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Financial literacy

Clear guidance on loans, payments and responsible financial choices

This section helps you compare financing terms, assess debt burden, understand a payment schedule and make an informed decision before signing an agreement.

Frequently asked questions

Short answers to key questions that arise when choosing and servicing a loan.

How does a nominal rate differ from the APR?
The nominal rate shows interest charged for using the loan. The APR reflects the real annual cost, including interest, fees and other mandatory payments related to issuing and servicing the loan.
What is included in total loan repayments?
Principal, accrued interest and mandatory fees and payments associated with the loan. Before signing, confirm the full list of costs, including insurance, collateral valuation and guarantee fees where applicable.
How do annuity and differentiated payments differ?
With an annuity method, regular payments are generally equal. With a differentiated method, principal is repaid in equal portions, so early payments are higher and then gradually decrease.
How can I estimate an affordable payment?
Compare the payment with stable net income and essential business expenses, accounting for seasonal revenue and existing debts. Keep a reserve for unexpected costs and lower income.
What should I do if I have difficulty repaying?
Do not wait for arrears to accumulate. Contact ACC as early as possible and submit an application explaining the reasons with supporting documents.
Is the website calculation final?
No. Website calculations are for reference only. The final amount, rate, APR, schedule, collateral and other terms are determined after application review and recorded in the agreement.

Financial product explanations

Before choosing a product, determine the financing purpose, term, repayment source and affordable debt burden.

Working-capital financing

Short-term financing for seasonal work, raw materials, feed and other current expenses. Repayment usually comes from production-season revenue.

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Investment financing

Financing for construction, modernisation, machinery and equipment. It requires assessment of project payback and long-term cash flow.

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Financing through partners

For some programmes, applications are accepted by credit partnerships, banks, microfinance organisations, regional corporations and other financial institutions. Terms may depend on the selected partner.

Learn more

Educational materials

Step-by-step materials help you prepare an application and use financial services safely.

How to obtain financing

Stages from choosing a programme and preparing documents to application review and loan disbursement.

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Problem debt

What to do if arrears are likely, how to request changed terms and which documents to prepare.

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Cyber hygiene

How to recognise fraud and protect personal data, passwords and verification codes.

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Useful links

ACC sections and verified official resources for further learning and protecting your rights.

All ACC programmes

Terms, purposes, periods and requirements of current financing programmes.

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ACC questions and answers

Additional answers about applications, documents and loan servicing.

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Fingramota.kz

The official educational project of Kazakhstan's financial market regulator.

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Free financial literacy course

Nine Skills Enbek lessons on planning, lending, insurance and fraud protection.

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Financial Market Regulation Agency

Official information on financial consumer protection and public enquiries.

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Banking Ombudsman

Out-of-court settlement of disputes between individuals and banks or collection agencies.

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These materials are informational. To confirm the terms of a specific product, contact your nearest ACC branch or call the contact centre: 1408