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Loans

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

Tengri Oborotnyi

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

not more than 24 months

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

not more than 12 months

Availability period of a credit line

not more than 18 months from the date of loan agreement

Lending purpose

1) for working capital financing;
2) refinancing of the current loan indebtedness, provided earlier for working capital financing (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

KZT:
from 1 up to 3 months – at least 19 % per annum;
from 3 up to 6 months – at least 20 % per annum;
from 6 up to 12 months – at least 21 % per annum;
from 12 up to 18 months – at least 23 % per annum;
from 18 up to 24 months – at least 24% per annum.
USD:
from 1 up to 3 months – at least 10 % per annum;
from 3 up to 6 months – at least 10 % per annum;
from 6 up to 12 months – at least 11 % per annum;
from 12 up to 18 months – 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

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

Personal service

Prompt loan granting guarantee

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