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LIST OF DOCUMENTS FOR OBTAINING A LOAN 

The copies provided must be verified with the original documents by a specialist of the Central Office / Branch with the mark “copy verified / taken from the original”, and the visa and name of the verified specialist.

For Borrower/Co-borrower

No.

Title of the document

Note

 

Documents to be completed/signed in the branch/CA of the Company:

1

Application for funding according to the template

Original

2

Questionnaire "Know your client" for legal entities according to the template

Original

Questionnaire "Know your client" for individuals HF/FH/IP according to the template

3

Consent of the subject of credit history to issue a credit report from the credit bureau (as of the date of application) according to the template ;

Consent of the subject of credit history to provide information about him to credit bureaus (as of the date of conclusion of the agreement) according to the template

Original

4

Consent of the borrower (client) to provide information about the loans issued to him and all information about the fulfillment of obligations on them to third parties (as of the date of application) according to the template

Original

For Borrower/Co-borrower

No.

Title of the document

Note

 

LEGAL ENTITIES:

1

Certificate/certificate of state (re-) registration (indicating BIN), charter*, memorandum of association (in the absence of full information about the participant / s, as well as the size of his share in the authorized capital in the Charter).

Copy

For JSC/LLP (maintenance of the register of participants, which is carried out by the registrar):

  • an extract from the system of registers of holders of securities / register of participants, indicating all shareholders / participants and the number of shares / shares they own, dated no earlier than 1 (one) month before the date of application.

Original

If the Borrower has participants with a share in the authorized capital of more than 10%, the following shall be provided:

  • for individuals - identity documents;
  • for legal entities - constituent documents or a register of shareholders (stakes) (to identify the beneficial owner).

Copy

For PC/SPK additionally:

1) Documents confirming compliance with the procedure for convening the authorized body of a legal entity that has made a decision to provide security / issuance of a guarantee (in the absence of a quorum of participation of persons vested with the right (authority) to make the relevant decision).

2) Documents confirming the rights of members of the Cooperative to a share (share), if the member of the Cooperative did not personally contribute, are provided:

  • documents on the basis of which the share (share) of a member of the Cooperative passed to the new owner (contract of sale / donation / exchange of a share (share);
  • documents confirming the observance of the pre-emptive right to purchase - when transferring a share (its part) to a citizen who is not a member of the cooperative;
  • documents confirming the payment of the cost of the share - in case of paid acquisition of the share.

Copy

If there are participants - foreign legal entities, documents are provided according to clauses 1, 2, with the mandatory requirement for availability (except for cases provided for by law and / or international treaties):

  • apostille of documents;
  • notarized translation of documents.

Original

2

Excluded in accordance with the decision of the Management Board of the Company dated November 28, 2022 No. 95

-

3

Identity card (indicating IIN) of the first head, registration certificate of registration of a non-resident as a taxpayer (if the head is a foreign citizen).

Decision of the authorized body of the Borrower on the formation of the executive body, on the election/appointment of the JSC Board of Directors and the appointment of the head/power of attorney issued to the authorized person, confirming his authority to sign the loan and collateral documentation on behalf of the Borrower.

Copy

4

Financial statements (balance sheet, income statement, cash flow statement, statement of changes in equity) of the Borrower for the last quarter and the last two reporting years with breakdowns to balance sheet items and / or information posted on websites that allows analysis on the financial condition of the Borrower; if available, audited financial statements.

Copy

5

Tax return for the last reporting year with a mark of the Tax Committee on the submission of the report or electronic confirmation.

Copy

6

Certificate of the servicing bank on the availability of accounts, loan / overdue debts, turnover, indicating the incoming and outgoing balance of money at the beginning and end of the month, for the last 12 months, on the presence / absence of debt on K-2 (the certificate is issued no earlier than 3 months before the date consideration of the draft QC).

Original

7

Certificate of absence (availability) of the Borrower for the last reporting quarter preceding the date of filing the application, tax debt, debt on mandatory pension contributions and social contributions, or a reconciliation report issued by the tax authorities.

Original

8

The decision of the authorized body of the Borrower on applying for a loan, pledging property with the right to extrajudicial sale, providing a guarantee, issuing a surety, with notarized authentication of the signatures of the participants.  

If at the general meeting of participants of the LLP or other authorized bodies of the legal entity the attendance is less than 100%, then it is necessary to submit documents confirming the proper notification of the participants about the upcoming meeting with the participant’s mark on receipt of such notification. If the LLP consists of 100 or more participants, it is necessary to submit a printed publication in which there was an announcement of a general meeting with a reflection of the agenda.

If a legal entity consists of 10 or more participants, then only the signatures of the chairman and secretary of the general meeting are subject to notarization in the decision.

Original

9

State license (if the activity carried out by the Borrower is subject to licensing under the laws of the Republic of Kazakhstan) (if any).

Copy

10

Business - a plan or a feasibility study for issuing a loan with supporting documents or other documents that allow assessing the creditworthiness of the Borrower, without being limited to the following, providing for the following information:

  • a description of the activity indicating the purposes of using the loan;
  • markets and marketing strategy of the borrower;
  • risk assessment and management;
  • financial plan detailed by years (financial indicators of the business plan implementation by years, sources and volumes of financing the business plan and repayment of the loan) and cost estimates (excluding the Co-borrower) (excluding small businesses).

Original

eleven

Notification of receipt of electronic digital signature***

Copy

12

The decision of the authorized body in the field of environmental protection to determine the category of the object and the Conclusion on the environmental assessment / Conclusion of the state environmental expertise / environmental permit / declaration, if the proposed type of activity falls under the types of activities and objects that have a negative impact on the environment in accordance with Appendix No. 1 and No. 2 of the Environmental Code of the Republic of Kazakhstan*** (if necessary)*****.

When financing for spring field and harvesting, these documents are not required.

Original /
in the form of an electronic document signed with an electronic digital signature

 

PEASANT (FARM) HOUSEHOLDS / INDIVIDUAL ENTREPRENEURS (KH/FH/IP):

1

Documents confirming the legal status of the applicant/borrower as a PF/FH/IP/PT (certificate/certificate of state registration of an individual entrepreneur/attachment to the certificate/extract from the state electronic register of permits and notifications of notifications sent by applicants/documents for a land plot provided for maintenance of PF/FH, agreement on joint activities, etc.).

Note: Additionally, it is necessary to check the legal status of the applicant/borrower on the Internet resource of the State Revenue Committee of the Ministry of Finance of the Republic of Kazakhstan www.kgd.gov.kz in the "Search for taxpayers" mode.

Copy

2

The decision of the local executive body on the provision of land / s plot / s on the right of private ownership or on the right of temporary paid land use for running a peasant (farm) economy, an agreement on the lease (purchase and sale) of the land / s plot / s and an act to the right of private property or temporary paid land use.

Copy

3

Identity card of the head of the CH/IP, in case of several members of the CH, then copies of the ID cards of all members of the CH.

A copy with a mark of verification from the original

4

Tax return for the last reporting year with a mark of the Tax Committee on the submission of the report or electronic confirmation.

Copy

5

Certificate of the servicing bank on the availability of accounts, loan / overdue debts, turnover, indicating the incoming and outgoing balance of money at the beginning and end of the month, for the last 12 months, on the presence / absence of debt on K-2 (the certificate is issued no earlier than 3 months before the date consideration of the draft QC).

Original

6

Certificate of absence (availability) of the Borrower for the last reporting quarter preceding the date of filing the application, tax debt, debt on mandatory pension contributions and social contributions, or a reconciliation report issued by the tax authorities.

Original

7

Minutes of the general meeting of members of the PF/FH to attract a loan (provision of a guarantee), indicating its amount, term and intended use, and notarization of the signatures of the PF/FH members (in case the head of the PF/FH carries out activities on the basis of personal entrepreneurship, solution is not required).

If the CH / FH consists of 10 or more members, then the authenticity of the signature of the head of the CH / FH and the secretary of the meeting is subject to notarization in the protocol.

Original

8

Business - a plan or a feasibility study for issuing a loan with supporting documents or other documents that allow assessing the creditworthiness of the Borrower, without being limited to the following, providing for the following information:

  • a description of the activity indicating the purposes of using the loan;
  • markets and marketing strategy of the borrower;
  • risk assessment and management;
  • financial plan detailed by years (financial indicators of the business plan implementation by years, sources and volumes of financing the business plan and repayment of the loan) and cost estimates (excluding the Co-borrower) (excluding small businesses).

Original

9

Notification of receipt of electronic digital signature***

Copy

10

The decision of the authorized body in the field of environmental protection to determine the category of the object and the Conclusion on the environmental assessment / Conclusion of the state environmental expertise / environmental permit / declaration, if the proposed type of activity falls under the types of activities and objects that have a negative impact on the environment in accordance with Appendix No. 1 and No. 2 of the Environmental Code of the Republic of Kazakhstan*** (if necessary)*****.

When financing for spring field and harvesting, these documents are not required.

Original /
in the form of an electronic document signed with an electronic digital signature

For the pledger

No.

Title of the document

Note

 

LEGAL ENTITIES:

1

Certificate/certificate of state (re-) registration (indicating BIN), charter*, memorandum of association (in the absence of full information about the participant / s, as well as the size of his share in the authorized capital in the Charter).

Copy

For JSC/LLP (maintenance of the register of participants, which is carried out by the registrar):

  • an extract from the system of registers of holders of securities / register of participants, indicating all shareholders / participants and the number of shares / shares they own, dated no earlier than 1 (one) month before the date of application.

Original

If the Borrower has participants with a share in the authorized capital of more than 10%, the following shall be provided:

  • for individuals - identity documents;
  • for legal entities - constituent documents or a register of shareholders (stakes) (to identify the beneficial owner).

Copy

For PC/SPK additionally:

1) Documents confirming compliance with the procedure for convening the authorized body of a legal entity that has made a decision to provide security / issuance of a guarantee (in the absence of a quorum of participation of persons vested with the right (authority) to make the relevant decision).

2) Documents confirming the rights of members of the Cooperative to a share (share), if the member of the Cooperative did not personally contribute, are provided:

  • documents on the basis of which the share (share) of a member of the Cooperative passed to the new owner (contract of sale / donation / exchange of a share (share);
  • documents confirming the observance of the pre-emptive right to purchase - when transferring a share (its part) to a citizen who is not a member of the cooperative;
  • documents confirming the payment of the cost of the share - in case of paid acquisition of the share.

Copy

If there are participants - foreign legal entities, documents are provided according to clauses 1, 2, with the mandatory requirement for availability (except for cases provided for by law and / or international treaties):

  • apostille of documents;
  • notarized translation of documents.

Original

2

Excluded in accordance with the decision of the Management Board of the Company dated November 28, 2022 No. 95

-

3

Identity card (indicating IIN) of the first head, registration certificate of registration of a non-resident as a taxpayer (if the head is a foreign citizen).

Decision of the authorized body of the Borrower on the formation of the executive body, on the election/appointment of the JSC Board of Directors and the appointment of the head/power of attorney issued to the authorized person, confirming his authority to sign the loan and collateral documentation on behalf of the Borrower.

Copy

4

The decision of the authorized body of the Pledgor to pledge the property (indicating the generic characteristics (identification characteristics) of the subject of pledge), with the right to its extrajudicial sale, the provision of a guarantee, the issuance of a surety, with notarial authentication of the signatures of the participants.  

If at the general meeting of participants of the LLP or other authorized bodies of the legal entity the attendance is less than 100%, then it is necessary to submit documents confirming the proper notification of the participants about the upcoming meeting with the participant’s mark on receipt of such notification. If the LLP consists of 100 or more participants, it is necessary to submit a printed publication in which there was an announcement of a general meeting with a reflection of the agenda.

If a legal entity consists of 10 or more participants, then only the signatures of the chairman and secretary of the general meeting are subject to notarization in the decision.

In the decision of the authorized body of the Pledgor to pledge the property coming into ownership in the future (in the form of equipment, machinery, goods in circulation (in the form of bio-assets), at the same time a decision is made to pledge equipment, machinery, goods in circulation (in the form of bio-assets). ), indicating the names, quantity, cost of equipment, machinery, goods, place of storage of goods, as well as documents confirming the rights of the pledgor to pledged equipment, machinery, goods (delivery, sale and purchase agreements and other documents).

Original

5

Certificate from the servicing bank on the existence of an account, indicating its details ****

Original

 

PEASANT (FARM) HOUSEHOLDS / INDIVIDUAL ENTREPRENEURS (KH/FH/IP):

1

Documents confirming the legal status of the applicant/borrower as a PF/FH/IP/PT (certificate/certificate of state registration of an IP/attachment to the certificate/extract from the state electronic register of permits and notifications of notifications sent by applicants/documents for a land plot provided for maintenance of PF/FH, agreement on joint activities, etc.).

Note: Additionally, it is necessary to check the legal status of the applicant/borrower on the Internet resource of the State Revenue Committee of the Ministry of Finance of the Republic of Kazakhstan www.kgd.gov.kz in the "Search for taxpayers" mode.

Copy

2

The decision of the local executive body on the provision of a land plot/s on the basis of the right of private ownership or the right of temporary paid land use for running a peasant (farm) economy;

Copy

3

Identity card of the head of the CH/IP, in case of several members of the CH, then copies of the ID cards of all members of the CH.

A copy with a mark of verification from the original

4

Minutes of the general meeting of members of the KH / FH on the pledge of property (indicating the name of the property, its location, quantity (subject of pledge), substance, size or maximum amount and deadline for fulfilling the obligation secured by the pledge) and granting the right not to its extrajudicial implementation, with notarial authentication of signatures of all members of the CH / FH.

Marriage registration certificate (copy) and notarized consent of the spouse - the head of the farm / farm on the pledge of property (indicating the name of the property, its location and quantity) and its extrajudicial sale, if the subject of pledge is the common joint property of the spouses ( original) or a notarized statement of the mortgagor that he was not married at the time of acquiring the pledged item (original).

Minutes of the general meeting of members of the PF/FH for the pledge of property coming into ownership in the future (in the form of bio-assets), at the same time a decision is made to pledge equipment, machinery, goods in circulation (in the form of bio-assets), indicating the names, quantities, the cost of equipment, machinery, goods, place of storage of goods, as well as documents confirming the rights of the pledgor to pledged equipment, machinery, goods (delivery contracts, sales contracts and other documents).

Original

5

Certificate from the servicing bank on the existence of an account, indicating its details ****

Original

For the Co-Borrower/Pledgor/Guarantor - an individual:

No.

Title of the document

Note

1

Identity document: identity card / passport of a citizen of the Republic of Kazakhstan; residence permit of a foreigner in the Republic of Kazakhstan; certificate of a stateless person.

Copy

2

Spouse's identity card (indicating IIN).

Certificate of registration of marriage.

Copy

3

Notarized consent of the spouse (s), all co-owners to pledge and extrajudicial implementation of the pledge, (indicating the name of the property, its location and quantity, as well as the main secured obligation) - if the property offered as pledge is in a common joint property (property of spouses, ownership of a privatized dwelling), or a statement of the pledgor if he is not married at the time of the acquisition and provision of the pledge.

Note:

  • the written consent of the guardianship and guardianship authority - the original, (if the co-owners are minor children or citizens recognized by the court as incapable (limitedly capable);
  • a marriage contract concluded between the spouses - a notarized copy (if such an agreement defines the spouse's right to independently dispose of the property that is the subject of security);
  • agreement on the division of common property concluded between the spouses (notarized copy) (in the event that such an agreement defines a different regime for disposing of the property that is the subject of security (i.e., not the regime for joint joint property of the spouses).

Original

4

Certificate from the servicing bank on the existence of an account, indicating its details ****

Original

Additional list of documents:

 

When financing construction and installation works / purchase of equipment / breeding farm animals:

 

According to the list of documents

Copy

 

When lending to agribusiness entities for subsequent financing of agricultural producers through the purchase of crop products:

 

Contracts for the purchase of crop products

Copy

 

A list of agricultural enterprises to which it is planned to issue funds at the expense of a loan, signed by the head and chief accountant of the borrower, sealed (if any).

Original

 

Documents according to the template

Copy

 

When acquiring biological assets (farm animals)

 

 

The seller's general list of identification of farm animals, confirming their availability (as of the date before the loan issuance), with the exception of imported breeding animals (not required for due diligence).

Original

Note:

*If the Company (branch / CA) has constituent documents, it is sufficient to provide a copy of such documents and the original certificate of the authorized body on the latest changes to the constituent documents.

** If the Company has the above documents, they do not need to be re-submitted.

*** provided after a positive decision of the QC.

**** when accepting as a pledge collateral (in the form of real estate and other property), the collateral value of which is equal to or exceeds 200,000,000 tenge or equal to the amount in foreign currency equivalent to or exceeding 200,000,000 tenge (this requirement for collateral value is not applies to the guarantor.)

***** The legal opinion of the Company's expert division on determining the need for the borrower to submit permits and other documents stipulated by the norms of the Environmental Code of the Republic of Kazakhstan is drawn up on the basis of a service note of the credit division (Appendix No. 9), an application for financing (Appendix No. 2) and documents, provided by the borrower/applicant.