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

Online loan at Halyk up to KZT 7,000,000
• On the Home, choose “Loans”, then “Online Loan”
• Enter the amount, period, and click “Next”
• Complete the facial verification procedure and scan your ID
• Sign the contract via Halyk EDS
• Fill out a short questionnaire and click “Next”
• Choose the loan solution available to you and click “Confirm loan receipt”
• Confirm loan receipt with a code from SMS
Congratulations! In case of approval, the funds will be credited to your card.

Applications for an online loan are accepted every day until 9:00 PM.

Yes, Halyk Bank, together with its partners, has launched the possibility of instant purchasing goods in installments or credit via Halyk app.
Shop for goods in the retail or online stores of the Bank's partners and apply for online installments in the Halyk app:
• Choose a product in the store and get an order number
• On the Home of Halyk, click "Installments"
• Choose a store and enter the order number
• Check the chosen products and amount, specify the period and click "Continue"
• Read the terms and conditions and provide 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, as in any outlet of the Bank, and in the Halyk app.

In the Halyk app, this option is available without fees:
1) Open Halyk
2) In the Home, choose “Repay” - “Cash Loan”
3) Click on “Early Repayment”
4) Next, choose the type of operation “Full” or “Partial” early loan repayment
5) When choosing partial early repayment, you are given the option 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 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 a repayment for an unsecured loan at Bank outlet.

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

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

1. Pay your loan in Halyk app:
• Open Halyk
• Click "Repay" on the Home
• Choose the loan you want to repay
• Click "Repay"
• Choose a card or account to pay from and enter the payment amount
• Confirm the payment
Attention! Repaying your monthly payment is available on Android smartphones (version 5.4.2 and higher) and iOS (version 5.5.2 and higher). You can make a payment for 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) Transferring in Halyk app:
- from a Halyk account or card with no fees
- from a card of another bank
3) Replenishments:
• via ATM with Cash-In function:
- with a card: insert the card into the ATM and enter your PIN - “Cash Deposit” - deposit funds
- without a card: press any button on the ATM - “Deposit to Card” - enter the card number – deposit funds
• via a payment terminal: choose functions - “Banking Operations” - “Replenishing Cards and Accounts” - “Card replenishment” - then enter your IIN and the last 4 digits of the card – deposit the amount
• without fees via the bank’s payment terminals
• via the cash desk at outlets

Payments under the Agreement should 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 completed 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 assessment organizations.
The secondary valuation is performed by the Assessment 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 opened mortgage centers in Almaty at the following addresses:
• No.175, Auezov Str., Bostandyk District, Almaty, 175, +7 727 259 00 00 (ext. 08473, 08478, 08471)
• No.101, Tole bi Str., Almaly District, Almaty, 101, +7 727 259 00 00 (ext. 07724, 02763, 08698)
The center’s specialists will help you choose suitable housing and guide you via the entire mortgage process on the best terms and conditions.

In accordance with the requirements of the Legislation, in case of overdue debt, the Bank has the right to issue a payment demand and enforce it within the limits of the Law, up to 50% of the funds received into the customer’s account. At the same time, the amount of money kept in the customer’s current account shall be at least equal to the living wage.

In this regard, in the event of overdue debt, the Bank will issue a payment demand 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 demand, the Bank will not be able to enforce the document, as it shall debit no more than 50% of the balance/receipt, including keeping at least the living wage amount in the account.

To fully repay the debt, the customer needs to arrange a standing order for repayment of the overdue debt. You can arrange the order in the web version of Halyk, via payment terminals, and at the Bank’s outlets.

After arranging this document, it will be sufficient to ensure that there are funds in the current account at the Bank in the amount of the debt (control for the living wage is not performed).

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, please visit the nearest Halyk Bank outlet.