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Lending program  «Yrys»


Financing conditions parameters

Financing conditions


Own funds

Purpose of the program

Creation and expansion of dairy farms

Target group

legal entities, PF, FE, IE

Number of livestock

From 50 to 100 (inclusive) livestock of cattle

Targeted purpose

1) acquisition of a breeding stock of small cattle in the dairy direction of productivity;

2) purchase of necessary agricultural machinery and equipment for dairy farms subject to subsidy according to the subsidy rules for reimbursement of a part of expenses incurred by a subject of the agro-industrial complex with investment investments;

3) replenishment of working capital in the amount of not more than 15 (fifteen) % of the loan / credit line amount


Up to 85 000 000

(Eighty five million) tenge

Term of the loan / line of credit

- up to 120 (one hundred and twenty) months;

- up to 36 (thirty six) months for replenishment of working capital

Interest rate

6,0% per annum,

Annual effective interest rate is no more than 6.7% per annum;

Grace period for the repayment of ML

- no more than 24 (twenty four) months;

- no more than 12 (twelve) months for a working capital loan / credit line

Grace period for the redemption of remuneration

- no more than 12 (twelve) months;

- no more than 6 (six) months for a loan / credit line 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 (once) semi-annually, with the possibility of paying off the accrued interest during the term of financing 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


According to Collateral policy of the company