Loan Ishonch
Loan for Individual entrepreneurs
Updated: 20-01-2023
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Up to 500,000,000 sumsLoan Amount -
28 %Interest Rate -
Up to 36 monthsLoan Term
| Indicator | Value/Description |
| Loan for Individual entrepreneurs | |
| Key Requirements for Loan Issuance | 1. Presence of a primary or secondary account in the system of JSC "Garant bank"; 2. Good credit history; 3. No debt in File No. 2; 4. No funds subject to enforcement proceedings initiated by the Executive Bureau. |
| Loan Amount | Up to 500,000,000 (five hundred million) sums |
| Loan Term | Up to 36 months |
| Grace Period | Not applicable |
| Lending Form | 1. Cash withdrawal (via cash check); 2. Transfer to a corporate plastic card. |
| Minimum Interest Rate on the Loan | 28% per annum for clients with income from core business activities. This rate applies to clients whose available funds do not exceed the turnover from core business activities over the past year and whose business has been established for at least 6 months. Provided that the client transfers their primary settlement account to JSC “Garant bnk.” |
| Permissible Types of Collateral | 1. Cash funds. 2. Real estate. 3. Vehicles with an operation period of no more than 5 years. |
List of Documents Required for Obtaining a Loan
- - Loan application;
- - Certificate of state registration of an individual entrepreneur and a copy of the passport;
- - Bank-confirmed information on the cash flow of the borrower enterprise across all bank accounts for the last 12 months (if other accounts exist);
- - Electronic appraisal data of the pledged asset and an independent appraisal organization report;
- - Cadastral document (extract and cadastral passport) if the pledged asset is real estate;
- - Vehicle registration certificate (technical passport, technical card) if the pledged asset consists of vehicles or special equipment;
- - Consent of the enterprise's founders to pledge assets as loan security, incorporation documents of the enterprise, copies of the passports of the director and chief accountant (if available), if the pledgor is a legal entity (applicable if the enterprise is served by another bank);
- - Copy of the passport if the pledgor is an individual.
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