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,  chinese yuan tenge, US dollar, euro,  chinese yuan tenge, US dollar, euro,  chinese yuan tenge, US dollar, euro,  chinese yuan tenge, US dollar, euro,  chinese yuan tenge, US dollar, euro,  chinese yuan
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: 0.1 (zero point one)% out of unpaid interest amount for each day of the past due payment
 
2. In case of delay of principal repayment: 0.1 (zero point one)% 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
  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 rate from 3.1% per annum in US dollars / 10.9% per annum in tenge 
Based on the Credit committee decision (Protocol of the Credit committee #13, 11.05.2021 y.)

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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Лицензия Банка на проведение банковских и иных операций от 03.02.2020 г. № 1.1.181