Optima Bank
ATMS and Bank offices(312) 90 59 59
Skype: OptimaBank
 

Agro-credits

OJSC “Optima Bank” provides a special program of crediting for the agricultural sector – agro-crediting.
Agro-credits are provided for the following purposes:  
  • Purchase of seeds, fertilizers, protection (of plants and animals) and animal feed, fuel and lubricants for agricultural purposes;
  • Purchase of animals, birds, plants, honey bee-colonies and beehives;
  • Acquisition and renovation of agricultural equipment and machinery;
  • Acquisition, construction and repair of property for agricultural activities;
  • Payment of work for agricultural purposes and for other purposes.

The main advantages are:

  • You do not need to make any financial documents, reports, business plans;
  • All documents for obtaining the credit amount will be prepared by the Credit Officer;
  • Credit processing takes place within short periods of time - from 3 days;
  • The bank is working with Clients directly and without intermediaries, which excludes the additional costs that are not specified in the contract.

Basic conditions for the acquisition of the agro-credit:

  • The amount of credit - from US$ 50, or the equivalent in KGS;
  • Interest rate - 14%;
  • The credit period is from 3 months to 60 months;
  • Commission for extending of loan funds - from 0.5% of the loan amount
  • Repayment - a flexible repayment schedule drawn up taking into account the peculiarities of agricultural activities. Suspension of payment of the principal amount is up to 6 months.

Collateral - all kinds of collateral (equipment, agricultural machinery, personal property, vehicles, property, warrantee and other types of collateral) are acceptable.

Preliminary calculation of the effective annual interest rate can be done using the Credit calculator.

* Effective interest rate is of 15.46% per annum

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Currency rates

Cash Rates

08/09/2020 Buy Sell
USD 77.2000 77.6000
EUR 90.5000 92.5000
RUB 1.0400 1.0600
KZT 0.1750 0.1950
All rates

Cashless Rates

09.08.2020 Buy Sell
USD 76.9000 77.9000
EUR 90.3000 92.3000
RUB 1.0400 1.0700
KZT 0.1750 0.1950
All rates

Payment Cards Rates 

09.08.2020 Buy Sell
USD 77.2000 77.6000
EUR 90.5000 92.5000
RUB 1.0400 1.0600
KZT 0.1750 0.1950
All rates

NBKR Rates

09.08.2020 Rate
USD 77.0500
EUR 91.1694
RUB 1.0463
KZT 0.1843
All rates
Установленные курсы покупки и продажи наличной и безналичной иностранных валют действуют на сумму 5 тыс. долларов США или эквивалент 5 тыс. долларов США в других иностранных валютах. По операциям на суммы свыше 5 тыс. долларов США, курс устанавливается Управлением казначейства ОАО “Оптима Банк” по договоренности.
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