1. Interest rate – 7% (AEIR 7.2%)
2. Loan term – from 6 to 300 months
3. Maximum loan amount – not more than 80% of the market value of the purchased property
4. Minimum down payment – at least 20% of the market value of the purchased property
5. No fees apply.

The 7-20-25 Mortgage – a unique opportunity to acquire new housing on favorable terms.
• Interest rate – 7%
• Loan term up to 25 years
• Down payment from 20%
• No fees

Loans are provided for the purchase of primary housing – residential real estate for which ownership is registered for the first time upon its acquisition from a developer (customer)/ construction investor/ local executive authority or other legal entities selling housing on behalf of the developer, customer, construction investor, or local executive authority.

Acquired housing

The collateral value is determined by the lower of the following:
• the value determined by an independent appraiser
• the value determined by the Bank
• the purchase price of the housing

Maximum cost of purchased housing:
• KZT 30,000,000 for Astana, Almaty, Aktau, Atyrau, and Shymkent
• KZT 25,000,000 for Karaganda
• KZT 20,000,000 for other regions

Minimum borrower requirements:
• Citizenship of Kazakhstan
• No property ownership
• No outstanding debt on mortgage loans
• Purchase of only primary housing* (no restrictions on the choice of Housing Complex)
• Only the borrower can act as the guarantor
*Real estate object for which ownership is registered for the first time upon its purchase from the developer (customer) or other legal entities selling housing from the developer (customer).

More detailed information is available at Bank outlets.

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:
• for Astana, Almaty, Aktau, and Atyrau – KZT 150,000
• for all other cities – KZT 100,000

7 business days

There are no fees under this program.

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 9:00 a.m. to 6:00 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 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.

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.

To fully prepay secured loans, mortgages, or auto loans, please contact your bank outlet to obtain documents related to the collateral.