Applying for loan/ micro-credit Guarantees in cities and rural areas

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 website credit.kazagro.kz/ru).

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

For individual entrepreneurs:

1. Application form for warranty according to the template.
2. Referral for loans from the Employment Center.
3. Identity document.
4. Notification of starting a business as an IE / IE Certificate.
5. Signature and seal specimen document.
6. The consent of the subject of credit history to provide information about him to the credit bureau, as well as to issue a credit report to the recipient of the credit report in the form of a guarantor according to a template.
7. The consent of the subject to thjavascript:void(0);e provision and receipt of information, information on the loan issued and all information on the fulfillment / non-fulfillment of obligations under the loan agreement to state (including law enforcement) / non-state bodies, mass media, as well as KazAgro National Management Holding JSC and its subsidiaries in the form of a guarantor according to the template.
8. Certificate of absence (existence) of tax arrears and other mandatory payments to the budget, mandatory pension contributions and social contributions.
9. Information on all available accounts with second-tier banks.
10. Information on the existence of loan debts, including overdue financial organizations (if there are any loans).
11. Credit agreements (if there are valid loans).
12. Document confirming the borrower's (co-borrower's) salary and/or other income - statement of the accumulative pension fund (if any).
13. Certificate of Atameken National Chamber of Entrepreneurs of the Republic of Kazakhstan under the program Bastau Business or Certificate of completion of training in the basics of entrepreneurship (only for beginners and start-up projects).
14. Credit report from the credit bureau.
15. Tax return for the last reporting period (if any).
16. Business plan (with the provision of information on financial and economic activities with supporting documents to expand the business of a start-up entrepreneur, except for start-up projects).

For peasant farm / farm:

1. Application form for warranty according to the template.
2. Referral for loans from the Employment Center.
3. Information on the registration of the taxpayer as a joint venture with the State Revenue Department (on the composition of the PF/Farm).
4. Identity document of the chapter of the PF/Farm.
5. Notification of start of activity as a IE by PF/Farm / Certificate of IE by PF/Farm.
6. Signature and seal specimen document PF/Farm.
7. Decision of the competent body of the PF/Farm on the appointment of the head of the PF/Farm (not required if the PF/Farm is made up of one member).
8. Power of attorney of the Head of the PF/Farm from the members of the PF/Farm to represent the interests in obtaining a microcredit and guarantee (with notarized signatures of all members of the PF/Farm) (not required if the PF/Farm consists of one member).
9. Identity card for each member of the PF/Farm (not required if the PF/Farm consists of one member).
10. Decision of the authorized body of the PF/Farm that made a decision to attract a guarantee and a loan/microcredit, to pledge the property (not required if the PF/Farm consists of one member) For a peasant farm/farm that consists of one member, an individual entrepreneur - a notarized consent of the spouse (-gi) to pledge the property / declaration of absence of marital relations at the time of the property pledge.
11. The consent of the subject of credit history to provide information about him to the credit bureau, as well as to issue a credit report to the recipient of the credit report (on behalf of the PF/Farm according to the template of the individual - head of PF/Farm) in the form of a guarantor.
12. The subject's consent to the provision and receipt of information, information on the loan issued and all information on the fulfillment / non-fulfillment of obligations under the contract on granting a loan to state (including law enforcement) / non-state bodies, mass media, as well as the joint stock company KazAgro National Management Holding and its subsidiaries (on behalf of the PF / Farm and the individual - the head of the PF / Farm) in the form of a guarantor according to the template.
13. Certificate of absence (existence) of tax arrears and other mandatory payments to the budget, mandatory pension contributions and social contributions.
14. Information on all available accounts with second-tier banks.
15. Credit agreements (if there are valid loans).
16. Certificate of Atameken National Chamber of Entrepreneurs under the program Bastau Business or Certificate of completion of training in the basics of entrepreneurship (only for beginners and start-up projects).
17. Credit report from the credit bureau.
18. Tax return for the last reporting period (if any).
19. Business plan (with the provision of information on financial and economic activities with supporting documents on existing business, except for start-up projects).

For legal entities (including SEC):

1. Application form for warranty according to the template.
2. Constituent documents (Certificate/rectification of state registration/re-registration of the legal entity or a certificate from the website of the "e-government" on all changes of the legal entity, including SEC, the Charter, amendments and additions to the Charter of the legal entity, including SEC, founding agreement, Decision of the authorized body of the legal entity, including SEC, on appointment of the first head of the legal entity, Order on appointment of the first head of the legal entity, including SEC).
3. Document certifying the identity of the head of the legal entity, including the SEC.
4. Document with signature samples of the first manager and seal imprint of the legal entity, including the SEC.
5. Identity card for all founders, for all members of SEC.
6. The consent of the subject of credit history to provide information about him to the credit bureau, as well as to issue a credit report to the recipient of the credit report in the form of a guarantor according to a template.
7. The consent of the subject to the provision and receipt of information, information on the loan issued and all information on the performance / non-performance of obligations under the Agreement on granting a loan to state (including law enforcement) / non-state bodies, mass media, as well as KazAgro National Management Holding JSC and its subsidiaries in the form of a guarantor according to the template.
8. Decision of the authorized body of the legal entity, including the SEC, which took a decision to attract a guarantee and a loan/microcredit, to pledge property.
9. Certificate of absence (existence) of tax arrears and other mandatory payments to the budget, mandatory pension contributions and social contributions.
10. Information on all available accounts with second-tier banks.
11. Credit agreements (if there are valid loans).
12. Credit report from the credit bureau.
13. Tax return for the last reporting period (if any).
14. Business plan.
15. Financial documents of the Participant as of the beginning of the year and as of the last reporting date (with a transcript of accounts payable and receivable as of the beginning of the year and as of the last reporting date with an indication of the date when the indebtedness arose, the planned date of repayment and the subject of indebtedness, a transcript of fixed assets, inventory) certified by the seal of the Participant, statement of income and expenses for the last 12 months (if any) and decoding of items in the statement of income and expenses - income from sales, cost of the period, other income and expenses, volume of products sold in monetary and physical terms for the period under review.

Documents for MFI/CP:

1. Annex 2 to the Rules of Guarantee on Credits/Microcredits - a letter with a positive decision on the possibility of crediting with the calculation of the amount of the guarantee with the attachment of the act of acceptance and transfer of transferred documents according to the template.
2. Decision of the authorized body of MFI/CP on granting a loan/microcredit with a guarantor's guarantee.
3. Expert opinions of credit, collateral and legal subdivision, risk subdivision, security service of MFI/CP (if any).
4. Certificate of state registration of a legal entity or certificate from the website of the "e-government" on all changes of CP/MFI.
5. Charter of CP/MFI (Charter of the CP with the confirmation of the applicant's participation). In the absence of confirmation of the applicant's participation in CP, provide a guarantee obligation in the form of a guarantor.
6. Decision on appointment of CP/MFI manager.
7. Order for appointment of CP/MFI manager.
8. ID of the head of CP/MFI.
9. Document with specimen signatures of the first manager and a seal imprint of CP/MFI.

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.