Loan Products

ACF offers a range of loan products, including both secured and unsecured individual loans that are available to existing businesses, as well as group loans also available to start-up businesses. All loans are offered in Kazakhstani Tenge (KZT) and are designed specifically to meet client needs.

Group Loans

loan-group-300Unsecured loans designed for groups mostly of women who are engaged in trade, small production, family farming, crafts and services.

 

  •  Zero collateral required
  •  Efficient processing procedure
  •  Fast loan request review
  •  Free consultations on business and small holder farming development
  • Long-term financial partnership
Аpproximate calculation:
Amount of loan month payment per month (tenge) overpayment (tenge)
200 000 6 39 004 34 023
12 22 071 64 846
500 000 6 97 423 84 537
12 55 157 161 885
  • Group size — 3 to 10 members
  • Loan amount—maximum 1.0 mln. KZT per group member
  • Loan term—maximum 24 months
  • Annual effective and nominal interest rate from 40%
  • Personal identification
  • Proof of Address
  • Business registration documents

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Individual Loans

loan-individual-300 Loans for the purpose of working capital, equipment and livestock procurement, and consumer needs.

 

  • Zero collateral required
  • Approach tailored to individual client needs
  • Fast loan request review
  • Free business development advice service
  • Long-term financial partnership
Аpproximate calculation:
Amount of loan (tenge) month payment per month (tenge) overpayment (tenge)
200 000 6 38 832 32 990
12 22 028 64 336
500 000 6 97 209 83 256
12 55 021 160 254
  • Loan amount—maximum 1 000 000 KZT
  • Loan term—maximum 36 months
  • Annual effective and nominal interest rate from 40%
  • Personal identification
  • Proof of Address
  • Business registration documents

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Individual secured loans

Individual secured loansLoans for the purpose of development and business extension, repair of commercial and residential real estate, support of agriculture and satisfaction of the consumer’s needs.

  • Loan amount: from KZT 1 500 000 to KZT 19 000 000
  • Loan term: up to 60 months
  • No commission fee
  • Annual effective and nominal interest rate: from 36%
Approximate calculation
Amount of loan (tenge) month payment per month (tenge) overpayment (tenge)
1 500 000 12 155 226 362 712
24 93 409 741 816
36 73 926 1 161 336
3 000 000 12 307 415 688 980
24 183 563 1 405 512
36 144 330 2 195 880
5 000 000 12 507 321 1 087 852
24 300 563 2 213 512
36 234 750 3 451 000
  • Personal identification
  • Proof of address
  • Business registration documents. In case of pension – pension card, in case of official work—certificate of salary
  • Originals of the title documents for suggested security
  • Marriage/marriage dissolution certificate (if available)
  • Approach tailord to individual client needs
  • Fast loan request review (we know the value of your and our time)
  • Flexible schedule of repayment, if necessary
  • Free-of-charge consultations on development and extension of your business
  • Decrease of the interest rate in subsequent lending is provided

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Residential Energy Efficiency Lending (REEL) Loans

loan-energy-300REEL loans are designed to provide homeowners in rural areas with the funds necessary for energy-efficient renovation and construction work. The REEL loans can be used for the following purposes:

  1. Repair and reconstruction of residential/commercial buildings:
    • Installation of replacement windows, doors, roofing and flooring
    • Insulation of window and door openings, roofing, attics, basements, flooring, and external and internal walls
  2. Installation and replacement of heating systems:
    • Replacement of radiators
    • Installation of energy efficient boilers
    • Access to gas pipelines and heating
  3. Installation of renewable energy sources.

  • Zero collateral required
  • Flexible repayment
  • Fast loan request review
  • Free repair and construction works advice
  • Long-term financial partnership
Аpproximate calculation:
Amount of loan (tenge) month payment per month (tenge) overpayment (tenge)
200 000 6 38 256 29 536
12 21 517 58 204
500 000 6 95 640 73 839
12 53 793 145 511
  • Loan amount – maximum 1 million KZT
  • Loan term—maximum 36 months
  • Annual effective and nominal interest rate from 40%
  • Personal Identification
  • Proof of Address
  • Construction authorization documents
  • Real estate ownership documents
  • Marriage certificate (if applicable)
  • Business registration documents


Request a call back