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Loans

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

Lending of small and medium business entities officially registered on the territory of Almaty under the program “Zhibek zholy”

Target segment

small and medium business entity (hereinafter – SMBE), being the same under the law of the Republic of Kazakhstan, officially registered and implementing the Project of financing on the territory of Almaty.   

Loan period

  • for acquisition of new and modernization of fixed assets  – not more than 84 months;
  • working capital financing – not more than 36 months.

Nominal interest rate

7,0% per annum

Maximum amount per borrower

not more than KZT 180 mio

Grace period on principal debt repayment  

up to 12 (twelve) months

Target purpose and period of loan  

1) for acquisition of new and modernization of fixed assets;
2) working capital financing.

Commission for consideration of  application /loan issuance

for application processing/loan issuance – 1% of the loan amount

Priority sectors

SMBE projects to be financed are to comply with priority sectors as per the Enclosure

Additional feasibilities  

Guarantee of the “Damu” Fund

Special terms and conditions  

After raising of a loan from the Bank the SMBE undertakes:

  • to increase the average annual number of employees   by the following year in comparison to the financing year  not less than for 1 (one) value and retain this number of employees  till the end of the financing period;  
  • to ensure the annual growth of tax payments for the next financial year — not less than 5% from the tax payment volume compared to the previous financial year.

Enclosure:
The list of priority sectors as per the common classifier of economic activity (CCEA) for Almaty


Sections of CCEA

Name

14

Production of clothing

46.64

Wholesale of the equipment for textile,  sewing and knitwear manufactures

47.11

Retail sale in non-specialized stores preferably of food, including beverages and tobacco.

47.19*

Other retail sale in non-specialized shops.

47.21

Retail sale of  fruits and vegetables in specialized shops

47.22

Retail sale of meat and  meat products in specialized shops

47.23

Retail sale of fish, crustacean and shell fish in specialized shops  

47.24

Retail sale of  bakery, flour and  sugary confectionary in specialized shops

47.29

Other types of retail sale of food in specialized shops  

47.51*

Retail sale of textile  products in specialized shops  

47.59.2

Retail sale of musical instruments and scores in specialized shops  

47.61

Retail sale of books in specialized shops

47.62

Retail sale of newspapers and stationeries in specialized shops  

47.64

Retail sale of  sports equipment in specialized shops  

47.65

Retail sale of games and toys in specialized shops

47.71**

Retail sale of clothing in specialized shops

47.72*

Retail sale of shoes and leather goods in specialized shops  

47.73.0

Retail sale of pharmaceuticals in specialized shops  

47.74

Retail sale of medical and  orthopedic products in specialized shops

47.78.2

Retail sale of bicycles in specialized shops

55.20.0

Provision of housing for weekends and other periods of short-term accommodation

55.90 ***

Other types of accommodation

56.1

Restaurants and food stuff delivery services

56.2

Food delivery services and other  food stuff delivery services

73.11

Advertising agency activity

77.21

Rent and lease of the entertainment and sport equipment.

85.10.0

Preschool (pre-primary) education

93.13

Fitness club activity

96.02

Provision of services by hairdressing and beauty saloons  

96.04

Health and fitness activity

* — on loans above KZT 3 mio. confirmation of the Certificate of production in the Republic of Kazakhstan is required;
** — on loans above KZT 3 mio. confirmation of the Certificate of production in the Republic of Kazakhstan is required, except for the class of “retail sale of  furs”;
*** — Financing under the Program is not applied to  “workers settlement” and “railway sleeping coaches”.

Personal service

Prompt loan granting guarantee

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