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The «Kolkanat» program

 

Characteristics of terms of credit

Terms of credit

Target group

STB, leasing companies, microfinance organization

Aim of the program

Lending to STB and leasing companies, microfinance organization for subsequent financing of  agro-industrial complex

Currency of the loan:

Tenge

Loan amount

For STB / leasing companies / microfinance organizations

 - up to 25% of the Corporation's own capital, but no more than the amount of the risk limit for the STB / leasing company / microfinance organization established by the decision of the Corporation's Authorized body.

Loan / credit line term

Up to 96 months

Interest rate from own funds and borrowed funds

11% per annum (AERR - from 11% per annum)

Repayment grace period  of PD and fee:

-    gardens – up to 36 months;

-    other directions - up to 24 months

Collateral

1) STB - without collateral, within the limit established by the decision of the Authorized Body;

2) leasing companies - without collateral, if there is a rating from international rating agencies not lower than "B-" on the scale of       S & P Global and / or Fitch Ratings and / or at least B3 on the scale of Moody's Investors Servis or a guarantee STBs with a rating from international rating agencies not lower than "B-" on the scale of            S & P Global and / or Fitch Ratings and / or not lower than B3 on the scale of Moody's Investors Servis or according to the Collateral Policy;

3) microfinance organizations - a guarantee of STBs rated at least "B-" on the S & P Global scale and / or Fitch Ratings and / or no lower than "B3" on the scale of Moody's Investors Service or according to the Collateral Policy.

 

   

 

 Letter from the Kazakhstan Association of Appraisers

Letter from the Chamber of professional appraisers in the north-Kazakhstan region

 

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