Halyk Info
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.
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
• 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.
• 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.
Loans are provided for the purchase of primary housing – residential real estate for which ownership is registered for the first time upon its acquisition from a developer (customer)/ construction investor/ local executive authority or other legal entities selling housing on behalf of the developer, customer, construction investor, or local executive authority.
Acquired housing
The Applicant’s age shall be between 21 and 63 years old at the time of loan repayment.
No work experience is required.
The Applicant’s age shall be between 21 and 63 years old at the time of loan repayment.
7 business days
Fees:
• for application review - 0%
• for crediting the loan to the account - 0%
• for application review - 0%
• for crediting the loan to the account - 0%
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.
• 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 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.
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.
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.
No less than one monthly payment amount.