Funding Currency
KZT
Interest Rate
-
From 23.5% to 24.8% (APR from 29.7% to 34.4%)*
Type of Credit
- Revolving/non-revolving credit line
Credit Term
- Investment purposes - up to 84 months
- Working capital replenishment – up to 60 months
Tranche under the credit line:
- up to 24 months for working capital replenishment
- up to 84 months for investment purposes
Loan Amount
Up to 120,000,000 KZT
Repayment Schedule
- Principal debt – monthly in differentiated payments; Interest – monthly
- Principal debt – monthly in annuity payments; Interest - monthly
- With 100% cash pledge under the discretion of the Bank's authorized body, the repayment schedule is set by agreement with the borrower. Interest payment – monthly
Grace Period for Principal Debt Repayment
- For working capital replenishment — up to 6 months
- For investment purposes — up to 12 months
Fees
According to the approved Bank tariffs**
Security
- Real estate
- Cash pledge
- Guarantee of "Damu" Entrepreneurship Development Fund JSC
- As additional security, vehicles and full joint guarantees of individuals and legal entities may be accepted.
* Remuneration rates were approved by the decision of the Asset and Liability Management Committee (Appendix No. 1 to Minutes No. 56-14 dated May 6, 2026)
** Tariffs do not apply/apply at the state-provided rate if stipulated by the agreement concluded between the Bank and the financial agency, and/or the legislation of the RK, and/or the terms of state programs, and/or by decision of the Bank's Authorized body.
