{"id":3194,"date":"2008-07-11T16:42:05","date_gmt":"2008-07-11T13:42:05","guid":{"rendered":"http:\/\/www.altso.org.tr\/genel\/halkbank-tan-kobilere-uygun-kosullarda-kredi\/"},"modified":"2008-07-11T16:42:05","modified_gmt":"2008-07-11T13:42:05","slug":"halkbank-tan-kobilere-uygun-kosullarda-kredi","status":"publish","type":"post","link":"https:\/\/www.altso.org.tr\/en\/genel\/halkbank-tan-kobilere-uygun-kosullarda-kredi\/","title":{"rendered":"HALKBANK TAN KOB\u0130LERE UYGUN KO\u015eULLARDA KRED\u0130"},"content":{"rendered":"<p><strong>HALKBANK \u0130LE KRED\u0130 ANLA\u015eMASI YEN\u0130LEND\u0130<\/strong>       Odam\u0131z ile\u00a0 T\u00fcrkiye Halk Bankas\u0131 aras\u0131nda 11 Temmuz 2008 g\u00fcn\u00fc yenilenen\u00a0 protokolle Odam\u0131z \u00fcyelerine piyasa ko\u015fullar\u0131n\u0131n alt\u0131nda d\u00fc\u015f\u00fck faizli kredi imkan\u0131 tan\u0131nd\u0131. Kredi anla\u015fmas\u0131na Oda Ba\u015fkan\u0131m\u0131z Kerim Ta\u00e7 ile\u00a0 Halkbank Antalya B\u00f6lge Koordinat\u00f6r\u00fc Hakan Y\u00fcksek imza att\u0131.<\/p>\n<div class=\"clearfix\"><\/div>\n<div class=\"spacer\"><\/div>\n<p>T\u00f6rene ayr\u0131ca Halkbank \u015eube M\u00fcd\u00fcr\u00fc Ahmet Y\u0131ld\u0131z, Pazarlama B\u00f6l\u00fcm M\u00fcd\u00fcr\u00fc Safure Toslal\u0131 ve Odam\u0131z Meclis \u00dcyesi Kerim Bulut kat\u0131ld\u0131.       Halkbank Antalya B\u00f6lge Koordinat\u00f6r\u00fc Hakan Y\u00dcKSEK imza t\u00f6reninde yapt\u0131\u011f\u0131 a\u00e7\u0131klamada son bir y\u0131lda\u00a0 Ticaret ve Sanayi Odas\u0131 \u00fcyelerine yakla\u015f\u0131k 1,3 Milyar YTL\u00a0 kredi kulland\u0131rd\u0131klar\u0131n\u0131 dile getirdi.       Protokol kapsam\u0131nda Oda \u00fcyelerine; 36 ay vadeli ve 500.000 YTL limitli kredi kullan\u0131m imkan\u0131 sa\u011flan\u0131yor. Faiz oran\u0131 normal kredilerimize uygulanan orandan binde iki daha d\u00fc\u015f\u00fck olup, %1,79 olarak belirlendi. KOB\u0130 tan\u0131m\u0131na giren firmalara sadece Halkbank\u2019ta %5 BSMV muafiyeti uyguland\u0131\u011f\u0131 da dikkate al\u0131nd\u0131\u011f\u0131nda, bu faiz oran\u0131n\u0131n \u00fczerinde bir maliyet avantaj\u0131 sa\u011fl\u0131yor.       Ayr\u0131ca, imzalanan protokolle Oda \u00fcyelerine yat\u0131r\u0131m ve i\u015fletme sermayesi ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lamak kapsam\u0131nda 2 y\u0131l \u00f6demesiz d\u00f6nemli 84 ay vadeli Orta ve Uzun Vadeli Proje Kredisi ve azami 60 ay vadeye kadar 1 y\u0131l \u00f6demesiz d\u00f6nemli Finansal Destek Kredisi de kulland\u0131r\u0131lacak. Finansal Destek Kredisi\u2019nin \u00fcst limiti 3.000.000 YTL veya kar\u015f\u0131l\u0131\u011f\u0131 EUR\/USD; Orta ve Uzun vadeli Proje Kredisi\u2019nin alt limiti; i\u015fletme kredilerinde 500.000 USD, yat\u0131r\u0131m kredilerinde 750.000 USD veya kar\u015f\u0131l\u0131\u011f\u0131 EURO\/YTL; \u00fcst limiti KOB\u0130 tan\u0131m\u0131na giren firmalar i\u00e7in 3.000.000 USD veya kar\u015f\u0131l\u0131\u011f\u0131 EUR\/YTL,\u00a0 KOB\u0130 tan\u0131m\u0131 d\u0131\u015f\u0131ndaki firmalar i\u00e7in ise proje baz\u0131nda belirlenecek. Oda \u00fcyelerine kulland\u0131r\u0131lacak s\u00f6zkonusu kredilerde uygulanacak faiz oran\u0131 ise, Halkbank\u2019\u0131n s\u00f6z konusu vadelerde kulland\u0131r\u0131lan kredilerin faiz oran\u0131ndan % 1 (y\u00fczde bir) eksik olarak uygulanacak, YTL\u2019de TRL\u0130BOR+4; yabanc\u0131 para da L\u0130BOR+4,5 ve EURIBOR+3,5 olacak.       Protokol kapsam\u0131nda ayr\u0131ca azami 1 y\u0131l vadeli; y\u0131ll\u0131k % 1,5 komisyon oran\u0131 ile teminat mektubu kredisi de kulland\u0131r\u0131lacakt\u0131r.       Halk Bankas\u0131\u2019ndan KOB\u0130\u2019lere sa\u011flanan imkanlar       Halkbank\u2019ta, KOB\u0130\u2019lere \u00f6zel haz\u0131rlanan 50\u2019ye yak\u0131n kredili \u00fcr\u00fcn \u00e7e\u015fidi bulunuyor. Yurt i\u00e7i ve yurt d\u0131\u015f\u0131 kaynakl\u0131 yat\u0131r\u0131m ve i\u015fletme kredileri, KOB\u0130\u2019lerin nakit ak\u0131\u015flar\u0131na uygun, esnek geri \u00f6demeli olarak kulland\u0131r\u0131lan turizm, tar\u0131m, imalat ve teknoloji sekt\u00f6rlerine y\u00f6nelik kredi \u00e7e\u015fitleri, esnafa y\u00f6nelik kooperatif krediler bunlardan baz\u0131lar\u0131d\u0131r.       Halkbank ayr\u0131ca, geli\u015fen in\u015faat sekt\u00f6r\u00fcne paralel olarak yo\u011funlu\u011fu artan in\u015faat projelerinin kredilendirilmesi \u00e7al\u0131\u015fmalar\u0131nda da Konut Yap\u0131 Kooperatiflerinin ve Belediyelerin toplu konut projelerinin tamamlanmas\u0131na y\u00f6nelik TOK\u0130 Kaynakl\u0131 proje kredileri kulland\u0131r\u0131yor. TOK\u0130 kaynakl\u0131 kredilerdeki tecr\u00fcbe ve bilgi birikiminden yola \u00e7\u0131karak konut ve i\u015fyeri yap\u0131 kooperatiflerinin konut ve i\u015fyeri in\u015faat projelerinin Halkbank kaynaklar\u0131ndan kredilendirilerek tamamlanmas\u0131na y\u00f6nelik \u00fcr\u00fcnler de m\u00fc\u015fterilere sunuluyor.       Halkbank, KOB\u0130\u2019lerin teminat sorunlar\u0131n\u0131n \u00e7\u00f6z\u00fcm\u00fc i\u00e7in ise Kredi Garanti Fonu ile y\u0131llard\u0131r i\u015fbirli\u011fi i\u00e7inde \u00e7al\u0131\u015f\u0131yor.       Halkbank yurti\u00e7inden sa\u011flad\u0131\u011f\u0131 kaynaklar\u0131n yan\u0131 s\u0131ra Avrupa Yat\u0131r\u0131m Bankas\u0131, D\u00fcnya Bankas\u0131, Frans\u0131z Kalk\u0131nma Ajans\u0131 gibi uluslararas\u0131 finans kurulu\u015flar\u0131ndan sa\u011flad\u0131\u011f\u0131 fonlarla, KOB\u0130\u2019lerin orta uzun vadeli yat\u0131r\u0131m ve i\u015fletme kredisi ihtiya\u00e7lar\u0131 kar\u015f\u0131lamaktad\u0131r. <\/p>\n<p>  <a target=\"_self\" href=\"#\">ODAMIZ VE HALKBANK ARASINDA \u0130MZALANAN KRED\u0130 PROTOKOL\u00dc \u0130\u00c7\u0130N T\u0131klay\u0131n\u0131z&#8230;<\/a>              \u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>HALKBANK \u0130LE KRED\u0130 ANLA\u015eMASI YEN\u0130LEND\u0130 Odam\u0131z ile\u00a0 T\u00fcrkiye Halk Bankas\u0131 aras\u0131nda 11 Temmuz 2008 g\u00fcn\u00fc yenilenen\u00a0 protokolle Odam\u0131z \u00fcyelerine piyasa ko\u015fullar\u0131n\u0131n alt\u0131nda d\u00fc\u015f\u00fck faizli kredi imkan\u0131 tan\u0131nd\u0131. Kredi anla\u015fmas\u0131na Oda Ba\u015fkan\u0131m\u0131z Kerim Ta\u00e7 ile\u00a0 Halkbank Antalya B\u00f6lge Koordinat\u00f6r\u00fc Hakan Y\u00fcksek imza att\u0131.<\/p>\n","protected":false},"author":1,"featured_media":3198,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/www.altso.org.tr\/en\/wp-json\/wp\/v2\/posts\/3194","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.altso.org.tr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.altso.org.tr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.altso.org.tr\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.altso.org.tr\/en\/wp-json\/wp\/v2\/comments?post=3194"}],"version-history":[{"count":0,"href":"https:\/\/www.altso.org.tr\/en\/wp-json\/wp\/v2\/posts\/3194\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.altso.org.tr\/en\/wp-json\/wp\/v2\/media\/3198"}],"wp:attachment":[{"href":"https:\/\/www.altso.org.tr\/en\/wp-json\/wp\/v2\/media?parent=3194"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.altso.org.tr\/en\/wp-json\/wp\/v2\/categories?post=3194"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.altso.org.tr\/en\/wp-json\/wp\/v2\/tags?post=3194"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}