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The program "Agrotechnics"

 

Characteristics of terms of credit

Credit terms

Sales chanel

CP

LC

Target group

 

Crediting of CP / LC for the subsequent financing of agro-industrial complex subjects on:

NF RC:

-        purchase of new, domestic production, trailed and mounted tillage, forage equipment, equipment for processing and drying agricultural crops, equipment for animal husbandry

OF/RF:

purchase of new agricultural machinery / special equipment / vehicles and / or attached / trailed equipment (excluding cars)

Interest rate

 

NF RK:

-        2.5% per annum (AEIR - from 2.5% per annum) (for final borrowers - no more than 5.5% per annum)

OF/RF:

-        up to 9.5% per annum (AEIR - from 9.5% per annum) (for final borrowers - no more than 15% per annum)

up to 11% per annum (AEIR- from 11% per annum) (for final borrowers - not more than 15% per annum)

Credit line / credit term

NF RK:

– up to 60 months.

OF/RF:

-        purchase of agricultural machinery / vehicles (excluding motor vehicles) - up to 84 months;

-        acquisition of attachments / trailers - up to 36 months

Currency

Tenge

Amount

from 100 000 tenge to 25% of the Corporation's own capital

from 1,000,000 tenge to 25% of the Corporation's own capital (no more than the amount of risk limit on LC determined by the decision of the AB)

The grace period for the repayment of PD

No more than 12 months

Collateral

1. According to the Collateral Policy.

2. Purchased new, domestic production, trailed and mounted tillage, feed processing equipment, equipment for processing and drying agricultural crops, equipment for livestock, as well as agricultural machinery / vehicles and / or attachments / trailers (except for motor vehicles) are accepted as collateral with the application of a liquidity ratio of 1,0.

1. According to the Collateral Policy.

2. 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 lower than B3 on the scale of Moody`s Investors Servis;

3. On the security of the right of claim / pledge of the subject of leasing / assignment of the right of claims in accordance with the following requirements:

-  experience in the field of leasing and / or supply and maintenance of agricultural machinery should be at least 5 (five) years, except for companies owned by companies that have experience in financial activities and / or supply and maintenance of agricultural machinery at least 5 ( five) years with participation of the above-mentioned companies in the authorized capital not less than 50%;

- the amount of equity capital is not less than 200,000,000 tenge;

- liquidity ratio - 0.5;

- absence of current overdue debt;

- absence of overdue debts with a total period of more than 30 calendar days for the last 3 (three) years for each loan, and / or for each loan individually within the credit line;

- the NPL level for the last 12 months should not exceed 10% of the loan portfolio;

- limit of financing - no more than 3 own capitals;

- compulsory insurance of the leased asset;

- the amount of the initial contribution from the lessee must be at least 15% of the value of the leased asset for the DFL.

  

 

 

Letter from the Kazakhstan Association of Appraisers

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

 

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