Frequently Asked Questions
Lending
What lending products are available for businesses?
Any purpose loans, overdraft, bank guarantees, letters of credit.
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What are the interest rates on the loans?
The interest rate on a loan depends on the product, financing terms and conditions. It varies between 2% and 21%.
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Do you cooperate with DAMU?
Yes.
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In which currencies do you issue the loans?
The loans are issued in Tenge, US dollars, Eur, and Russian Rubles.
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What is the loan application consideration period?
The loan application consideration period depends on the type of lending. It varies between 3 and 30 days after the Bank's receipt of a full set of documents.
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How to obtain a loan?
You may visit a branch of our Bank located in your city or submit an application through our website to receive consultations.
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Recently, I established a LLP/PE. Can I obtain a loan?
Unfortunately, no. The client is required to be engaged in business activities for at least 12 months prior to submitting his/her loan application.
Your application may be considered, if there is a co-borrower/guarantor for your loan, provided that your co-borrower/guarantor's business has been run for at least 12 months prior to the loan application submission date.
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Is lending available to private entrepreneurs?

Yes, any business lending products are available to private entrepreneurs.

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Do you issue any microloans to legal entities?

Yes, the Bank  considers microlending to the legal entities for business purposes. After it is implemented, terms and conditions of the Microloan product will be published on the Bank's web-site.

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Do your charge the loan arrangement fee?

The loan arrangement fee shall be charged for any lending products funded against the Bank's own resources, excluding  money-secured lending. The fee amount (including the minimum and maximum fee) depends on the type of the business lending product. Please visit this page for more details of the Bank's tariffs.

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Can I submit a loan application online?

Yes, through the official web-site, Jysanbank.kz, see Business Loans tab.

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Do you provide any unsecured loans to the legal entities?

Yes, without a collateral security, you can receive an Overdraft, as well as a Microloan, once the latter is launched.

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Does your Bank participate in the Concessional Lending Program?

Yes, it does. Please click here for more details of the lending terms and conditions.

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In which State Programs does your Bank participate?
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