Lending program "Isker"
Sales channels
Direct lending
Credit partnerships
Microfinance organizations
Purpose
Lending to direct borrowers and credit partnerships within the framework of the State Program of Productive Employment and Mass Entrepreneurship;
Lending to microfinance organizations with the participation of the state within the framework of the Employment Roadmap.
Time
Productive employment:
- up to 60 months, but not more than the period stipulated in the agreement/agreement on borrowing credit resources;
-
for projects in the field of animal husbandry and for lending to agricultural cooperatives and members of low-income and/or large families (IE, KH / FH)
-
up to 84 months, but not more than the period stipulated in the agreement / agreement on borrowing credit resources.
Employment roadmap:
- up to 120 months (for the final borrowers of microfinance organizations - up to 60 months, but not more than the period stipulated in the agreement/agreement on borrowing credit resources;
-
for projects in the field of animal husbandry - up to 84 months, but not more than the period stipulated in the agreement / agreement on borrowing credit resources).
Grace period
up to 1/3 of the loan term, but not more than the term stipulated in the agreement/agreement on borrowing credit resources with the MIO.
The amount
Rate
Productive employment:Direct lending – 6% per annum (GESV – from 6% per annum), for members of low-income and/or large families (IE, KH / FH) – no more than 4% per annum (GESV - from 4% per annum),
Credit partnerships and microfinance organizations – 2% per annum (GESV – from 2% per annum) (nominal rate for end borrowers – no more than 6% per annum, GESV – from 6% per annum), for members of low-income and/or large families (IE, KH / FH) - no more than 4% per annum (GESV – from 4% per annum).
Employment Roadmap:
Microfinance organizations with state participation – 2% per annum (GESV – from 2% per annum) (nominal rate for end borrowers – no more than 6% per annum, GESV – from 6% per annum).
Collateral
Direct lending, credit partnerships – according to the Company's Collateral Policy.Microfinance organizations:
- according to the Company's Collateral Policy;
- under the RIC guarantee;
- without collateral in compliance with the established requirements of the Company.
