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Overdraft

Under the turnover on accounts with SB Sberbank JSC

Under the turnover on accounts with no more than two other second-tier banks​

Amount

up to 40% of the average monthly net credit turnover on accounts of the Borrower with SB Sberbank JSC over the last 6 months

up to 30% of the average monthly net credit turnover on accounts of the Borrower with second-tier banks over the last 6 months

Loan purpose​

1. Payment of settlement documents for the acquisition of goods and services under core activities;

2. Transfer of tax and other mandatory fees;

3. Payment of salary to employees;

4. Making payments for operating expenses of the borrower.

Financing type ​

Revolving credit facility

Term

The term of the credit facility – up to 6 months against turnover on accounts with SB Sberbank JSC;

Tranches term – up to 28 days.

The term of the credit facility – up to 3 months against turnover on accounts with other second-tier banks;

Tranches term – up to 28 days.

Repayment of interest

Monthly

Repayment of principal debt​

Monthly, in equal installments or by annuity payments.

Collateral​

No

Loan Currency

KZT, USD, EURO, RUB

Fees

1% of the established limit on overdraft

Penalty for late repayment of principal debt and interest​

For individual entrepreneurs – 0.5% of the amount of outstanding payments for each overdue day, but no more than 10% of the amount of the issued loan for each year of loan term.

For legal entities – 0.5% of the amount of outstanding payments for each overdue day.

Prepayment penalty​

Not applicable

Loan benefits

The Overdraft product by Sberbank is provided to individual entrepreneurs and legal entities for:

  • payment of settlement documents for purchased goods and services under core activities;
  • transfer of tax and other mandatory fees;
  • payment of salary to employees;
  • making payments for operating expenses, etc.

1.         Work experience in the Borrower's main business domain – not less than 6 months. 12 months – for farms engaged in business (also if the business is seasonal).

2.         Presence of a permanent place of business.

3.         Positive financial history.

4.         Absence of negative credit history.

List of documents *

LE

IE

Constituent documents

  •  
 

IE certificate, licenses, certificates, patent, permission for business, etc.

 
  •  

Certificate from the tax authority or e-gov of absence/presence of arrears to the state budget and off-budget funds 

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  •  

Certificate on bank accounts opened with other banks with indication of account turnover for the last 12 months (with monthly breakdown)    

  •  
  •  

Financial statements

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  •  

Tax return for the last reporting period

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Copies of the documents of founders, directors and chief accountant (identity card, certificate from the place of residence)

  •  
 

Copies of documents (identity card, marriage certificate, certificate from the registration place) 

 
  •  

Specimen signature form and seal impression card

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Documents on collateral

  •  
  •  

*The Bank may request additional documents required for a thorough examination of the project

 

For more information you can contact the bank branch in your city or please call the Contact center 8 (727) 250-30-20, in other regions of Kazakhstan: 8-8000-808-808.​

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Overdraft Loan is opened and considered on the turnover on customer accounts opened with SB Sberbank JSC and other banks.

Almaty
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