5353
Call Center
List of documents for obtaining a loan
For the Borrower
No.
Title of the document
Note
Documents completed/signed at the Company's branch/CA:
1
Application for funding.
Original
2
“Know Your Customer” questionnaire for legal entities.
Questionnaire “Know your customer” for individuals of private farms/farmsteads/sole proprietors.
3
Consent of the credit history subject to the issuance of a credit report from a credit bureau (on the date of application); Consent of the credit history subject to the provision of information about him/her to credit bureaus (on the date of conclusion of the agreement).
4
Consent of the borrower (client) to provide information about loans issued to him and all information about the fulfillment of obligations under them to third parties (as of the date of application).
LEGAL ENTITIES:
Certificate/certificate of state (re-)registration (indicating the BIN), charter*, memorandum of association (if the Charter does not contain complete information about the participant/s, as well as the size of their share in the authorized capital).
Copy
For JSC/LLP (the register of participants is maintained by the registrar):
– an extract from the system of registers of securities holders/register of participants, indicating all shareholders/participants and the number of shares/interests owned by them, dated no earlier than 1 (one) month prior to the date of filing the application.
If the Borrower has participants with a share in the authorized capital of more than 10%, the following is required:
for individuals - identity documents received by the credit manager through the digital document service, except in cases of lack of integration with information technology objects of state bodies and (or) state legal entities, the impossibility of identifying the subject using technological means, as well as in other cases stipulated by the laws of the Republic of Kazakhstan;
- for legal entities – constituent documents or register of shareholders (participatory interests) (to identify the beneficial owner).
Electronic document/copy**
copy
For PC/SPK additionally:
1) Documents confirming compliance with the procedure for convening the authorized body of the legal entity that made the decision to provide security/issue 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 the Cooperative members to a share (unit) in the event that the Cooperative member did not make a contribution personally are provided:
– documents on the basis of which the share (unit) of a member of the Cooperative was transferred to the new owner (purchase and sale/donation/exchange agreement of a unit (unit);
– documents confirming compliance with the pre-emptive right of purchase – when transferring a share (part of it) to a citizen who is not a member of the cooperative;
– documents confirming payment for the share price – in case of paid acquisition of the share.
If there are participants who are foreign legal entities, the documents under paragraphs 1 and 2 are provided, with the mandatory requirement of availability (except for cases stipulated by law and/or international treaties):
- apostille of documents;
- notarized translation of documents.
Identity card (indicating the IIN) of the first director, received by the credit manager through the digital document service, except in cases of lack of integration with the information technology objects of state bodies and (or) state legal entities, impossibility of identifying the subject using technological means, as well as in other cases stipulated by the laws of the Republic of Kazakhstan; registration certificate of registration of a non-resident as a taxpayer (if the director is a foreign citizen).
The decision of the authorized body of the Borrower on the formation of the executive body, on the election/appointment of the Board of Directors of JSC and the appointment of the manager/power of attorney issued to the authorized person, confirming his authority to sign credit and collateral documentation on behalf of the Borrower.
Financial statements (balance sheet, profit and loss statement, cash flow statement, statement of changes in equity) of the Borrower for the last quarter and the last two reporting years with breakdowns of balance sheet items****** and/or information posted on websites that allows for an analysis of the financial condition of the Borrower; audited financial statements, if available.
Tax return for the last reporting year with a mark from the Tax Committee on the submission of the report or electronic confirmation.
5
A certificate from the servicing bank on the availability of accounts, loan/overdue debt, turnover indicating the incoming and outgoing balance of funds at the beginning and end of the month, for the last 12 months, on the presence/absence of debt on K-2 (the certificate must be issued no earlier than 3 months before the date of consideration of the draft KK).
6
A certificate of the absence (presence) of the Borrower for the last reporting quarter preceding the date of filing the application, tax arrears, arrears on mandatory pension contributions and social security contributions, or a reconciliation report issued by the tax authorities.
7
The decision of the authorized body of the Borrower to apply for a loan, to transfer property as collateral with the right to extrajudicial sale, to provide a guarantee, to issue a surety, with notarized certification of the authenticity of the signatures of the participants.
If the general meeting of participants of the LLP or other authorized bodies of the legal entity is attended by less than 100%, it is necessary to submit documents confirming the proper notification of the participants about the upcoming meeting with a note from the participant about the 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 the 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.
8
State license (if the activity carried out by the Borrower is subject to licensing under the legislation of the Republic of Kazakhstan) (if any).
9
A business plan or a feasibility study for issuing a loan with supporting documents or other documents that allow for an assessment of the Borrower's creditworthiness, not limited to the following, providing the following information:
- description of the activity indicating the purposes for which the loan will be used;
- sales markets and marketing strategy of the borrower;
- risk assessment and management;
- a financial plan detailed by year (financial indicators for the implementation of the business plan by year, sources and volumes of financing for the business plan and loan repayment) and an expense estimate (except for small business entities).
10
Notification of receipt of electronic digital signature***
eleven
The decision of the authorized body in the field of environmental protection on determining the category of the facility and the Conclusion on the environmental assessment/Conclusion of the state environmental review/environmental permit/declaration, if the planned type of activity falls under the types of activities and facilities 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 spring field and harvesting work, these documents are not required.
Original/
in the shape of
electronic document signed with an electronic digital signature
PEASANT (FARM) HOLDINGS / INDIVIDUAL ENTREPRENEURS (FH/FH/IP):
Documents confirming the legal status of the applicant/borrower as a peasant farm/farmholding/individual entrepreneur/farmer (certificate/certificate of state registration of individual entrepreneur/appendix to the certificate/extract from the state electronic register of permits and notifications of notifications sent by applicants/documents for the land plot provided for running a peasant farm/farmholding, joint activity agreement, etc.).
Note: it is additionally 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.
The decision of the local executive body on the provision of a land plot/s on the right of private ownership or on the right of temporary paid land use for running a peasant (farming) enterprise, an agreement on the lease (purchase and sale) of a land plot/s and an act on the right of private ownership or temporary paid land use.
Identity card of the head of the peasant farm/individual entrepreneur, received by the credit manager through the digital document service, except in cases of lack of integration with the information technology facilities of state bodies and (or) state legal entities, impossibility of identifying the subject using technological means, as well as in other cases stipulated by the laws of the Republic of Kazakhstan, in the case of several members of the peasant farm - identity cards of all members of the peasant farm, received by the credit manager through the digital document service, except in cases of lack of integration with the information technology facilities of state bodies and (or) state legal entities, impossibility of identifying the subject using technological means, as well as in other cases stipulated by the laws of the Republic of Kazakhstan;
Minutes of the general meeting of members of the peasant farm/farm enterprise to attract a loan (provide a guarantee), indicating its amount, term and intended use, and notarized certification of the authenticity of the signatures of the members of the peasant farm/farm enterprise (if the head of the peasant farm/farm enterprise carries out activities on the basis of personal entrepreneurship, the provision of a decision is not required).
If the peasant farm/farm enterprise consists of 10 or more members, then the authenticity of the signature of the head of the peasant farm/farm enterprise and the secretary of the meeting in the minutes must be notarized.
- a financial plan detailed by year (financial indicators for the implementation of the business plan by year, sources and volumes of financing for the business plan and loan repayment) and an expense estimate (except for small business entities)*******.
For the Pledgor
If the Pledgor has participants with a share in the authorized capital of more than 10%, the following is required:
- for individuals - identity documents received by the credit manager through the digital document service, except in cases of lack of integration with information technology objects of state bodies and (or) state legal entities, the impossibility of identifying the subject using technological means, as well as in other cases stipulated by the laws of the Republic of Kazakhstan;
2) Documents confirming the rights of the Cooperative members to a share (unit), if the Cooperative member did not make a contribution personally, are provided:
Identity card (indicating the IIN) of the first director, received by the credit manager through the digital document service, except in cases of lack of integration with the information technology objects of state bodies and (or) state legal entities, the impossibility of identifying the subject using technological means, as well as in other cases stipulated by the laws of the Republic of Kazakhstan, a registration certificate of registration of a non-resident as a taxpayer (if the director is a foreign citizen).
The decision of the authorized body of the Pledgor on the transfer of property as collateral (indicating the generic characteristics (identification characteristics) of the subject of the pledge), with the granting of the right to its extrajudicial sale, the provision of a guarantee, the issuance of a surety, with notarization of the authenticity of the signatures of the participants.
In the decision of the authorized body of the Pledgor to transfer as collateral property that will come into ownership in the future (in the form of equipment, machinery, goods in circulation (in the form of bio-assets), a decision is simultaneously made to transfer as collateral equipment, machinery, goods in circulation (in the form of bio-assets), indicating the names, quantity, cost of the equipment, machinery, goods, place of storage of goods, as well as documents confirming the rights of the pledgor to the equipment, machinery, goods transferred as collateral (supply agreements, sales contracts and other documents).
A certificate from the servicing bank about the existence of an account with its details****
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.
Decision of the local executive body on the provision of a land plot/s on the basis of private ownership or on the basis of temporary paid land use for the purpose of running a peasant (farm) enterprise;
Identity card of the head of the peasant farm/individual entrepreneur, received by the credit manager through the digital document service, except for cases of lack of integration with the information technology facilities of state bodies and (or) state legal entities, impossibility of identifying the subject using technological means, as well as in other cases stipulated by the laws of the Republic of Kazakhstan, in the presence of several members of the peasant farm - identity cards of all members of the peasant farm, received by the credit manager through the digital document service, except for cases of lack of integration with the information technology facilities of state bodies and (or) state legal entities, impossibility of identifying the subject using technological means, as well as in other cases stipulated by the laws of the Republic of Kazakhstan.
Minutes of the general meeting of members of the peasant farm/farmer enterprise on the transfer of property as collateral (indicating the name of the property, its location, quantity (subject of the collateral), nature, size or maximum amount and term of fulfillment of the obligation secured by the collateral) and the granting of the right to its extrajudicial sale, with notarized certification of the authenticity of the signatures of all members of the peasant farm/farmer enterprise.
Marriage registration certificate (copy) and notarized consent of the spouse - head of the peasant farm/farmholding on the transfer of property as collateral (indicating the name of the property, its location and quantity) and its extra-judicial sale, if the subject of the collateral is the common joint property of the spouses (original) or a notarized statement of the pledger that he was not married at the time of acquisition of the subject of the collateral (original).
Minutes of the general meeting of members of the peasant farm/farm enterprise on the transfer of property to be owned in the future as collateral (in the form of bio-assets); at the same time, a decision is made on the transfer of equipment, machinery, goods in circulation as collateral (in the form of bio-assets), indicating the names, quantity, cost of the equipment, machinery, goods, storage location of the goods, as well as documents confirming the rights of the pledger to the equipment, machinery, goods transferred as collateral (supply agreements, sales contracts and other documents).
For the Pledgor/Guarantor – an individual:
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, obtained by the credit manager of the division through the digital document service (except in cases of lack of integration with the information technology facilities of state bodies and (or) state legal entities, the impossibility of identifying the subject using technological means, as well as in other cases stipulated by the laws of the Republic of Kazakhstan).
Identity card of the spouse (indicating the IIN), received by the credit manager through the digital document service, except in cases of lack of integration with the information technology objects of state bodies and (or) state legal entities, the impossibility of identifying the subject using technological means, as well as in other cases stipulated by the laws of the Republic of Kazakhstan.
Marriage registration certificate.
Notarized consent of the spouse, all co-owners to the pledge and extra-judicial sale 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 collateral is in common joint ownership (property of spouses, ownership of privatized housing), or a statement from the pledger if he is not married at the time of acquisition and provision of the pledge.
Note:
- written consent of the guardianship and trusteeship authority - original (if the co-owners are minor children or citizens recognized by the court as incapacitated (partially incapacitated);
- a marriage contract concluded between the spouses - a notarized copy (if such a contract defines the spouse's right to independently dispose of the property that is the subject of security);
- an agreement on the division of common property concluded between spouses (a notarized copy) (if such an agreement specifies a different regime for the disposal of property that is the subject of security (i.e. not the regime of common joint property of spouses).
*If the Company (branch/CA) has constituent documents, it is sufficient to provide a copy of such documents and the original certificate from the authorized body on the latest changes to the constituent documents.
**Copies of documents are verified against the original and are accepted only in the absence of integration with the information technology objects of state bodies and (or) state legal entities, or the impossibility of identifying the subject using technological means, as well as in other cases stipulated by the laws of the Republic of Kazakhstan.
***provided after a positive decision by the CC.
****when accepting as collateral a security (in the form of real estate), the collateral value of which is equal to or exceeds 50,000,000 tenge, or an equal amount in foreign currency equivalent to or exceeding 50,000,000 tenge (this requirement for the collateral value does not apply 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 standards of the Environmental Code of the Republic of Kazakhstan is drawn up on the basis of a memo from the credit division (Appendix No. 9), an application for financing (Appendix No. 2) and documents submitted by the borrower/applicant.
******For projects for financing the VPRiUR within the framework of guaranteeing through Damu with a financing amount exceeding 750.0 million tenge, breakdowns of accounts payable and receivable at the beginning of the year and on the last reporting date are provided indicating the date of occurrence of the debt, the planned repayment date and the subject of the debt.
The breakdown of accounts payable and receivable, fixed assets, and inventories (hereinafter referred to as I&C) must be certified by the seal of the borrower (entrepreneur).
*******For projects for financing of VPRiUR within the framework of guaranteeing through Damu with the amount of financing over 750.0 million tenge, the borrower's financial documents as of the last quarter (with a breakdown of accounts payable and receivable indicating the date of occurrence of the debt, the planned repayment date and the subject of the debt, a breakdown of fixed assets, inventory items), a report on income and expenses for the last 12 months are additionally provided.
