Business loan calculator
Monthly payment, total interest and schedule — for a standard loan and the Orleu and Isker Aimak concessional programs at 12.6%.
This is the rate you pay the bank. Default: the market rate of 21.5%.
Grace period, repayment method, custom term
- You pay the bank at 21.5%
- 2,311,813 ₸
- The state refunds the difference down to 12.6%
- − 658,166 ₸
- You effectively pay a month for the first 36 months, on average
- ≈ 1,653,648 ₸
- Total interest
- 94m ₸
- 94.19% of the loan amount
- Refunded by the state
- 24m ₸
2 minutes · no documents · free
Indicative calculation. The terms of the Orleu and Isker Aimak programs, the size and duration of the subsidy and the final schedule are set by the bank and the program operator.
Repayment schedule
- Year 12 311 813 ₸ a monthbalance 93m ₸ · refund 8.6m ₸
- Year 22 311 813 ₸ a monthbalance 85m ₸ · refund 8m ₸
- Year 32 311 813 ₸ a monthbalance 74m ₸ · refund 7.1m ₸
- Year 42 311 813 ₸ a monthbalance 61m ₸
- Year 52 311 813 ₸ a monthbalance 45m ₸
- Year 62 311 813 ₸ a monthbalance 25m ₸
- Year 72 311 813 ₸ a monthbalance 0 ₸
| Year | Monthly payment | Paid in year | Principal | Interest | Refund | Balance at year end |
|---|---|---|---|---|---|---|
| Year 1 | 2 311 813 | 27 741 760 | 6 895 092 | 20 846 669 | 8 629 551 | 93 104 908 |
| Year 2 | 2 311 813 | 27 741 760 | 8 532 705 | 19 209 055 | 7 951 655 | 84 572 203 |
| Year 3 | 2 311 813 | 27 741 760 | 10 559 259 | 17 182 501 | 7 112 756 | 74 012 944 |
| Year 4 | 2 311 813 | 27 741 760 | 13 067 128 | 14 674 632 | — | 60 945 816 |
| Year 5 | 2 311 813 | 27 741 760 | 16 170 627 | 11 571 134 | — | 44 775 189 |
| Year 6 | 2 311 813 | 27 741 760 | 20 011 220 | 7 730 541 | — | 24 763 969 |
| Year 7 | 2 311 813 | 27 741 760 | 24 763 969 | 2 977 791 | — | 0 |
| Total | 100 000 000 | 94 192 323 | 23 693 963 |
How Orleu and Isker Aimak work
Orleu — the concessional rate from day one
From the first month you pay the bank 12.6% a year. The state pays the bank the difference between its rate and the concessional rate, so your monthly payment is lower than a standard loan from the start.
Isker Aimak — the difference is refunded in cash
You pay the bank at its rate. For the first 3 years the state refunds you the difference between the bank’s rate and 12.6%, so your effective burden is lower in those years. From year 4 you pay the bank’s full rate.
How the payment is calculated
Annuity — equal payments over the whole term. Equal principal — the principal is repaid in equal parts and the payment decreases every month. During a grace period you pay the bank interest only.
Questions about loan calculations
How do I calculate a business loan payment?
Enter the amount, term and bank rate — the calculator instantly shows the monthly payment, the total interest and the repayment schedule by year and month. For a concessional loan, choose the Orleu or Isker Aimak program: the calculation includes the 12.6% rate and state support.
What is the Orleu program?
A concessional business loan: you pay the bank 12.6% a year from the start, and the state pays the difference up to the bank’s rate. Eligible industries, limits and conditions are set by the program operator and the bank.
How does Isker Aimak work?
You pay the bank its rate, and for the first 36 months the state refunds you the difference between the bank’s rate and 12.6%. The calculator shows what you pay the bank, how much is refunded and your effective monthly payment.
Which is better: Orleu or Isker Aimak?
In the calculator, Orleu uses a 12.6% rate for the whole term, while Isker Aimak refunds the difference only for the first 36 months. So at the same bank rate, Orleu gives a lower payment. Which program is available to your business depends on the industry, amount and bank — we check this during the free assessment.
What is the difference between annuity and equal principal payments?
An annuity is the same payment for the whole term: early payments contain more interest, later ones more principal. With equal principal payments the principal is repaid in equal parts, so the first payments are higher but total interest is lower.
How accurate is the calculation?
The calculation is indicative: the formulas match a bank schedule, rounded to the tiyn. The exact schedule, rate and subsidy are set by the bank and the program operator.
We will find a subsidized program for your business
Answer a few questions about your business — an expert will message you on WhatsApp with the programs that fit and the amount and rate you can expect.
Prefer to message? WhatsAppQuestion 1 of 8 · about 2 minutes
How much funding do you need?
What happens after you answer
- A specialist will message you on WhatsApp within 15 minutes during business hours
- They will tell you which program fits, how much you can get and at what rate
- It is free and does not commit you to anything