Loans

Loan conditions of SF AO “DB “KZI-Bank” for legal persons:

Lending/loan for complementing revolving fund under mortgage/pledge:

Real estate pledge
New production equipment pledge
Pledge of vehicles not older than 3 years
Under guarantee (guarantee by real or legal person)

Purpose	Complementing the revolving fund
Loan term	1 to 84 months (7 years)
Loan interest	* 8% for Tenge, 4% for USD
Loan currency	Tenge; * USD
Loan amount	* Maximum loan amount is 500,000 US Dollars
Loan guarantee	Real estate (flat, house, plot)
Insurance (type and manner of provision)	The insurance of the pledged property is taken out by the borrower
Commissions	For loan up to 50,000 $ - 15,000 Tenge For loan from 50,001 to 100,000 $ - 30,000 Tenge For loan from 100,001 to 300,000 $ - 75,000 Tenge For loan of 300,001 $ and more: If maturity is up to 1 year – min. 0.50%, max. 1% of the loan amount If maturity is up 1 to 3 years– min. 0.70%, max. 1.5% of the loan amount If maturity is over 3 years – min. 1.50%, max. 3% of the loan amount
Full settlement of the long-term loan	* If settled within 1 year as from the date of allocation, no penalty is applied.

Annual Effective Interest Rate is 8.13% for Tenge, 4.36% for US Dollar

List of documents required to be presented as a minimum by the applicant for application of loan with real estate pledge.

1. Loan application form

2. Legal entity formation documents (statute, articles of incorporation)

3. Registration certificate of the economical subject

4. Documents evidencing identities of the founder and the company director

5. Financial report for the last three years, with the tax statement attached

6. Certificate as to tax office debt to the budget

7. Business plan

8. Documents evidencing the rights on the pledged real estate

9. Valuation of the pledged real estate

** When necessary, the Bank may request additional documents. Kredinin verilmesi için istenilen ayrıntılı evrak listesini Bankadan alabilirsiniz.

Lending/loan line with new production equipment pledge

Purpose	Complementing the revolving fund
Loan term	1 to 36 months (3 years)
Loan interest	*14% for Tenge, for USD
Loan currency	Tenge; * USD
Loan amount	* Maximum loan amount is 300,000 USD, but should not exceed 75% of the valuated price of the equipment.
First installment	25% of the equipment purchased
Loan guarantee	New, unused production equipment
Loan conditions	Real estate being purchased and/or another real estate will be provided as security. Costs of valuation of the real estate provided as security will be paid by the loan applicant.
Insurance (types and conditions)	The insurance of the pledged property is taken out by the borrower
Commission	For loan up to 50,000 $ - 15,000 Tenge For loan from 50,001 to 100,000 $ - 30,000 Tenge * For loan from 100,001 to 300,000 $ - 75,000 Tenge
Full settlement of the long-term loan	* If settled within 1 year as from the date of allocation, no penalty is applied.

Annual Effective Interest Rate is 15.16 % for Tenge, for US Dollar

List of documents required to be presented as a minimum by the applicant for application of loan with new production equipment pledge.

1. Loan application form

2. Legal entity formation documents (statute, articles of incorporation)

3. Registration certificate of the economical subject

4. Documents evidencing identities of the founder and the company director

5. Financial report for the last three years, with the tax statement attached

6. Certificate as to tax office debt to the budget

7. Business plan

8. Documents evidencing the rights on the pledged equipment

9. Valuation of the pledged equipment

** When necessary, the Bank may request additional documents. You can obtain the detailed list of documents requested by the Bank for allocation of the loan.

Lending/loan line with pledge of vehicle not older than 3 years

Purpose	Complementing the revolving fund
Loan term	1 to 24 months (2 years)
Loan interest	* 8% for Tenge, 4% for USD
Loan currency	Tenge; * USD
Loan amount	* Maximum loan amount is 50,000 US Dollars
Evidence of income by documents	Income should certainly be evidenced by documents
Loan guarantee	* Guarantee by real or legal person
Insurance (types and conditions)	The applicant will compulsorily take out insurance for the mortgaged immovable.
Commissions	For loan up to 50,000 $ - 15,000 Tenge
Full settlement of the long-term loan	* If settled within 1 year as from the date of allocation, no penalty is applied.

List of documents required to be presented as a minimum by the applicant for application of loan with guarantee by legal person.

List of documents required to be presented as a minimum by the applicant for application of loan with guarantee by real person.

1. Loan application form
2. Legal entity formation documents (statute, articles of incorporation)
3. Registration certificate of the economical subject
4. Documents evidencing identities of the founder and the company director
5. Financial report for the last three years, with the tax statement attached
6. Certificate as to tax office debt to the budget
7. Business plan
8. Identification card of the guarantor
9. Information on the workplace and position
10. Documents regarding the incomes during the last 6 months, other documents showing salary and other incomes of the guarantor
11. Individual pension account certificate of the guarantor for the last 6 months
12. Certificate regarding registered address of he guarantor.

** When necessary, the Bank may request additional documents. You can obtain the detailed list of documents requested by the Bank for allocation of the loan.