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

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.

The minimum total average monthly income should be from KZT 60,000

No work experience is required.

ID

Under this program, you can purchase any car you like at the car dealerships of Astana Motors/Mycar, Allur, Orbis, Doscar, and Aster auto partners.

1 minute

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.

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.

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.

When repaying Via Bank outlets, a standard fee is charged in accordance with the Bank's established tariffs:

1) Terms for loans issued for a term of up to 12 months:
• when repaying within 6 months from the date of loan disbursement – a penalty of 0.1% of the loan amount is charged (but not less than KZT 30,000)
• when repaying after 6 months from the date of loan disbursement – KZT 0

2) Terms for loans issued for a term of over 12 months:
• when repaying within 12 months from the date of loan disbursement – a penalty of 0.1% of the loan amount is charged (but not less than KZT 30,000)
• when repaying after 12 months from the date of loan disbursement – KZT 0