Halyk Info
1. Interest rate – 4% (Annual Effective Rate of Remuneration from 4.1% to 7.5%)*
2. Loan currency – KZT
3. Loan period – from 6 to 84 months
4. Maximum loan amount – KZT 10,000,000
5. Maximum cost of the purchased vehicle – KZT 15,000,000
6. Down payment: from 20%
7. Fees – none.
8. Insurance – at the customer’s expense.
2. Loan currency – KZT
3. Loan period – from 6 to 84 months
4. Maximum loan amount – KZT 10,000,000
5. Maximum cost of the purchased vehicle – KZT 15,000,000
6. Down payment: from 20%
7. Fees – none.
8. Insurance – at the customer’s expense.
Yes, please read about the details at the Bank outlets or at 7111.
You can repay your loan:
• Via Halyk. Transfer funds from your card to the current account from which the loan amount will be automatically debited on the payment due date.
• Via Payment Terminal
• Via ATM with Cash-In function
• Via the cashier at the nearest bank outlet
Payments under the Agreement should be made before 6:00 PM Astana time. If a payment under the Agreement is made after 6:00 PM Astana time, such payment will be considered completed on the next business day.
• Via Halyk. Transfer funds from your card to the current account from which the loan amount will be automatically debited on the payment due date.
• Via Payment Terminal
• Via ATM with Cash-In function
• Via the cashier at the nearest bank outlet
Payments under the Agreement should be made before 6:00 PM Astana time. If a payment under the Agreement is made after 6:00 PM Astana time, such payment will be considered completed on the next business day.
Pay your loan on time in Halyk app, or before the scheduled date, to avoid delinquency and protect your credit history. To make monthly payment, you need to:
• Open Halyk app
• Tap "Repay" on the Home
• Choose the loan you want to repay
• Click "Pay monthly payment"
• Choose a card or account to pay from and enter the payment amount
• Confirm the payment
Please note! Halyk loan repayment is available from 9:00 AM to 6:00 PM. Monthly repayment is available on Android smartphones (version 5.4.2 and higher) and iOS (version 5.5.2 and higher).
Additionally:
1) You can only pay a monthly payment for one loan at a time.
2) If you pay more than the scheduled monthly payment amount, 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 the prepayment account will be automatically transferred to your current account.
• Open Halyk app
• Tap "Repay" on the Home
• Choose the loan you want to repay
• Click "Pay monthly payment"
• Choose a card or account to pay from and enter the payment amount
• Confirm the payment
Please note! Halyk loan repayment is available from 9:00 AM to 6:00 PM. Monthly repayment is available on Android smartphones (version 5.4.2 and higher) and iOS (version 5.5.2 and higher).
Additionally:
1) You can only pay a monthly payment for one loan at a time.
2) If you pay more than the scheduled monthly payment amount, 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 the prepayment account will be automatically transferred to your current account.
No fee.
0.1%, but not less than KZT 30,000 of the outstanding debt. Partial (full) early repayment of the loan is available at a Bank branch.
Partial and full early repayment can be made in Halyk app without fees or penalties.
1) Open Halyk
2) In the Home, choose “Repay Loan” – choose your loan
3) Click “Early Repayment”
4) Then choose the type of operation: “Full” or “Partial” early loan repayment
5) Follow the on-screen instructions
6) Check and confirm the payment
7) Confirm your consent with the code from SMS
8) You can track the application status in the history section
The updated payment schedule is available in electronic format in Halyk app in the “Loans” section.
Partial early repayment is unavailable in Halyk app in the following cases:
• on the day the loan is received;
• if a payment deferral is in effect for the loan;
• on weekends and holidays for loans where the scheduled payment falls on a weekend/holiday.
Full early repayment is unavailable in the following cases:
• on the day the loan is received;
• on weekends and holidays for loans where the scheduled payment falls on a weekend/holiday.
ATTENTION!
• for partial early repayment, you can choose a method for all types of loans – either to reduce the monthly payment amount or to shorten the loan period.
• when making a full early repayment of secured loans, you should visit a bank outlet to obtain documents for the pledge.
• partial early repayment of secured loans is not possible online if there is a co-borrower on the loan; in this case, customers chould visit a bank outlet.
• partial early repayment does not exclude the scheduled payment for the current month.
• the amount deposited into the prepayment account before the scheduled payment is due at the time of early repayment will be reflected in the “Already Replenished” line and will be used for early repayment. After partial early repayment, you should replenish the amount of the scheduled payment again to repay the loan for the current month.
• available from 09:00 to 19:00
• the minimum amount for partial early repayment is at least one monthly payment.
1) Open Halyk
2) In the Home, choose “Repay Loan” – choose your loan
3) Click “Early Repayment”
4) Then choose the type of operation: “Full” or “Partial” early loan repayment
5) Follow the on-screen instructions
6) Check and confirm the payment
7) Confirm your consent with the code from SMS
8) You can track the application status in the history section
The updated payment schedule is available in electronic format in Halyk app in the “Loans” section.
Partial early repayment is unavailable in Halyk app in the following cases:
• on the day the loan is received;
• if a payment deferral is in effect for the loan;
• on weekends and holidays for loans where the scheduled payment falls on a weekend/holiday.
Full early repayment is unavailable in the following cases:
• on the day the loan is received;
• on weekends and holidays for loans where the scheduled payment falls on a weekend/holiday.
ATTENTION!
• for partial early repayment, you can choose a method for all types of loans – either to reduce the monthly payment amount or to shorten the loan period.
• when making a full early repayment of secured loans, you should visit a bank outlet to obtain documents for the pledge.
• partial early repayment of secured loans is not possible online if there is a co-borrower on the loan; in this case, customers chould visit a bank outlet.
• partial early repayment does not exclude the scheduled payment for the current month.
• the amount deposited into the prepayment account before the scheduled payment is due at the time of early repayment will be reflected in the “Already Replenished” line and will be used for early repayment. After partial early repayment, you should replenish the amount of the scheduled payment again to repay the loan for the current month.
• available from 09:00 to 19:00
• the minimum amount for partial early repayment is at least one monthly payment.