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
- 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);
- Other projects- Non-investment projects - up to KZT 5 billion per borrower, up to KZT 10 billion per group of borrowers;
- Up to 10 billion tenge on Credit Partnerships.
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