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Characteristics of terms of credit

Credit terms

Sales chanel

Direct borrowers

CP

MFO

STB

Target group

-        lending to borrowers for WCF for conducting SF and HW;

-        lending to borrowers for WCF, for the subsequent financing of agribusiness entities by advancing the purchase of crop products for the implementation of SF and HW;

-        substitution of own / borrowed funds used to finance borrowers for conducting SF and HW.

-        Crediting for the subsequent financing of final borrowers for WCF for carrying out of SF and HW;

-        Crediting for the subsequent financing of final borrowers for WCF, for the subsequent financing of agrarian and industrial complex entities by advancing the purchase of crop production for carrying out SF and HW.

replacement of own / borrowed funds used to finance final borrowers for the implementation of SF and HW

Loan term

RB:

before 1 December of the corresponding year of financing

RB+RF:

from December of the corresponding year of financing until 31 March of the following year for the year of financing

Interest rate

2% per annum (AEIR - from 2% per annum) (for loans to final borrowers of CP / MFO - margin not more than 4%)

1% per annum (AEIR - from 1% per annum) (with loans to final borrowers of  STB - margin not more than 4%)

RB+RF:

9.5% per annum (AEIR - from 9.5% per annum) * (for final borrowers - not more than 14% per annum)

Currency

tenge

Amount

from 1 000 000 tenge up  to 25% of the Corporation's own capital

From 1,000,000 tenge up  to 25% of the Corporation's equity capital (no more than the amount of the risk limit for MFO / STB's,  established by the decision of the AB)

Collateral

Guarantee of STB.

Property that meets the requirements of the Corporation's Collateral Policy.

Guarantee of RIC.

Without collateral.

 

   

 

 

Letter from the Kazakhstan Association of Appraisers

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

 

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