Bank of China Kazakhstan - Crediting

Crediting




Corporate crediting is subdivided into two types –  loan and  credit line.

Loan is an one-time provision by bank to the funds borrower for a certain term.
Credit line is a provision by bank to the borrower of the right to money within a limit during a fixed term.
Crediting purpose: replenishment of current assets, issue of guarantees, letters of credit, trade financing.
Interest rate: established individually according to each project taking into account history of cooperation of the Bank and the borrower, term of crediting, loan pledge.

Lending terms

Type of lending  

Real estate

Without pledge

Loan

Non- revolving credit line

Revolving credit line

Loan

Non- revolving credit line

Revolving credit line

Amount

max 70% out of  real estate market price, max 25% out of Bank’s Equity*

max 70% out of  real estate market price, max 25% out of Bank’s Equity*

max 70% out of  real estate market price, max 25% out of Bank’s Equity*

max 10% out of Bank’s Equity*

max 10% out of Bank’s Equity*

max 10% out of Bank’s Equity*

Term

from 3 to 36 months

from 3 to 36 months

from 3 to 36 months

from 3 to 36 months

from 3 to 36 months

from 3 to 36 months

Interest rate**

from LIBOR+3% to 18%

from LIBOR+3% to 18%

from LIBOR+3% to 18%

from LIBOR+3% to 18%

from LIBOR+3% to 18%

from LIBOR+3% to 18%

Currency

tenge, US dollar, euro, Great Britain pound, chinese yuan, russian ruble

tenge, US dollar, euro, Great Britain pound, chinese yuan, russian ruble

tenge, US dollar, euro, Great Britain pound, chinese yuan, russian ruble

tenge, US dollar, euro, Great Britain pound, chinese yuan, russian ruble

tenge, US dollar, euro, Great Britain pound, chinese yuan, russian ruble

tenge, US dollar, euro, Great Britain pound, chinese yuan, russian ruble

Repayment of principal

monthly, quarterly, at the end of the loan term, semiannually

monthly, quarterly, at the end of the credit line term, semiannually

monthly, quarterly, at the end of the credit line term, semiannually

monthly, quarterly, at the end of the loan term, semiannually

monthly, quarterly, at the end of the credit line term, semiannually

monthly, quarterly, at the end of the credit line term, semiannually

Repayment of interest

monthly, quarterly, at the end of the loan term, semiannually

monthly, quarterly, at the end of the credit line term, semiannually

monthly, quarterly, at the end of the credit line term, semiannually

monthly, quarterly, at the end of the loan term, semiannually

monthly, quarterly, at the end of the credit line term, semiannually

monthly, quarterly, at the end of the credit line term, semiannually

Loan arrangement fees (loan, credit line)

0%-1,5% pay out in a lump sum (excluding VAT)

0%-1,5% pay out in a lump sum (excluding VAT)

0%-1,5% pay out in a lump sum (excluding VAT)

0%-1,5% pay out in a lump sum (excluding VAT)

0%-1,5% pay out in a lump sum (excluding VAT)

0%-1,5% pay out in a lump sum (excluding VAT)

Additional terms:

The credit line availability period determined for each client individually.

Legal fee provisions

1. In case of delay of  loan interest payment: 0.5 (zero point five)% out of unpaid interest amount for each day of the past due payment

 

2. In case of delay of principal repayment: 0.5 (zero point five)% out of  unpaid principal amount for each  day of the past due payment

 

3. Misuse of available loan funds: 5 (five)% out of misused funds amount

 

4. In case of  violation of  borrower commitments

  (on insurance and mortgage): 0.1 (zero point one) % from the principal amount

 

5. Violations occurred through other conditions: 5 (five) % out of the given loan amount


Based on the Credit committee decision (Protocol of the Credit committee #45, 23.09.2015y.)

 

*Applications above 6 000 000 USA dollars ( equivalent in tenge and other foreign currencies)  are sent to the Head office of the Bank of China Ltd for the further considerations.

**Annual effective interest rate depends on the approved interest rate 


Договор Банковского Займа 

Договор Залога 

Договор о предоставлении кредитной линии 

Договор Залога кредитной линии 



Additional information by telephone: (727) 376-84-52, 258-55-10 (ext. 1202, 1155, 1152, 1169).
Bank of China Kazakhstan
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