Lending is only available with proof of income.
1. Interest rate – from 5% to 18.5% (AEIR from 5.1% to 20.1%)*
2. Loan currency – KZT
3. Loan term – from 12 to 240 months
4. Maximum loan amount – depending on the Applicant’s solvency
5. Down payment – from 20% of the property’s value
6. Fees:
• for application review – 0%
• for loan arrangement – 0%

* determined individually, the final AEIR calculation is performed upon loan disbursement.

Favorable loan program!
• Purchase of under-construction housing from BI Group
• Loan term up to 20 years
• You can get a decision in 5 minutes without leaving home.

• Submit an application on the Developer's website and receive a preliminary decision from the Bank.
• Choose an apartment on the Developer's website.
• Register in Halyk app and review the Bank's decision.
• Make a down payment and execute the equity participation agreement with the Developer.
• Sign the credit documents with an electronic digital signature (EDS) and pay the state duty for registering the collateral.
• The collateral will be registered online, and the credit funds will be credited to the Developer's account.
• Done! Become the owner of your own home!

Please refer to the list of residential complexes by clicking on the link below.

The Applicant’s age shall be between 21 and 63 years old at the time of loan repayment.

The acquired property in the residential complex should serve as collateral.

At least 6 months at the last place of employment.

No.

Insurance of the collateral is carried out at the expense of the Bank. Personal (life/accident) insurance is carried out with the borrower's consent.

When submitting an application at a Bank outlet, the application is considered within 7 business days.

Pay your loan on time in Halyk mobile app, or before the scheduled date, to avoid delinquency and protect your credit history. To make a monthly payment, you need to:
• Open Halyk
• Tap "Repay" on the home page
• Select the loan you want to pay
• Tap "Pay monthly payment"
• Select a card or account to pay from and enter the payment amount
• Confirm the payment
Attention! Monthly payment repayment is available on Android smartphones (version 5.4.2 or higher) and IOS (version 5.5.2 or higher).

Additionally:
1) You can pay monthly payment for one or multiple agreements of the same type.
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.

You can repay your loan:

• Through Halyk. Transfer funds from your card to the current account from which the loan amount will be automatically debited on the payment due date.
• Through a Payment Terminal
• Through ATMs with a Cash-In function
• Through the cashier at the nearest bank outlet

Payments under the Agreement shall be made before 6:00 p.m. Astana time. If a payment under the Agreement is made after 6:00 p.m. Astana time, such payment will be considered completed on the next business day.

No less than three monthly payments.

When repaying through Bank outlets, a standard fee is charged in accordance with the Bank's established tariffs:

1) Terms for loans issued for a term of up to 12 months:
• when repaying within 6 months from the date of loan disbursement – a penalty of 0.1% of the loan amount is charged (but not less than KZT 30,000)
• when repaying after 6 months from the date of loan disbursement – KZT 0

2) Terms for loans issued for a term of over 12 months:
• when repaying within 12 months from the date of loan disbursement – a penalty of 0.1% of the loan amount is charged (but not less than KZT 30,000)
• when repaying after 12 months from the date of loan disbursement – KZT 0

Not charged.

Partial and full early repayment can be made through Halyk app without fees or penalties.
1) Open Halyk
2) In the home page, select “Repay Loan” - “Mortgage”
3) Click “Early Repayment”
4) Then, select the type of transaction: “Full” or “Partial” early repayment of the loan
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 mobile app under “Loans”.

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 term.
• when making a full early repayment of secured loans, you need to contact a bank outlet to obtain documents for the collateral.
• partial early repayment of secured loans is not possible online if there is a co-borrower on the loan; in this case, customers need to contact 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 need to replenish the amount of the scheduled payment again to repay the loan for the current month.
• available from 09:00 a.m. to 07:00 p.m.
• the minimum amount for partial early repayment is at least one monthly payment.