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Lending program «Yntymak»

Parameters

Lending conditions

Source

The funds of the program "Productive employment"

Own funds, the funds raised in the share capital

Target group

Agricultural production cooperatives

Purpose of the program

Creation and development of service-procuring and processing organizations

Creation and development of service-procuring and processing organizations for meat, dairy, horticultural and other products

Special purpose

- purchase of machinery and / or equipment for service-procuring and processing organizations;

- Replenishment of working capital

- purchase of machinery and / or equipment for service-procuring and processing organizations for meat, dairy, horticultural and other products, as well as for the production and harvesting of feed;

- Replenishment of working capital

Amount

Up to 8,000 MCIs

Up to 50 million (fifty million) tenge

The term of the credit line/credit

- no more than 78 (seventy eight) months;

- no more than 60 (sixty) months to replenish working capital

- no more than 84 (eighty four) months;

- no more than 60 (sixty) months to replenish working capital

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

Grace period for the repayment of ML and remuneration

- no more than 9 (nine) months for the purchase of equipment and / or equipment;

- no more than 6 (six) months for replenishment of working capital

Periodicity of ML repayment

Monthly / quarterly / 1 (one) semi-annually, with the possibility of partial / full early repayment

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

With financing for the purchase of a modular milk-receiving / slaughtering station, with the subsequent provision of a purchased modular milk-receiving / slaughtering station to secure a credit line, compliance with the collateral structure is not necessary.

When financing other equipment and equipment, the structure of collateral is as follows:

- at least 40% of highly liquid / liquid collateral;

- no more than 60% of weakly liquid security (only property coming in the future, in the form of equipment and / or equipment for service and procurement organizations for meat, dairy and fruit and vegetable products purchased from borrowed funds)

 

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