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Loans

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

Tengri Investments

Lending Parameters

General Terms and Conditions

Facility

one-time loan/credit line

Target group

large, medium and small business entities

Loan currency

KZT or USD

Term of credit line

no more than 36 months

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

no more than the credit line period

Availability period of a credit line

no more than 12 moths from the date of loan agreement

Lending purpose

1) for investments or acquisition of new and/or modernization of fixed assets;

2) refinancing of the current loan debt, provided earlier for investment or acquisition of new and/or modernization of fixed assets (principal debt without interest, commissions, fine and penalties)

LTV ratio level

1) for security in the form of the movable property – not more than 0,5;

2) for security in the form of the immovable property – not more than 0,7;

3) for security in the form of money– not more than 0,97

Nominal interest rate

In KZT:

up to 12 months – at least 21 % per annum;

from 12 up to 24 months – at least 24% per annum;

up to 36 months – at least 25% per annum.

In USD: at least 11% 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

Additional terms and conditions

1) the borrower (the pledger and the founder) should not have overdue loan debts in financial institutions as of the date of granting the loan application to the Bank;

2) it is not allowed to have debts on taxes and other mandatory payments to the budget, thereby the debt on VAT is equal to zero if the value is less than 10 monthly calculation indexes;

3) the borrower and founder should not have negative credit history