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{"id":3033,"date":"2016-10-07T15:11:07","date_gmt":"2016-10-07T15:11:07","guid":{"rendered":"http:\/\/bankakredinotu.net\/?p=3033"},"modified":"2016-10-07T15:14:14","modified_gmt":"2016-10-07T15:14:14","slug":"esnafa-kefilsiz-kredi-firsati","status":"publish","type":"post","link":"https:\/\/bankakredinotu.net\/esnafa-kefilsiz-kredi-firsati-3033","title":{"rendered":"Esnafa Kefilsiz Kredi F\u0131rsat\u0131"},"content":{"rendered":"

\u0130\u015flerini b\u00fcy\u00fctmek isteyen ya da i\u015f kurmak isteyenler i\u00e7in en \u00f6nemli madde sermaye yani parad\u0131r. Sermaye g\u00fcc\u00fcn\u00fcz yok ise ya da haz\u0131rda bir paran\u0131z bulunmuyor ise, sermaye kayna\u011f\u0131 i\u00e7in en \u00f6nemli alternatif kanal\u0131 banka kredisidir. Ama bankalar\u0131n kredi verme \u015fartlar\u0131 da olduk\u00e7a a\u011f\u0131rd\u0131r, kendini riske atmak istemeyen bankalar kolay kolay kredi onay\u0131 vermezler. \u00d6zellikle yeni i\u015f kurmak isteyen giri\u015fimcilerden veya i\u015fini b\u00fcy\u00fctmek<\/a> isteyen i\u015fletmelerden, kredi ba\u015fvurusunda bulunan esnaflardan bir kefil\u00a0 istiyor bankalar. Kefilsiz kredi<\/strong> veren banka say\u0131s\u0131 olduk\u00e7a az.<\/p>\n

E\u011fer bir kefiliniz varsa krediniz onayland\u0131 demektir. Ama bu devirde olduk\u00e7a zor, kefil bulmak. Bu nedenler \u00e7o\u011fu esnaf veya giri\u015fimci i\u015flerini b\u00fcy\u00fctemiyor, mal al\u0131m\u0131 yapam\u0131yor bu da esnaf i\u00e7in kepenk kapatmaya yol a\u00e7an ilk etken oluyor. Bu noktada KGF ( Kredi Garanti Fonu ) devreye giriyor.<\/p>\n

Kredi Garanti Fonu, esnaf i\u00e7in kredi f\u0131rsat\u0131 sunuyor. Hazine destekli KGF g\u00fc\u00e7l\u00fc bir teminat olarak g\u00f6r\u00fclmekte. Ne kadar g\u00fc\u00e7l\u00fc bir teminat o kadar d\u00fc\u015f\u00fck faiz mant\u0131\u011f\u0131 ile art\u0131k esnaflar kefilsiz kredi<\/strong> \u00e7ekmenin yan\u0131 s\u0131ra d\u00fc\u015f\u00fck faizlerden de yararlanabilecek. Esnaf\u0131n finans ge\u00e7mi\u015fine ve kredinin b\u00fcy\u00fckl\u00fc\u011f\u00fcne g\u00f6re, Kredi Garanti Fonu, \u00e7ekilmek istenen kredinin hepsine yada bir k\u0131sm\u0131na kefil olabiliyor. \u00dcst limit 2 milyon lira ve bu fon arac\u0131l\u0131\u011f\u0131 ile \u015fu ana dek 14 milyar liral\u0131k bir kredi kullan\u0131lm\u0131\u015f. 33 ilde 38 \u015fubeye sahip olan KGF, esnaf\u0131n kredi \u00e7ekmek i\u00e7in en b\u00fcy\u00fck sorunu olan kefil problemini ortadan kald\u0131r\u0131yor. Uzun vadelerle d\u00fc\u015f\u00fck faizli kredi imkan\u0131ndan yararlanabilirsiniz.<\/p>\n

Kredi Garanti Fonu sek\u00f6trel b\u00fcy\u00fcmeye, \u00fcretime ve istihdam artt\u0131rmaya destek olmaya devam ediyor. Komisyon olarak, kefil olunan krediden binde 5 alan KGF, ba\u015fvuru \u00fccreti i\u00e7in de 100 TL ile 250 TL aras\u0131nda de\u011fi\u015fen bir ba\u015fvuru \u00fccreti talep etmekte. Kullan\u0131lmak istenen kredinin %85\u2019ine kadar kefil olan KGF, vadeler konusunda bankalarla anla\u015fman\u0131z gerekti\u011fini belirtiyor. Hazineden Kredi Garanti Fonuna y\u0131lda aktar\u0131lan kaynak ise 2 milyar lira.<\/p>\n

Kefil olunacak ki\u015finin riskli bir yap\u0131ya sahip oldu\u011fu belirlenirse, KGF bir teminat talep edebilir. Bankalar da teminat ile kredi verebiliyor evet ama bankalar\u0131n teminat olarak kabul etmedi\u011fi , ta\u015f\u0131t veya makine rehini, marka rehini, hisseli araziler, tarla vas\u0131fl\u0131 ta\u015f\u0131nmazlar gibi teminatlar\u0131 KGF kabul g\u00f6r\u00fcyor. Kefilsiz Kredi<\/strong> talebi, Hazine ve Kredi <\/a>komitelerince ayr\u0131 ayr\u0131 de\u011ferlendirilerek onaylan\u0131yor veya red cevab\u0131 al\u0131yor.<\/p>\n

KGF Esnafa Kefilsiz Kredi \u0130\u00e7in Ba\u015fvuru \u015eartlar\u0131<\/strong><\/p>\n