1. Interest rate:
With fee:
Up to 23 months: 20% to 21.5% (AEIR of 23.88% to 35.00%)*
24 – 120 months: 23.5% to 25% (AEIR of 26.78% to 35.00%)*
No fee with a term of up to 120 months: rate of 28.5% to 30% (AER of 31.50% to 35.00%)*
2. Loan currency - KZT
3. Loan term - 6 to 120 months
4. Maximum loan amount - depending on the Applicant's solvency
5. Down payment - none
6. Fees:
• origination fee - 0%
• arrangement fee - 2% of the loan amount + KZT 20,000
• for crediting the loan to the account - 0%

*The final interest rate shall be determined on the date of submission of the loan application to the Bank outlet.

Real estate secured loan - don't put off what's important for later!
• within 5 business days
• loan term up to 10 years
• depending on the Applicant's solvency

1. Apply at any Halyk Bank outlet.
2. Bank specialists will perform all preliminary calculations and inform you of the approved amount.

Intended use – consumer purposes, without tracking the intended use of the loan*.

*Except for loans where the intended use shall comply with Resolution of the Management Board of the Agency of the Republic of Kazakhstan for Regulation and Supervision of the Financial Market and Financial Organizations No.49 dated 23 February 2007 "On Approval of the Rules for Maintaining Loan Documentation".

• Commercial/non-commercial real estate owned by an individual and meeting the Bank’s requirements.

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

At least 6 months.

Yes, the minimum total average monthly income shall be:
• for the cities of Astana, Almaty, Aktau, and Atyrau – KZT 200,000
• for all other cities – KZT 150,000

The application is considered within 5 business days.

Fees:
• origination fee - 0%
• arrangement fee - 2% of the loan amount + KZT 20,000
• for crediting the loan to the account - 0%
• for partial (full) early repayment at the Bank outlet and in Halyk app - none

Pay your loan on time in Halyk mobile 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
• Select the loan you want to pay
• Tap "Pay monthly payment"
• Select a card or account to pay from and enter the payment amount
• Confirm the payment
Attention! Halyk loan repayment is available from 9:00 a.m. to 6:00 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 monthly payment amount, 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 the prepayment account will be automatically transferred to your current account.

You can repay your loan:

• Through Halyk. Transfer funds from your card to the current account from which the loan amount will be automatically debited on the payment due date.
• Through a Payment Terminal
• Through ATMs with a Cash-In function
• Through the cashier at the nearest bank outlet

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

Partial and full early repayment can be made through Halyk app without fees or penalties.
1) Open Halyk
2) In the home page, select “Repay Loan” - “Mortgage”
3) Click “Early Repayment”
4) Then, select 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 mobile 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 is charged.