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 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
• 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
Loans are provided for the purchase of primary housing – residential real estate for which ownership is registered for the first time upon its acquisition from a developer (customer)/ construction investor/ local executive authority or other legal entities selling housing on behalf of the developer, customer, construction investor, or local executive authority.
Acquired housing
The collateral value is determined by the lower of the following:
• the value determined by an independent appraiser
• the value determined by the Bank
• the purchase price of the housing
• the value determined by an independent appraiser
• the value determined by the Bank
• the purchase price of the housing
Maximum cost of purchased housing:
• KZT 30,000,000 for Astana, Almaty, Aktau, Atyrau, and Shymkent
• KZT 25,000,000 for Karaganda
• KZT 20,000,000 for other regions
• KZT 30,000,000 for Astana, Almaty, Aktau, Atyrau, and Shymkent
• KZT 25,000,000 for Karaganda
• KZT 20,000,000 for other regions
Minimum borrower requirements:
• Citizenship of Kazakhstan
• No property ownership
• No outstanding debt on mortgage loans
• Purchase of only primary housing* (no restrictions on the choice of Housing Complex)
• Only the borrower can act as the guarantor
*Real estate object for which ownership is registered for the first time upon its purchase from the developer (customer) or other legal entities selling housing from the developer (customer).
More detailed information is available at Bank outlets.
• Citizenship of Kazakhstan
• No property ownership
• No outstanding debt on mortgage loans
• Purchase of only primary housing* (no restrictions on the choice of Housing Complex)
• Only the borrower can act as the guarantor
*Real estate object for which ownership is registered for the first time upon its purchase from the developer (customer) or other legal entities selling housing from the developer (customer).
More detailed information is available at Bank outlets.
The Applicant’s age shall be between 21 and 63 years old at the time of loan repayment.
No work experience is required.
The Applicant’s age shall be between 21 and 63 years old at the time of loan repayment.
7 business days
There are no fees under this program.
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.
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.
To obtain documents related to the collateral goods after full early repayment of secured loans, mortgages, or auto loans, please contact a bank outlet.
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.
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.