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Primary housing from BAZIS-A

Mortgage for purchase of housing under construction. You can get a solution within 5 minutes in Halyk app without leaving your home

Benefits

down payment of at least 20%
down payment of at least 20%
without additional collateral
without additional collateral
primary housing
primary housing
Borrower requirements
  • citizenship of the Republic of Kazakhstan
  • proof of income 
  • 6-month track record at the last place of employment
  • from 21 to 63 years old at the moment repayment

Period of loan
from 6 months to 240 months
Down payment
at least 20%
Securityagainst the acquired housing
Interest rate (with fee)
from 17,5% before 20,5% (AEIR from 19,2% before 25%)*
Interest rate (with no-fee)
from 18,5% before 21,5% (AEIR from 19,5% before 25%)*
Application lead time7 business days

* The Bank reserves the right to request additional documents


A borrower - individual shall be liable for failure to fulfil obligations under the Bank Loan Agreement.

The Bank shall be entitled, if a borrower fails to fulfil obligations under the Bank Loan Agreement, to:

  • impose a forfeit (fine, penalty);
  • foreclose on funds available on borrower's bank accounts;
  • transfer debt for soft collection and pre-trial settlement to collection agency;
  • file a lawsuit with a court.
Application processing0%
Origination1% of the loan amount
Crediting to account0%
Partial or full early repayment of the loan
  • In Halyk mobile app – KZT 0
  • 0.1% of the outstanding loan, however, no less than KZT 30,000
Collateral insurance
at the expense of the Bank (after commissioning of the facility)
Personal insurance
upon the borrower's consent (at the borrower's own expense)

How to apply

1

Get the solution in the Halyk SuperApp

2

Contact any branch of the bank, or call 7111

3

Prepare a list of specified documents

4

Submit the list of documents to any branch of the bank