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Lending program «Koldau»

Lending conditions parameters

Lending conditions

Purpose of the program

Support and development of business, ensuring economic activity of persons belonging to the target group

Target group

1) individuals - women, persons with a disability at the time of application, young people under 29 years old, oralmans registered and residing in Kyzylorda, Mangistau oblasts (except for the regional center);

2) peasant, private farms, individual entrepreneurs, legal entities that carry out entrepreneurial activities registered in Kyzylorda and Mangistau oblasts (except for the regional center) and plan to employ persons indicated in subparagraph 1)

Special purpose

Expansion and development of agriculture, including the production of organic products, eco-tourism, handicraft, production / processing of goods, works, services using energy-efficient and water-saving technologies

Source of lending


The maximum loan amount per one Borrower

not more than 3 000 000 (three million) tenge

Financial instrument


Interest rate

4% per annum, the annual effective interest rate is not more than 4.4% per annum

Maximum lending period

no more than 60 (sixty) months

Periodicity of ML repayment

-monthly / quarterly / 1 (once) half a year / 1 (once) once a year, with the possibility of partial / full early repayment during the crediting period

Periodicity of repayment of remuneration

-monthly / quarterly / 1 (once) every six months, with the possibility of paying off the accrued interest during the crediting period for the actually used period

Grace period for repayment of ML and remuneration

Not more than one third of the lending period

Repayment method

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


According to Collateral policy of the company