current month.
• available from 09:00 to 19:00
• the minimum amount for partial early repayment is at least one monthly payment.