Government programs within the Road Map program

Damu Small Entrepreneurship Development Fund

1. Women’s Entrepreneurship Program

Financing is provided to female private entrepreneurs to expand an existing business. The key advantages of this product are a broad designated purpose and affordable rates.

Financing is in the form of a one-time lump sum loan, non-revolving or revolving line of credit.

Customers:  Female Private Entrepreneurs

Maximum loan amount: 8 000 MCI*

Loan currency: tenge

Maximum loan period: up to 60 months, but no later than expiry of the agreement concluded between the Bank and Damu Small Entrepreneurship Development Fund.

Payment methods: Equal monthly payments or equal installments

Interest rate: from 12% per annum; effective rate is a maximum of 14% per annum.

Arrangement fee: depending on the financing amount and schedule.

Collateral for the loan: Pledge of immovable and/or movable property located in the Republic of Kazakhstan; deposit security in the Bank; cash pledge; or other property the Bank considers liquid.

* monthly calculation index as of April 1, 2011, is 1512 tenge.

2. Financing program for small and medium businesses in Zhanaozen

Financing for expanding an existing business is provided to Small and Medium Businesses (SMB) officially registered in the city of Zhanaozen, Mangistau Region, and carrying out their activities in this city. The key advantages of this product are softened terms and conditions, a broad designated purpose and affordable rates.

Financing is in the form of a one-time lump sum loan, non-revolving or revolving line of credit.

Maximum loan amount: 60 000 MCI*

Loan currency: tenge

Maximum loan period: up to 60 months, but no later than expiry of the agreement concluded between the Bank and Damu Small Entrepreneurship Development Fund.

Payment methods: Equal monthly payments or equal installments

Interest rate: from 9% per annum; effective rate is a maximum of 10% per annum.

Arrangement fee: depending on the financing amount and schedule.

Collateral for the loan: Pledge of immovable and/or movable property located in the Republic of Kazakhstan; deposit security in the Bank; cash pledge.

* monthly calculation index as of April 1, 2011, is 1512 tenge.

3. DAMU Regions II financing program for regional priority projects

Financing for business expansion is provided to Small and Medium Businesses (SMB).

The key advantages of this product are softened terms and conditions, a broad designated purpose and affordable rates.

Financing is in the form of a one-time lump sum loan, non-revolving or revolving line of credit.

Maximum loan amount: 300 000 000 tenge

Maximum loan period: 84 months

Loan currency: tenge

Payment methods: Equal monthly payments or equal installments

Interest rate: from 10% per annum; effective rate is a maximum of 11% per annum.

Arrangement fee: depending on the financing amount and schedule.

Collateral for the loan: Pledge of immovable and/or movable property located in the Republic of Kazakhstan; deposit security in the Bank; cash pledge.

Contact information

You can obtain more detailed information on these services by telephone from the Bank’s Call Center: 8 (727) 244 85 55 (for Almaty), 8 800 080 50 99 (toll-free line for the regions), and by sending inquiries by E-mail to: Info@deltabank.kz, or in the Bank’s branches/departments.