Applying for credit through the credit partnership system

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Recipients
Individual entrepreneurs
Peasant farms
Agricultural production co-operative
Farms
Legal entities
Cost of the service
Free of charge
Terms of the service delivery
No more than 30 business days from the date of submission of documents
Full name of service
Applying for credit through the credit partnership system
Additionally

Laws and legislation: State program for the development of productive employment and mass entrepreneurship for 2017-2021 "Enbek "and internal regulations of JSC"agrarian credit Corporation".

How to obtain a service online

  1. Sign in on the portal and click “Order Service Online” button (to obtain the service you should be registered on the portal at https://credit.kazagro.kz/ru/ website).

How to get the service in the state body (necessary documents):

For individuals, individual entrepreneurs, peasant farms, farms (general list):

  1. Funding application as per template.
  2. Know Your Client questionnaire for legal entities according to the template.
  3. Know Your Client questionnaire for individuals PF/F/IE according to the template.
  4. Consent of the subject of credit history to provide information about him to credit bureaus (when concluding an agreement) according to a template.
  5. Consent of the subject of credit history to issue a credit report from the credit bureau (as of the date of application for financing) according to the template.
  6. The consent of the borrower to provide information on loans granted to him and all information on performance of obligations under such loans to the authorized bodies and/or KazAgro Holding JSC according to the template.
  7. Documents confirming the applicant/borrower's legal status as an PF/Farm/IE (certificate/information on state registration of an IE/attachment to the certificate/information on the composition of the PF/Farm, if the PF/Farm is established in the form of a joint venture (original)/extract from the state electronic register of permits and notifications of notifications sent by applicants/documents on the land plot provided for running the PF/Farm, joint activity agreement, etc.).
  8. The decision of the local executive body on granting a land plot on the right of private ownership or on the right of temporary compensatory land use for the peasant (farm) economy, an agreement on the lease (purchase and sale) of the land plot and the act on the right of private ownership or temporary compensatory land use.
  9. Document with signature samples and seal imprint PF/Farm/IE.
  10. Identity card of the chapter of the PF/IE, in the case of multiple members of the PF, copies of the identity cards of all members of the PF.
  11. Tax return for the last reporting year marked by the Tax Committee on submission of the report or electronic confirmation.
  12. Certificate of servicing bank on availability of accounts, loan/overdue debts, turnover with indication of incoming and outgoing balance of money at the beginning and end of the month, for the last 12 months, on availability/absence of debt on К-2 (term of certificate issue not earlier than 3 months before the date of CC project consideration).
  13. Certificate of absence (availability) of the Borrower for the last reporting quarter preceding the date of application, tax debt, debt on mandatory pension contributions and social contributions, or reconciliation report issued by the tax authorities.
  14. Minutes of the general meeting of the members of the PF/Farm for taking a loan (providing a guarantee), indicating its amount, term and intended use, with notarized authentication of the authenticity of the signatures of the members of the PF/Farm (in case the head of the PF/Farm operates on the basis of personal entrepreneurship, a decision is not required).
  15. Business - a plan or feasibility study of the loan with supporting documents or other documents that allow to assess the creditworthiness of the Borrower, not limited to the following information:
  16. Documents on pledged property according to the list.
  17. Documents for the mortgagor according to the list.

For legal entities:

  1. Certificate/rectification of state (re)registration (with indication of BIN), Articles of Association*, foundation agreement (in case the Articles of Association do not contain complete information about the participant/s and the size of his/her share in the charter capital).
  2. For JSC/LLP (keeping a register of participants, which is maintained by a registrar): an extract from the system of registers of securities holders, indicating all shareholders and the number of shares owned by them, dated not earlier than 1 (one) month before the date of application.
  3. If the Borrower has participants with a share in the authorized capital exceeding 10%, they are provided:
  • For individuals - identity documents;
  • For legal entities - constituent documents or register of shareholders (participation shares) (to identify the beneficial owner).
  1. For PC/APC additionally:

Documents confirming compliance with the procedure of convocation of the authorized body of the legal entity that made the decision on granting a security/issuance of a guarantee (in the absence of a quorum of participation of persons vested with the right (powers) to make the relevant decision).

Documents confirming the rights of the members of the Cooperative to share in case the member has not made a contribution:

  • Documents on the basis of which the share (share) of the Cooperative member was transferred to the new owner (contract of purchase-sale/deed of gift/change of share);
  • Documents confirming compliance with the preferential right of purchase - when transferring the share (part of it) to a citizen who is not a member of the cooperative;
  • Documents confirming payment of the unit's cost – gratuitous purchase of the unit.
  1. If there are participants  – foreign legal entities, documents under clause 1,2 shall be provided with the obligatory requirement of availability (except for cases provided by legislation and/or international agreements):
  • Document apostilization;
  • Notarized translation of documents.
  1. Document with specimen signatures and seal imprint of the legal entity. **
  1. ID card (indicating the IIN) of the first manager, registration certificate of non-resident registration as a taxpayer (if the manager is a foreign citizen).

Decision of the authorized body of the Borrower on formation of the executive body, on election/appointment of the Board of Directors of JSC and appointment of the manager/authorization issued to the authorized person confirming its authority to sign credit and pledge documentation on behalf of the Borrower.

  1. Financial statements (balance sheet, profit and loss statement, cash flow statement, equity capital change statement) of the Borrower for the last quarter and the last two reporting years with transcripts to balance sheet items and/or information posted on websites, allowing to make analysis of the Borrower's financial condition; if there are audited financial statements. Tax return for the last reporting year marked by the Tax Committee on submission of the report or electronic confirmation.
  2. Certificate of servicing bank on availability of accounts, loan/overdue debts, turnover with indication of incoming and outgoing balance of money at the beginning and end of the month, for the last 12 months, on availability/absence of debt on К-2 (term of certificate issue not earlier than 3 months before the date of CC project consideration).
  3. Certificate of absence (availability) of the Borrower for the last reporting quarter preceding the date of application, tax debt, debt on mandatory pension contributions and social contributions, or reconciliation report issued by the tax authorities.
  4. Decision of the authorized body of the Borrower on application for the loan, transfer of property as a pledge with granting the right to extrajudicial sale, granting a guarantee, issuing a guarantee, with notarized authentication of signatures of the participants.
  5. State license (if the activity carried out by the Borrower is subject to licensing under the legislation of the Republic of Kazakhstan) (if any).
  6. Business-plan or feasibility study of the loan with supporting documents or other documents that allow to assess the creditworthiness of the Borrower.
  7. Documents on pledged property according to the list, documents for the mortgagor according to the list.

For information: this list is a minimum list of documents for project analysis. in the process of reviewing these documents, additional necessary documents and references may be requested for a full analysis.

Result of the service delivery

Notification of the loan application review.