With Halyk app, you can apply for an online loan of up to KZT 7,000,000 without visiting the Bank outlet.

Online loan at Halyk of up to KZT 7,000,000
• On the main screen, select “Loans”, then “Online Loan”
• Enter the amount, term, and tap “Next”
• Complete the facial recognition procedure and scan your ID
• Sign the agreement via Halyk Digital Signature
• Fill out a short application and tap “Next”
• Select the loan option available to you and tap “Confirm the Loan”
• Confirm the loan with a code from SMS
Congratulations! If approved, the funds will be credited to your card.

Online loan applications are accepted every day until 9:00 PM.

Yes, Halyk Bank, together with its partners, has launched the possibility of instant application for goods in installments or on credit through Halyk mobile app.
Purchase goods in the retail or online stores of the Bank's partners and apply for online installment plan in Halyk app:
• Select a product in the store and receive an order number
• On the main page of Halyk, tap "Installments"
• Select the store and enter the order number
• Check the selected products and amount, specify the term and tap "Continue"
• Read the terms and conditions and put an Electronic Digital Signature (EDS) issued by the Bank
• Confirm your consent with a 4-digit code from SMS

You can find more details on the terms and conditions in the dedicated section of each product or on the Bank's website.

Yes, both at any outlet of the Bank, and in Halyk app.

In Halyk app, this option is available with no fees charged:
1) Open Halyk
2) In the main menu, select “Repay” - “Cash Loan”
3) Tap “Early Repayment”
4) Next, select the type of operation “Full” or “Partial” early loan repayment
5) When selecting partial early repayment, you are given the option to repay by reducing the term 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.
The minimum amount for partial early repayment is at least one monthly payment.

There are restrictions when making partial or early repayment of an unsecured loan at the Bank outlet.

You can find out your loan debt:
1. In the repayment schedule to the Bank Loan Agreement provided to you upon lending.
2. In Halyk app:
• Oustanding loan: “Accounts” - “Loans”
• Repayment schedule: tap the loan and see information with appropriate status.

To make your monthly loan payment, use one of the following methods:

1. Pay your loan in Halyk mobile app:
• Open Halyk
• Tap "Repay" on the home page
• Select the loan you want to repay
• Tap "Repay"
• Select a card or account for payment and enter the payment amount
• Confirm the payment
Attention! Making your monthly payment is available on Android smartphones (version 5.4.2 or higher) and iOS (version 5.5.2 or higher). You can make a monthly payment under one or multiple agreements of the same type.

2. When replenishing your account or card to repay your loan, the amount will be automatically debited from your Halyk Bank account or card linked to the loan on the scheduled payment date. You can replenish your account or card by:
1) making a transfer in Halyk mobile app:
- from a Halyk account or card with no fee
- from a card of another bank
3) Replenishment:
• through an ATM supporing 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 - “Deposit to Card” - enter the card number – deposit funds
• through a payment terminal: select functions - “Banking Operations” - “Replenish Cards and Accounts” - “Replenish a Card” - then enter your IIN and the last 4 digits of the card – deposit the amount
• with no fees through the bank's payment terminals
• through the cash desk at outlets

Payments under the Agreement shall be made before 6:00 PM Astana time. If a payment under the Agreement is made after 6:00 PM Astana time, such payment will be considered made on the next business day.

Yes, Halyk Bank has its own mortgage lending program for the purchase of primary and secondary housing.

The initial valuation of collateral is performed by independent appraisal organizations.
The secondary valuation is carried out by the Appraisal Service of the Branches with a site visit to the location of the collateral to determine the adequacy of the independent appraiser’s valuation.

Halyk Bank mortgage centers in Almaty are located at the following addresses:
• 175 Auezov Str., Bostandyk District, Almaty, +7 727 259 00 00 (ext. 08473, 08478, 08471)
• 101 Tole Bi Str., Almaly District, Almaty, +7 727 259 00 00 (ext. 07724, 02763, 08698)
The center’s specialists will help you select suitable housing and guide you through the entire mortgage process on the best terms.

In accordance with the requirements of the Legislation, in the event of overdue debt, the Bank shall be entitled to issue a payment order and enforce it in accordance with the Law up to a maximum of 50% of the funds received into the customer’s account. At the same time, the amount of money retained in the customer’s current account shall be no less than the minimum living wage.
In this regard, in the event of overdue debt, the Bank shall issue a payment order for current and card accounts in the amount of the overdue debt.
However, if the customer ensures that there are sufficient funds in the account to fulfill the payment order, the Bank will not be able to enforce the document, as it shall debit no more than 50% of the balance/funds received, including retaining an amount in the account of at least the minimum living wage.
To fully repay the debt, the customer needs to set up a standing order for repayment of the overdue debt. This can be arranged via Halyk web version, through payment terminals, and at the Bank outlets.

After this document is ec=xecuted, it will be sufficient to ensure that funds are available in the current account with the Bank in the amount of the debt (no control for the mnimum living wage is required).

Yes, the bank offers refinancing for loans from other banks, provided there is no overdue debt on the loan. You can consolidate multiple loans and pay less.

To refinance your loan, please visit the nearest Halyk Bank outlet.