No more need to stand in line with a loan manager. Use the new online shopping service from Halyk Bank: purchase instantly in installments or on credit without visiting a bank outlet.
1. Installment interest rate – 0%, loan interest rate – from 29% to 37% (Annual Effective Interest Rate from 32.8% to 43.9%) (determined individually)
2. Period:
• Installments – 3, 6, 12 months
• Loan – 6, 12, 24, 36, 48, 60 months
3. Maximum amount:
• Installments - up to KZT 2,000,000
• Loan - up to KZT 6,000,000
4. Fee free
5. Partial early repayment - no fees in Halyk app (in the amount of at least one payment)
6. Full early repayment - no fees in Halyk app

• Interest-free installment plan with no overpayments
• Loan – up to 60 months
• Maximum amount – up to KZT 6,000,000
• Online application without contacting a credit manager
• Installment purchases are available at Sulpak’s online and offline stores
• No fees
• Partial/full early repayment is available in Halyk app without fees

You can purchase products both in the online store www.sulpak.kz without visiting a store, and in Sulpak retail stores in your city.

•
• ID card/ residence permit
• possession of a mobile phone

No work experience is required.

It depends on the income received and the customer's solvency, while the Bank provides for the requirement of the Republic of Kazakhstan Law regarding not exceeding the interim minimum.

The minimum loan/installment amount is KZT 4,000, and the maximum amount is KZT 6,000,000. However, the calculation of the maximum amount for each customer is individual.

Yes, consumer loan are eligible for refinancing both at Halyk Bank and at STB. We do not recommend refinancing installment plans, as there are no overpayments or interest charges on installment plans.

In case of a payment default on a scheduled payment, in accordance with the terms and conditions of the Bank Loan Agreement, a penalty will be charged at a rate of 0.5% per day of the debt amount.

ATTENTION! A payment default affects your credit history and may negatively impact your ability to obtain a loan in the future.

The guarantee period depends on the type and brand of the chosen product.
You can find the exact guarantee period in the store, or directly when receiving the product.