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Loans

  • Flexible schedule of loan repayment;
  • Availability of terms and conditions including all loan expenses; 
  • Feasibility of early repayment;

Tengri Contract

Lending Parameters

General Terms and Conditions

Summary

Financing of large, medium, and small business entities

Facility

One-time loan/credit line

Target group

Large, medium, and small business entities

Loan currency

KZT or USD

Term of credit line

1) while granting a loan for delivery of goods– not more than the contract period and plus one month;
2) while granting a loan for performance of works and/or services – not more than the contract period and plus three month

Term of a one-time loan/a tranche within the credit line

not more than the credit line term

Availability period of a credit line

by decision of the authorized body

Lending purpose

For working capital financing (for execution of the contract )

Maximum loan amount on product

not more than 80 % of the contract amount. Upon availability of the material and technical base and infrastructure, or of the acquired circle of subcontractors, having the required technical equipment to ensure the performance of the work under the contract, including acquisition of goods for further selling to the customer within the contract – up to 90 % of the contract amount

Nominal interest rate

KZT:
at least 21 % per annum;
USD:
at least 12% per annum.

Commission

Consideration fee – KZT 15 000.

Organization fee for a one-time loan/the first tranche within the credit line – 1% of the one-time loan/credit line value but at least KZT 15 000.

Organization fee for the second and any subsequent tranche within the credit line – 0,25% of the each tranche value but at least KZT 15 000.

Other fees – according to the Bank’s tariffs

Requirements to the customer (borrower/joint debtor/guarantor/warrantor)

1) as per the Credit policy of the Bank;
2) work experience on agreements of supply/sale and purchase/contract/rendering of services with customers in this sector at least one year, availability of at least two executed contracts with the customer (in similar area). Upon financing the framework contract – availability of at least two executed addendums to the contract;
3) availability of the contract concluded with the company – customer, included into the list of reliable debtors1, approved by the Expanded credit committee or being a public institution

Requirements to the contract

Availability in the contract of terms and conditions of non-cash payment under the contract to the client’s bank current account, opened with the Bank (hereinafter – special account), the control of cash flow on which the Bank is entitled to carry out on the basis of special terms and conditions in the bank current account agreement: on forwarding the money to be received to the special account only in repayment of the loan debt

Personal service

Prompt loan granting guarantee

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