Halk bank

Loans

The fundamental values of the bank is striving to achieve positive performance results in combination of balance, competitiveness and building mutually beneficial long-term relationships with clients.

Consumer loan

For consumer purposes

Term

up to 3 years

Loan amount

up to 60 000 manat

Rate

12 %

More details

Ensuring loan repayment

1 guarantor

Loan repayment source

50% from salary of borrower and guarantor to repay the loan and interest on it (or 50% from total family income)

Repayment methods

Cash or non-cash method

Consumer loan

For consumer purposes

Term

up to 3 years

Loan amount

up to 80 000 manat

Rate

12 %

More details

Ensuring loan repayment

Pledge

Loan repayment source

50% from salary of borrower and guarantor to repay the loan and interest on it (or 50% from total family income)

Repayment methods

Cash or non-cash method

Mortgage loan (*only “Ashgabat” branch)

For the purchase of real estate

Term

up to 30 years

Loan amount

According to client’s request

Rate

1 %

More details

Ensuring loan repayment

Real estate

Loan repayment source

80% from total income of borrower and guarantor required to repay the loan amount and interest on it

Repayment methods

Non-cash method

Lending in small amounts

For development of agriculture and cattle-breeding

Term

up to 3 years

Loan amount

up to 30 000 manat

Rate

10 %

More details

Ensuring loan repayment

Pledge, guarantee

Loan repayment source

Cash or non-cash methods

Repayment methods

Cash or non-cash methods

Loan for carpets purchase

For carpets purchase

Term

up to 3 years

Loan amount

up to 30 000 manat

Rate

12 %

More details

Ensuring loan repayment

Pledge, guarantee

Loan repayment source

Cash or non-cash methods

Repayment methods

Cash or non-cash methods

“Overdraft” loan

For personal needs

Term

up to 6 months

Loan amount

up to 50% from salary

Rate

12 %

More details

Ensuring loan repayment

Permanent place of work

Loan repayment source

Automatically deducting from the borrower’s salary

Repayment methods

Non-cash method

Loan for students

Term

up to 1 year

Loan amount

Based on document approved by Ministry of Education

Rate

5 %

More details

Ensuring loan repayment

1 family income 1 guarantor

Loan repayment source

50% from salary of borrower and guarantor to repay the loan and interest on it (or 50% from total family income)

Repayment methods

Cash or non-cash method

Loan for wedding celebrations

For any types of wedding celebrations

Term

up to 3 years

Loan amount

up to 100 000 manat

Rate

12 %

More details

Ensuring loan repayment

Pledge (motor vehicle, real estate and gems)

Loan repayment source

50% from salary of borrower and guarantor to repay the loan and interest on it (or 50% from total family income)

Repayment methods

Cash or non-cash method

Loans for the newly married couples

For purchase household items

Term

up to 3 years

Loan amount

up to 20 000 manat

Rate

1 %

More details

Ensuring loan repayment

2 guarantors

Loan repayment source

50% from salary of borrower and guarantor to repay the loan and interest on it (or 50% from total family income)

Repayment methods

Cash or non-cash method