Conditions of automobile lending from JSC “Halyk Bank of Kazakhstan”
Program “For automobile purchase”
Lending purpose: loan for a new automobile in a car dealership.
Confirmation of income: not necessarily, if down payment of not less than 50% of the new purchased automobile’s cost is deposited.
Down payment: not less than 20% of the new purchased automobile’s cost.
Maximum credit term: 84 months
Credit currency: Tenge and US dollars
Collateral: a new purchased automobile, real property of commercial/noncommercial purpose, guarantee of a legal entity, bank deposit.
Early repayment: without penalties upon expiration of 3 months from the date of loan granting
Insurance: property insurance (subject of pledge), personal (from accidents and disablement) in accordance with current tariffs.
Collateral appraisal: cost of an automobile is appraised on the basis of invoice or price-list of a car dealership.
Documents required to consider a loan application:
identification card of an applicant, pledger, co-borrower in case of his/her participation (copy/original);
TRN of an applicant, co-borrower in case of his/her participation (copy/original);
SIC of an applicant, co-borrower in case of his/her participation (copy/original);
statement of income for the last 6 months with an extract from pension fund (if any);
copy of an applicant’s document confirming registration at place of residence;
