The program is leasing through partner Banks, FCF and other CCF. The projects will be financed by signing a Loan agreement with partner banks, the FCF and others to finance leasing operations.

Credit product No. 5

Options

1. Partner banks, FCF and other CCF
Commercial banks of the Kyrgyz Republic and other financial institutions:
- having no restrictions on lending activities and fulfilling all prudential requirements of the National Bank of the Kyrgyz Republic (if necessary);
- having a three-year break-even activity**
Institution "Financial and Credit Fund under the Ministry of Finance of the Kyrgyz Republic";
Leasing companies established and operating in accordance with the legislation of the Kyrgyz Republic.
2. Target group
Business entities that meet the criteria and requirements of the Credit Policy of Partner Banks, FCFS and other FCCs
3. Financing sector
Business entities operating in the following industries:
water supply sector;
the health sector;
energy sector;
automotive industry;
tourism;
education, human resource development;
science, research and technology;
chemical and petrochemical industry;
agriculture and agro-industrial complex;
light (clothing and textile) industry;
manufacturing and processing industry;
mining and metallurgical industry;
transport;
trading;
business development;
infrastructure development;
Information technology;
e-commerce;
the creative industry;
cellular communication;
enterprises organized according to sustainable business principles (ESG)
4. Purpose
All types of agricultural machinery and attachments, trailed equipment;
specialized equipment;br> all types of vehicles;br> all types of industrial, technological, production and other equipment; breeding animals;br> property complexes, buildings, structures, equipment, vehicles and other movable and immovable property that do not contradict the requirements of the Credit Policy of the Partner Bank, FCF and other FC
5. Leasing currency
- Som - Foreign currency
6. Lease term
- no more than 10 years;
- no more than 5 years – for trucks, special equipment of all types manufactured in China, Russia, Uzbekistan;
7. Interest rate
In som:
- 6 (six)% per annum - for partner Banks, FCF and other CCF;
- no higher than 12 (Twelve)% per annum
- for the lessee of the Partner Bank and other financial institutions.
In a foreign currency:
- according to the attracted resources, it is set individually
8. Financing amounts
The maximum loan amount should not exceed 150 million SOM.
The minimum loan amount is 3 million SOM.
The partner Bank, FCF and other CCF can additionally co-finance the project from their own funds.
9. The lessee's own contribution to the project
According to the internal regulatory documents of Partner Banks, FCF and other CCF
10. Provision of financing for Partner Banks, FCF and other CCF
1. Guarantees of the State bodies of the Kyrgyz Republic, the Cabinet of Ministers, international financial institutions, banks and the Guarantee Fund of the Kyrgyz Republic;
2. Government securities of the Kyrgyz Republic;
3. Real estate, including land plots;
4. Equipment, vehicles;
5. Loan portfolio of partner banks;
6. Guarantees of third parties, the acceptability of which is assessed By the Bank according to the Bank's Collateral Policy;
7. Other types of collateral in accordance with the Bank's Collateral Policy
11. Provision of financing for lessees of Partner Banks, FCF and other CCF
Any property can act as collateral for the received loans for lessees of Partner Banks, FCF and other CCF
12. Repayment schedule for the Partner Bank, FCF and other CCF
•By percentage – on a quarterly basis;
•For the main debt - at least 2 times a year
13. The interest rate in case of misuse of credit funds by the Partner Bank, FCF and other CCF
In case of misuse of credit funds, the interest rate increases to 20% per annum. The Bank reserves the right to submit information about the misuse of credit funds by the client to the Credit Information Bureau.
14. Responsibility for repayment of borrowed funds by business entities
The partner bank, FCF and other CCF fully assumes the risk of non-repayment of the loan by lessees
15. Restrictions
The Bank does not provide:
• Leasing without collateral;
• Leasing to individuals;
• If there are overdue obligations on previously issued leases/loans;
• Leasing to the Ministry of Finance of the Kyrgyz Republic, the Cabinet of Ministers of the Kyrgyz Republic, other state bodies and local governments.

The Bank also does not finance:
• gambling;
• The military industry;
• Areas where forced child labor is used;
• Activities related to the laundering/legalization
of illegally obtained income and the financing of terrorism;
• Trade, production and other activities related to
the use of weapons;
• types of activities prohibited by the legislation of the Kyrgyz Republic.

* The Bank reserves the right to change the terms of this Agreement.
Programs.

** Subject to the provision of collateral in the form
of government securities of the Ministry of Finance of the Kyrgyz
Republic or a firm pledge in the form of real estate, this requirement should not be applied to Partner Banks, FCF and other CCF