Halyk Info
Refinancing is the process of taking out a new loan at Halyk to fully repay your existing mortgage loan at another bank.
Mortgage loans of any second-tier banks of the Republic of Kazakhstan, with the exception of Otbasy Bank JSC and Altyn Bank JSC.
No, only a mortgage loan from another second-tier bank is eligible for refinancing.
Program advantages:
• Reduced burden - you can decrease the monthly payment and free up part of your budget.
• No limits on the refinancing amount
• Convenient period - up to 20 years
• Early repayment without fee and moratorium
• Reduced burden - you can decrease the monthly payment and free up part of your budget.
• No limits on the refinancing amount
• Convenient period - up to 20 years
• Early repayment without fee and moratorium
• Maximum loan amount – the amount of the principal balance of the refinanced loan (without the possibility of additional funds)
• Maximum loan period - from 6 months to 240 months
• Interest rate - from 19.5% to 22.5% (AEIR - from 21.59% to 25.00%*)
• Fees for:
- application review - 0%
- loan arrangement - 1% of the loan amount
- crediting of the loan to the account - 0%
* set individually, the final calculation of the AEIR is made at the time the loan is received
• Maximum loan period - from 6 months to 240 months
• Interest rate - from 19.5% to 22.5% (AEIR - from 21.59% to 25.00%*)
• Fees for:
- application review - 0%
- loan arrangement - 1% of the loan amount
- crediting of the loan to the account - 0%
* set individually, the final calculation of the AEIR is made at the time the loan is received
• only one mortgage loan is refinanced;
• one collateral object (real estate) should serve as security;
• loans from Otbasy Bank JSC and Altyn Bank JSC are not eligible for refinancing.
• one collateral object (real estate) should serve as security;
• loans from Otbasy Bank JSC and Altyn Bank JSC are not eligible for refinancing.
• certificate of loan indebtedness from a second-tier bank;
• bank loan agreement and payment schedule for the current loan;
• copies of title documents for the real estate.
• bank loan agreement and payment schedule for the current loan;
• copies of title documents for the real estate.
• Submit an application at any Halyk outlet
• Receive a preliminary calculation of the new payment and a decision on the amount
• Receive a preliminary calculation of the new payment and a decision on the amount
The application review takes up to 5 working days after the full set of documents is provided.
No. The program is designed for the refinancing of only one mortgage loan.
Yes, it is necessary to personally visit the bank where the refinancing loan was issued in order to deliver the request from Halyk and receive a response letter from the bank.
No, visiting the PSC is not required.
After the application is approved, the following shall be submitted to the manager:
1. Real estate appraisal report.
2. A notarized consent from the applicant stating that they were not/are not married at the time the property was pledged as collateral, or a notarized consent from the pledgor's spouse to provide movable/immovable property as security and for the out-of-court sale of the collateral.
1. Real estate appraisal report.
2. A notarized consent from the applicant stating that they were not/are not married at the time the property was pledged as collateral, or a notarized consent from the pledgor's spouse to provide movable/immovable property as security and for the out-of-court sale of the collateral.
No, for apartments, it is not necessary to submit the original title documents. An exception is made for refinancing transactions of loans secured by residential houses — in this case, the original documents shall be submitted to the bank.