Enbek mass entrepreneurship

Target Group

Entrepreneurs:

- startup business - registration period up to 1 year

- novice entrepreneurs of the NSR (registration period up to 3 years)

Loans for projects

- being implemented in cities, with the exception of small towns

- without sectorial restrictions

- as a priority, loans are provided for projects implemented in accordance with regional business development maps

Purpose and Term
 

- investments - 5 years

- working capital financing - 3 years

There are partial restrictions on the financing of existing entrepreneurs to replenish working capital in the trade industry

Amount

Up to 8,000 MCI (Nur-Sultan, Almaty, Shymkent, Aktau, Atyrau)
Up to 6,500 MCI (in other cities, single-industry cities)

Mandatory requirements *

- for existing enterprises – cash/non-cash

- for first-time entrepreneurs - cash/non-cash

- for first-time entrepreneurs implementing Startup projects – only in non-cash form of payment

Startup projects include business projects of clients/borrowers whose state registration as a legal entity/registration of individual entrepreneur status is less than one year at the time of applying to the Bank for a loan

Grace period

no more than one third of the loan term

First-time entrepreneurs

- training courses on the basics of entrepreneurship as part of the Bastau Business project or as part of the first direction of the Program or if there is a certificate of completion of such courses in other state programs over the past 2 years

- mandatory presence of the Employment Center

Existing enterprises

loans are provided subject to the creation of new permanent jobs

Fees/fines/ penalties

charged due to violation by the borrower of Loan obligations agreed with the Damu Fund

Guaranteeing 

- target group - first-time entrepreneur

- the guarantee period is equal to the term of the Loan

- guaranteed loan amount

- guarantee amount not more than 85% of the loan amount

Provides for a portfolio guarantee with the possibility of independent decision-making by the Bank to grant loans to customers under the guarantee of the Fund.

Guarantee’s requirements

no tax arrears, mandatory pension contributions, mandatory professional pension contributions and social contributions to the budget at the last reporting date

Additional requirements

- by resolution of the guarantor, property provided as security for the loan (s) is subject to insurance

- the guarantor has the right to demand from the entrepreneur the provision of guarantees of affiliated and related legal entities and individuals

Contacts

Details

for individuals - 7111 (free from mobile)

Fax-server: (727) 259-02-71

for legal entities - 9595 (free from mobile)

Teletype: 251866 KPOKET

+ 7 (727) 259-07-77 (landline)

Telex: 251531 HSBK KZ

8 8000 8000 59 (toll free across Kazakhstan)

SWIFT: HSBKKZKX

Reuters: Dealing SVKZ

E-mail: info@halykbank.kz

Postal address: 40, Al-Farabi Ave., А26М3К5, Almaty

Marketing, press service

pr@halykbank.kz

Chancellery

info@halykbank.kz

Treasury Department

dep_kaz@qazkom.kz

Bonus Club

GOBonus@halykbank.kz

Corporate Banking Department

EDUARDI@halykbank.kz

Pavlodar branch (legal entities)

NURSULTANKU@halykbank.kz

Pavlodar branch (individuals)

amtem@halykbank.kz

South Kazakhstan oblast branch

CRB_KP_29@halykbank.kz

West Kazakhstan oblast branch 

ZKOF@halykbank.kz