Halyk Sale
Benefits
Terms
Purpose | purchase of residential real estate (including property located in residential complexes) and residential property owned by the Bank |
Loan term | up to 240 months |
Currency | KZT |
Security | property to be acquired/own real estate |
Interest rate | 12% |
| Annual effective interest rate | from 12,3% before 12,7% |
Down payment | minimum 20% |
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.
Purpose | purchase of commercial and non-commercial real estate |
Term | up 60 months |
Interest rate and down payment | down payment of at least 30-40% of the market value: |
down payment of at least 40-50% of the market value: 12% p.a. | |
down payment of at least 50% of the market value: | |
| Annual effective interest rate | from 11,5% before 14% |
How to apply
Select an item from the selling list on the website: halykzalog.kz
Present a package of documents for a loan application at a bank outlet