Lending program "AgroBusiness"
Sales channels
Direct lending
Credit partnerships
Microfinance organizations
Second-tier banks/Eurasian Development Bank
Leasing companies
Regional investment centers
Purpose
Acquisition of fixed assets, including modernization of facilities; construction and installation works, including reconstruction;
Replenishment of working capital.
Time
From own and/or borrowed funds:
- for fixed assets/construction and installation works - up to 120 months;
- for working capital - up to 48 months
From the funds of the National Fund of the Republic of Kazakhstan (only for direct lending):
- for fixed assets/construction and installation works - up to 144 months;
- for working capital - up to 60 months.
Grace period
From own and/or borrowed funds:
- for fixed assets/construction and installation works - up to 24 months;
- for working capital - up to 12 months.
From the funds of the National Fund of the Republic of Kazakhstan (only for direct lending):
- for fixed assets/construction and installation works - up to 24 months;
- for working capital - up to 12 months.
The amount
Rate
From own and/or borrowed funds:
- Direct lending - 22% per annum (SER - from 22% per annum)
- CT/MFO/LC/STB/EDB/RIC – 18% per annum (SER – from 18% per annum) (when lending to borrowers of CT/LC/STB/EDB/RIC – margin no more than 4%; when lending to MFO borrowers – margin not more than 10%)
- From the funds of the National Fund of the Republic of Kazakhstan - 6% per annum (ESV - from 6% per annum) (only for direct lending)
Collateral
Direct lending, credit partnerships, microfinance organizations - in accordance with the Collateral Policy of the Company.
Second-tier banks/Eurasian Development Bank, RIC - without collateral, within the limit established by the decision of the authorized body of the Company.
Leasing companies:
- without collateral - if there is a rating from international rating agencies;
- under the guarantee of second-tier banks/Eurasian Development Bank.
