Digital Mortgage

Program purpose

acquisition of ready-to-operate real estate

Interest rate

With fee
from 17.5% to 20.5% (AEIR from 19.2% to 25%)*

With no-fee
from 18.5% to 21.5% (AEIR from 19.5% 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

Application processing

0%

Origination

1% of the loan amount

Crediting to account

0%

• 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