“Zaman-bank” JSC provides customers with the following credit programs:
- for replenishment of main and circulating assets,
- for building /repair of real estate,
- for real estate acquisition,
- for refinancing of last investments,
- for refinancing of the loan indebtedness.
Our products line includes:
- Short-term credit
- Long-term credit
- Credit lines (revolving, non-revolving)
- Finance leasing
Zaman-Bank” JSC provides the clients with the following trade finance facilities:
- L/C transactions
- Guarantee transactions
- Collection transactions
Banking guarantee is a guarantee of payment issued by the bank on behalf of a client and represents the Bank obligation to pay a sum of money within guarantee amount to the beneficiary upon presentation of written demand if the client fails to fulfill his obligations specified in the guarantee.
The Bank offers the following types of guarantee:
- Tender guarantee
- Performance guarantee
- Advance payment guarantee
- Payment guarantee
1. The program is implemented in the following areas:
Support of new business initiatives- state support in financing of new business projects
- Credits subject to subsidizing/guarantying:
- new loans granted for implementation of investment projects aimed at modernization and expansion of production;
- loans aimed at refinancing of loans;
- Subsidizing of interest rates on credits;
- Partial guarantee on credits.
2. Reduction of the entrepreneurs’ exchange risks – state backing to entrepreneurs, the currency income of which is less than 10% of total amount of proceeds in cash for the last 6 months before applying to the Program coordinator :
- Subsidizing of interest rates on current credits.