1. Interest rate:

• Including fee - from 20.5% to 22.5% (AEIR from 22.8% to 25%)*
• Excluding fee - from 22% to 24% (AEIR from 24.4% to 25%)*

2. Loan term - from 6 to 240 months
3. Maximum loan amount - depending on the Applicant's solvency
4. Collateral - commercial/non-commercial real estate and land plots meeting Bank requirements
5. Fees:
• for application review - 0%
• for loan arrangement** - 1% of the loan amount
• for crediting the loan to the account - 0%
*The final AEIR calculation is performed at the time of loan disbursement at Bank outlets.
**Not applicable to lending programs without fee and other charges.

• minimum documents
• short loan processing times
• amount – depending on the Applicant’s solvency
• option to initiate an application in Halyk app

1. Through Halyk app:
• Log in to Halyk mobile app
• Go to the "Loans" section - "Ready-made Housing Mortgage"
• Clicking "Open" displays instructions, clicking "Learn more" displays mortgage terms and conditions
• Select "Halyk Mortgage" program from the list and complete the proposed Application. When selecting the customer category:
- Individual Entrepreneur – you need to fill in the "Income under Simplified Tax Return" field
- Law Enforcement Officer – you need to specify the "monthly housing allowance"
• Select a branch
• After clicking "Next", you need to sign the documents with a code from SMS
• Receive a preliminary decision from the Bank
• If you are married, fill in your spouse’s details, after which your spouse will receive a notification in Halyk app to sign consents
• Next:
- wait for a call from the manager
- prepare documents and visit a bank outlet
• Sign the Pledge Agreement and Loan Agreement at the Bank outlet.

IMPORTANT! Only a preliminary decision is accepted in Halyk mobile app.

2. You can also submit an application via a bank outlet.

Purpose of mortgage lending:

• Acquisition of completed real estate and land plots for individual housing construction
• Acquisition of under-construction real estate
• Individual construction (completion of construction) and renovation of residential real estate for non-commercial use

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

At least 6 months

Yes, the minimum combined average monthly income should be:
1) For participants in the salary project:
• For Astana, Almaty, Atyrau, and Aktau - KZT 200,000 with a down payment of 40% or more;
• For Astana, Almaty, Atyrau, and Aktau - KZT 300,000 with a down payment of 20% or more;
• For all other cities - KZT 150,000 with a down payment of 20% or more.
2) For non-participants in the salary project:
• For Astana, Almaty, Atyrau, and Aktau - KZT 200,000 with a down payment of 50% or more;
• For Astana, Almaty, Atyrau, and Aktau - KZT 300,000 with a down payment of 30% or more;
• For all other cities - KZT 150,000 with a down payment of 30% or more.

• statement from the cumulative pension fund for the last six months
• salary certificate for the last six months. However, if the applicant is a participant in a “salary project,” the Bank may calculate solvency based on the applicant’s account statement for the last 6 months, without the applicant providing an additional salary certificate.

The Bank reserves the right to request additional documents.

• 0% – when providing additional collateral;
• 10% – of the value of the purchased property for employees of Companies that have concluded a Cooperation Agreement (funding) with the Bank;
• 20% – of the value of the purchased property for all customers.

Minimum requirements depend on the type of loan. Each application is considered individually.
To apply for a loan, you should have an identity document (if necessary, the manager may request additional documents).

7 business days

Not less than the amount of three monthly payments.

Initial collateral valuation is performed by independent appraisal organizations.

Secondary valuation is carried out by the Branch Valuation Service with a site visit to the location of the collateral to determine the adequacy of the independent appraiser’s valuation.

Mortgage centers of Halyk Bank are open in Almaty at: 175, Auеzov Str., Bostandyk District, Almaty; non-residential premises No.1, 101, Tole bi Str., Almaly District, Almaty. The center’s specialists will help you choose suitable housing and guide you through the entire mortgage application process on the best terms.

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! Halyk loan repayment is available from 09:00 a.m. to 06:00 p.m. 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 only make a monthly payment for one loan at a time.
2) If you pay more than the scheduled amount for your monthly payment, 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 your 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.

You can partially or fully repay your loan early in Halyk app without fee, or at a Bank Center for Post-Sales Service with fee charged in accordance with the tariffs. You can find the addresses on the website halykbank.kz and by contacting 7111.

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.

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

Yes, the bank offers refinancing for loans from other banks provided there is no overdue debt on the loan. It is possible to consolidate multiple loans and pay less.

To refinance, please visit the nearest Halyk Bank outlet.

If you have a missed mortgage payment, you need to find out the amount overdue. You can check the amount due in Halyk.

A second loan is issued subject to creditworthiness and collateral.

To obtain documents related to the collateral item after full early repayment of secured loans, mortgages, or auto loans, please contact a bank outlet.

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.