Program «Agro business»

Financing channels

  • Credit partnerships;

  • Microfinance organizations;

  • Second-tier banks;

  • Regional investment centers.

  • Branches of JSC "Agrarian Credit Corporation";

  • Leasing companies.

Collateral

According to the requirements:

  • Credit partnerships;
  • Microfinance organizations;
  • Second-tier banks;
  • Regional investment centers.

Collateral

According to the requirements:

  • Credit partnerships;
  • Microfinance organizations;
  • Second-tier banks;
  • Regional investment centers.

Special purpose

  • Acquisition of fixed assets;
  • Carrying out construction and installation works;
  • Replenishment of working capital;
  • Implementation of investment projects.

Remuneration rate

From own and/or borrowed funds:
Direct lending - 22% p.a. (HESA - from 22% p.a.), including subsidized interest rate - 6% p.a.
Credit partnerships, microfinance organizations, leasing companies, second-tier banks, regional investment centers - 18% p.a. (HESA - from 18% p.a.)

*(when lending to borrowers of credit partnerships, leasing companies, second-tier banks, regional investment centers - margin not more than 4%; when lending to borrowers of microfinance organizations - margin not more than 10%)

Minimum Loan amount

From KZT 1,000,000 (for NF RK and DKZ - from KZT 50 mln).

Loan term

  • up to 120 months;
  • for working capital replenishment 48 months

From the National Fund of the Republic of Kazakhstan - 6% p.a. (HESA - from 6% p.a.)

From the Republican budget:
Direct lending - 6% p.a. (HESA - from 6% p.a.);
Credit partnerships - 3% per annum (HESA - from 3% per annum, when lending to credit partnership borrowers - margin not exceeding 3%);
Second-tier banks - 2% p.a. (HESA - from 2% p.a., when lending to borrowers of second-tier banks - margin not exceeding 4%).

Maximum Loan amount

  1. Investment projects of borrowers/group borrowers for investment purposes (construction, construction and assembly works) - up to 7 billion tenge per investment project (at the same time, for existing borrowers it is possible to finance more than the established maximum amount when applying for expansion/modernization of the existing investment project);
  2. Other projects- Non-investment projects - up to KZT 5 billion per borrower, up to KZT 10 billion per group of borrowers;
  3. Up to 10 billion tenge on Credit Partnerships.
Program «AGRO BUSINESS»

Purpose: replenishment of working capital, acquisition of fixed assets

Transfer period: up to 7 years

Interest rate: 22% p.a.

Repayment procedure

Principal debt: in equal installments once a year

Remuneration: concurrently with the principal debt

Commissions: none

Program «AGRO BUSINESS»

Purpose: replenishment of working capital, acquisition of fixed assets

Transfer period: up to 7 years

Interest rate: 22% p.a.

Repayment procedure

Principal debt: in equal installments once a year

Remuneration: concurrently with the principal debt

Commissions: none

Long-term cooperation

Our partners