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Lending program "Sybaga"

Lending conditions parameters

Lending conditions

Source

Own funds

Target group

legal entities, PF, FE

Purpose of the program

Ensuring the increase in the number of cattle of meat direction

Ensuring an increase in the number of small cattle

Targeted purpose

- acquisition of breeding stock for cattle for the reproduction of young beef;

 

- acquisition of fixed assets; *

 

- Replenishment of working capital *

- acquisition of livestock of SC;

 

- acquisition of fixed assets; *

 

- Replenishment of working capital *

Amount

Up to 40 million (forty million) tenge

Up to 30 million (thirty million) tenge

Term of non-revolving credit line/credit

- no more than 180 (one hundred and eighty) months

- no more than 120 (one hundred twenty) months

Interest rate

 

14.0% per annum, the annual effective interest rate is not more than 16.4% per annum with the condition of subsidizing the interest rate by 10.0% per annum, for loans for the acquisition of the breeding stock of cattle, small cattle, agricultural machinery, including trailed and attached equipment and of fixed assets, the interest rate will be 4.0% per annum, the annual effective interest rate will not exceed 4.4% per annum and subsidize the interest rate at 5.0% per annum, for loans to replenish current assets, the interest rate will be 9.0% per annum , the annual effective interest rate is not more than 9.7% per annum

Source

Funds of the program "Productive employment"

Target group

legal entities, PF, FE, PE

Purpose of the program

Ensuring the increase in the number of cattle of meat direction

Ensuring an increase in the number of small cattle

Targeted purpose

- acquisition of breeding stock for cattle for the reproduction of young beef;

 

- acquisition of fixed assets; *

 

- Replenishment of working capital *

- acquisition of livestock of SC;

 

- acquisition of fixed assets; *

 

- Replenishment of working capital *

Amount

up to 12 million (twelve million) tenge

Term of non-revolving credit line/credit

- no more than 84 (eighty four) months

Interest rate

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

- 6% per annum, the annual effective interest rate is not more than 6.7% per annum

The grace period for the repayment of ML

no more than 24 (twenty 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

On projects aimed at the acquisition of breeding and/or purebred breeding stock of cattle, the following structure is possible:

 

- at least 25% of the total amount of collateral available immovable/movable property;

 

- the remaining part in the form of property coming in the future, in the form of equipment and / or equipment purchased at the expense of borrowed funds, pedigree and/or purebred cattle;

 

- Admission of up to 100% of acquired breeding/purebred cattle is allowed

According to Collateral policy of the company