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Lending program "Bereke"

Lending conditions parameters

Lending conditions

Source

The funds of the program "Productive employment"

 

The funds raised in the share capital, own funds

Target group

According to the program "Productive employment"

Individuals, PF, F, IE

legal entities, PF, F, IE

Purpose of the program

Fattening of farm animals and birds for the purpose of obtaining agricultural products

Special purpose

- Acquisition of cattle, cattle, horses, other farm animals and birds for the purpose of breeding, reproduction and obtaining agricultural products;

-     Purchase of feed

From the FRSC:

- acquisition of livestock for cattle, for the purpose of fattening and obtaining agricultural products;

- purchase of feed;

From the OF:

- acquisition of cattle, small cattle, horses, other farm animals and birds for the purpose of fattening and obtaining agricultural products;

-consumption of feeds

Amount

Up to 4 million (four million) tenge

Up to 40 million (forty million) tenge

The term of the credit line/loan

- no more than 78 (seventy eight) months 

Interest rate

- no more than 6.0% per annum

- 6% per annum, the annual effective interest rate is no more than 6.7% per annum

The grace period for the repayment of ML

no more than 9 (nine) months

Grace period for the redemption of remuneration

 no more than 9 (nine) months

Periodicity of ML repayment

Monthly / quarterly / 1 (one) semi-annually / 1 (one) once a year, with the possibility of partial / full early repayment within the crediting period

Periodicity of repayment of remuneration

Monthly / quarterly / 1 (one) semi-annually, with the possibility of paying off the accrued interest during the crediting period for the actually used period

Repayment method

Annuity (with maturity equal payments) / differentiated (with repayment of principal debt in equal shares) / provision of flexible schedule

Provision

According to Collateral policy of the company

Project constraints

A loan of over 4,000,000 (four million) tenge can be applied only by one member of one agricultural cooperative having experience in the field of fattening of farm animals for at least 2 years, and having the necessary infrastructure for maintaining the purchased livestock

 

TYPICAL BUSINESS PLANS

Business plan of a milk receiving center for 2 tons

Business plan for a small feedlot for 20 animals

Business plan of a mini-greenhouse

Business plan of the slaughterhouse

Financial model for the business plan of the slaughterhouse

Financial model to the business plan of a small feeding ground for 20 animals

Financial model for the business plan of a milk receiving center for 2 tons

Financial model for a mini-greenhouse