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Deposits
Депозиты онлайн
Откройте онлайн надежный депозит с высокой ставкой
Transfers
На номер телефона
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Digital Mortgage

Halyk-тың цифрлық ипотекасы
Қосымшадағы батырмаларды бір-екі рет басып, арманыңыздағы үйге қол жеткізіңіз

Benefits

Approval in 1 minute
Approval in 1 minute
No limit on the amount
No limit on the amount
Insurance for the entire loan term
Insurance for the entire loan term

Program purpose

acquisition of ready-to-operate real estate

Interest rate

With fee
from 19% to 21% (AEIR from 21% to 25%)*

With no-fee
from 21% to 23% (AEIR from 23.1% to 25%)*

Loan period

6 to 240 months

Down payment

At least 20% of the cost of housing

Maximum loan amount

depending on the Applicant’s solvency

Security

commercial/non-commercial real estate

Insurance

provided by the Bank

* Term and amount of the loan subject to the terms determined by the Bank for this product.

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 processing

0%

Origination

1% of the loan amount

Crediting to account

0%

Partial or full repayment of the loan:
  • in Halyk mobile app - KZT 0
  • in the Bank's outlet - up to 1 year - 0.1% of the loan balance, but not less than KZT 30.000

How to apply

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