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.

• 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

1. Via Halyk app:
• Log in to Halyk app
• Go to the "Loans" section - "Ready-made Housing Mortgage"
• Clicking "Open" displays instructions, clicking "Learn more" displays mortgage terms and conditions
• choose "Halyk Mortgage" program from the list and complete the proposed Application. When chooseing the customer category:
- Individual Entrepreneur – you need to fill in the "Income under Simplified Tax Return" field
- Law Enforcement Officer – you need to specify the "monthly housing allowance"
• choose a branch
• After clicking "Next", you need to sign the documents with a code from SMS
• Receive a preliminary decision from the Bank
• If you are married, fill in your spouse’s details, after which your spouse will receive a notification in Halyk app to sign consents
• Next:
- wait for a call from the manager
- prepare documents and visit a bank outlet
• Sign the Pledge Agreement and Loan Agreement at the Bank outlet.

IMPORTANT! Only a preliminary decision is accepted in Halyk app.

2. You can also submit an application via a bank outlet.

Purpose of mortgage lending:

• Acquisition of completed real estate and land plots for individual housing construction
• Acquisition of under-construction real estate
• Individual construction (completion of construction) and renovation of residential real estate for non-commercial use

The Applicant’s age shall be between 21 and 63 years old at the time of loan repayment.

No work experience is required.

Yes, the minimum combined average monthly income should be:
1) For participants in the salary project:
• For Astana, Almaty, Atyrau, and Aktau - KZT 200,000 with a down payment of 40% or more;
• For Astana, Almaty, Atyrau, and Aktau - KZT 300,000 with a down payment of 20% or more;
• For all other cities - KZT 150,000 with a down payment of 20% or more.
2) For non-participants in the salary project:
• For Astana, Almaty, Atyrau, and Aktau - KZT 200,000 with a down payment of 50% or more;
• For Astana, Almaty, Atyrau, and Aktau - KZT 300,000 with a down payment of 30% or more;
• For all other cities - KZT 150,000 with a down payment of 30% or more.

• statement from the cumulative pension fund for the last six months
• salary certificate for the last six months. However, if the applicant is a participant in a “salary project,” the Bank may calculate solvency based on the applicant’s account statement for the last 6 months, without the applicant providing an additional salary certificate.

The Bank reserves the right to request additional documents.

• 0% – when providing additional collateral;
• 10% – of the value of the purchased property for employees of Companies that have concluded a Cooperation Agreement (funding) with the Bank;
• 20% – of the value of the purchased property for all customers.

Minimum requirements depend on the type of loan. Each application is reviewed individually.
To apply for a loan, you should have an identity document (if necessary, the manager may request additional documents).

7 business days

Not less than the amount of three monthly payments.

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.

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.

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 partially or fully repay your loan early in Halyk app without fee, or at a Bank Center for Post-Sales Service with fee charged in accordance with the tariffs. You can find the addresses on the website halykbank.kz and by contacting 7111.

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.

No fee.

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

To refinance, please visit the nearest Halyk Bank outlet.

If you have a missed mortgage payment, you need to find out the amount overdue. You can check the amount due in Halyk.

A second loan is issued subject to creditworthiness and collateral.

To obtain documents related to the collateral goods after full early repayment of secured loans, mortgages, or auto loans, please contact a bank outlet.

Insurance of the collateral is carried out at the expense of the Bank. Personal (life/accident) insurance is carried out with the borrower's consent.