Business Credit Loan

Lending purpose​

1. Working capital financing;

2. Investment purposes;

3. Refunding of loans received in other Banks provided that there is no overdue debt;

4. Refunding of expenditures incurred.

Financing type​

Loan/Revolving/Non-revolving credit facility

Term

WCF – no more than 36 months.

Investment purposes – no more than 84 months.

Collateral​

For amounts of up to KZT 50 million — cover at least 100% (Principal debt + interest for 3 months), incl.:

- real estate, deposit – not less than 50% ;

- remaining cover – movable assets, and the share of goods for sale in the structure of movable assets shall be not more than 60%.

 For amounts over KZT 50 million — cover at least 100% (Principal debt + interest for 3 months), incl.:

- real estate, deposit – not less than 70%;

- remaining cover – movable assets .

Loan currency​

KZT, USD, RUR, EURO

Repayment of interest​

Monthly

Repayment of principal debt​

Monthly, in equal installments or by annuity payments.

Fees​

According to the Tariffs Catalogue by SB Sberbank JSC.

Penalty for late repayment of principal debt and interest​

For individual entrepreneurs – 0.5% of the amount of outstanding payments for each overdue day, but no more than 10% of the amount of the issued loan for each year of loan term.

For legal entities – 0.5% of the amount of outstanding payments for each overdue day.