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Accessible micro-loans on any purposes
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Individual loan «PROFESSIONAL»
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For individual entrepreneurs with experience in running business at least 1 year
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For legal entities, carrying out any types of economic activity not prohibited by the laws of the RK and KMF internal documents.
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In case if commercial real estate is acquired for commercial purposes, real estate to be acquired can serve as security. In this case Borrower should pay at least 30% of the acquired object from his/her own funds according to KMF estimate.
In case if a land plot is acquired to construct a commercial object, land plot to be acquired should have a relevant target use.
Borrowers with positive experience and credit history, get access to microloan «SEASON» (funding in seasonal sales period).
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Loan terms:
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| Maturity term: | |
up to 60 months (grace period is possible)
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| Loan_amount: | |
2 000 001 - 10 000 000 KZT
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| Security: | |
real estate, combinations with real estate
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Required documents:
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ID (copy verified with original by Loan Officer). Identity documents are: passport or ID of RK resident; residence permit; ID of a person without residency.
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Taxpayer certificate (copy verified with original by Loan Officer).
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Document to confirm residence (registration)
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Color document photo 3õ4.
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Borrowers registered as individual entrepreneurs without being legal entities, should additionally provide copy and original to verify certificate of individual entrepreneur’s state registration, patent or another document confirming business activity without being a legal entity, in the manner prescribed by law. In case of licensed activity, copy with an original should be provided to verify the license.
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Title documents on collateral.
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Required documents on legal entities:
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Officially certified copies of the Charter and Articles of Association (Articles of Association are not required if the founder is one person only), state registration certificate, TRN and statistics card.
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Officially certified card with signature samples and stamp impression.
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Copy of a license if activity is licensed.
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Document to confirm authority when agreements are signed
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Decision of an authorized agency regarding appointment of an executive body manager, if the Charter or Articles of Association do not specify who is to be appointed to this position.
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Decision of an authorized agency on approval to provide a microloan and provide security (if pledger is a borrower or another legal entity) and regarding execution of relevant agreements.
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Financial reporting for 1-3 last years (as required by Credit Committee);
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Documents regarding absence of indebtedness:
Documents mentioned in cl. 1, 4, 5, 6, are also provided if pledger is another legal entity.
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Target use:
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To develop business (trade, manufacturing, services);
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For consumer purposes: education, treatment, renovation, medical services, purchase of furniture, household appliances etc.;
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To conduct solemn events;
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To acquire, construct, renovate and reconstruct real estate (residential and commercial);
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To acquire transport vehicles (for personal use and for commercial goals);
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Other types of field husbandry.
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On agricultural needs:
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In cattle breeding:
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Purchase of heavy and light beasts and their feeding;
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Pig breeding;
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Milk and dairy products’ manufacturing;
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Purchase and poultry operation;
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Storage and/or purchase of hay and fodder;
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Bee-keeping, fish breeding;
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Other.
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Field-husbandry:
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Agricultural crops’ growing;
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Purchase of seeds and organics;
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Payment of services on lands’ processing;
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Purchase of inventory to use in household;
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Purchase of equipment, accessories and materials for green-houses and hot houses;
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Vegetable farming;
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Horticulture;
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Also to acquire agricultural equipment and spare parts.
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