{"id":9971,"date":"2018-01-26T20:28:43","date_gmt":"2018-01-26T20:28:43","guid":{"rendered":"http:\/\/www.yenisehirtso.org.tr\/v5\/?p=9971"},"modified":"2018-08-26T20:29:20","modified_gmt":"2018-08-26T20:29:20","slug":"tobb-nefes-kredisi","status":"publish","type":"post","link":"https:\/\/www.yenisehirtso.org.tr\/v5\/tobb-nefes-kredisi\/","title":{"rendered":"TOBB Nefes Kredisi"},"content":{"rendered":"<p><strong>D\u00fc\u015f\u00fck faiz oranlar\u0131yla ge\u00e7ti\u011fimiz sene KOB\u0130\u2019lere cansuyu olan TOBB Nefes Kredisi Projesi bu sene 18 aya uzat\u0131lan vadesi ile yeniden geliyor. <\/strong><!--more--><\/p>\n<p><strong>TOBB \u00f6nc\u00fcl\u00fc\u011f\u00fcnde, Oda ve Borsalar\u0131n katk\u0131lar\u0131yla<\/strong> <strong>ger\u00e7ekle\u015ftirilecek yeni Nefes Kredisi i\u00e7in imzalar Ba\u015fbakan Binali Y\u0131ld\u0131r\u0131m, G\u00fcmr\u00fck ve Ticaret Bakan\u0131 B\u00fclent T\u00fcfenkci ve TOBB Ba\u015fkan\u0131 M. Rifat Hisarc\u0131kl\u0131o\u011flu\u2019nun kat\u0131l\u0131mlar\u0131yla 31 Mart Cumartesi g\u00fcn\u00fc \u0130zmir\u2019de at\u0131ld\u0131. <\/strong><\/p>\n<p><strong>Nefes Kredisinde faizler ayl\u0131k y\u00fczde 0,99, y\u0131ll\u0131k y\u00fczde 11,88 olarak belirlendi.<\/strong><\/p>\n<p><strong>Kredi vadesi, ilk 6 ay geri \u00f6demesiz, takip eden 12 ay e\u015fit taksitli olmak \u00fczere toplam 18 ay olacak. <\/strong><\/p>\n<p><strong>\u0130ki \u00fc\u00e7 ay i\u00e7erisinde yakla\u015f\u0131k 70 bin Oda-Borsa \u00fcyesinin faydalanmas\u0131 beklenen Nefes Kredisi 6 bankadan kullan\u0131labilecek.<\/strong><\/p>\n<p><strong>Nefes Kredisi verecek bankalar Ziraat Bankas\u0131, Denizbank, Halkbank, Vak\u0131fbank, Ziraat Kat\u0131l\u0131m ve Vak\u0131f Kat\u0131l\u0131m olarak a\u00e7\u0131kland\u0131.<\/strong><\/p>\n<p><strong>\u00dcyelerimiz 2 Nisan 2018 Pazartesi g\u00fcn\u00fcnden itibaren Nefes Kredisi kullanmaya ba\u015flayacak.<\/strong><\/p>\n<p><strong><u>KOB\u0130\u2019ler \u2018Nefes\u2019 Alacak<\/u><\/strong><\/p>\n<ul>\n<li>Ge\u00e7ti\u011fimiz sene kredilerde durgunlu\u011fun ya\u015fand\u0131\u011f\u0131 ve faizlerin y\u00fcksek oldu\u011fu d\u00f6nemde TOBB, Oda ve Borsalar elini ta\u015f\u0131n alt\u0131na koymu\u015f, Aral\u0131k 2016\u2019da Nefes Kredisi ve yeni KGF sistemi ile KOB\u0130 kredilerinde yeni bir d\u00f6nem ba\u015flatm\u0131\u015ft\u0131.<\/li>\n<li>Bu s\u00fcre\u00e7te, hazine deste\u011fini arkas\u0131na alan KGF arac\u0131l\u0131\u011f\u0131yla toplamda 681 bin firmaya 234 milyar TL kredi imkan\u0131 olu\u015fturulmu\u015f, Nefes Kredisi ile 5 milyar TL\u2019lik kredi hacim yarat\u0131lm\u0131\u015ft\u0131. 1 senede 30 bin firma TOBB Nefes Kredisinden yararlanm\u0131\u015ft\u0131.<\/li>\n<li>2018 y\u0131l\u0131nda Nefes Kredisi 18 aya uzat\u0131lan vadesi ile yeniden TOBB \u00fcyelerinin hizmetinde. Ayr\u0131ca bu sene kredi kulland\u0131racak banka say\u0131s\u0131 da 6\u2019ya y\u00fckseltildi.<\/li>\n<li>Nefes Kredisi T\u00fcrkiye\u2019nin d\u00f6rt bir yan\u0131ndaki Ziraat Bankas\u0131, Denizbank, Halkbank, Vak\u0131fbank, Ziraat Kat\u0131l\u0131m ve Vak\u0131f Kat\u0131l\u0131m \u015fubelerinden kullan\u0131labilecek.<\/li>\n<\/ul>\n<p><strong><u>Nefes Kredisi: Y\u0131ll\u0131k faiz oran\u0131 y\u00fczde 12\u2019nin alt\u0131nda, 6 ay geri \u00f6demesiz, 18 ay vadeli kredi!<\/u><\/strong><\/p>\n<ul>\n<li>T\u00fcrkiye Odalar ve Borsalar Birli\u011fi (TOBB), Odalar ve Borsalar mevduatlar\u0131n\u0131 6 bankaya yat\u0131rarak, \u00fcyesi olan KOB\u0130\u2019lere ayl\u0131k %0,99 y\u0131ll\u0131k %11,88 faiz oran\u0131 ve 6 ay geri \u00f6demesiz 18 ay vadeyle kredi kullanma imkan\u0131 sa\u011fl\u0131yor.<\/li>\n<li>TOBB, Oda ve Borsalar elindeki kaynaklar\u0131n\u0131n \u00fcyelerinin kullan\u0131m\u0131na a\u00e7\u0131yor. Teminat yetersizli\u011finden kredi kullanamayan KOB\u0130\u2019lere de y\u0131llard\u0131r oldu\u011fu gibi yine KGF destek oluyor. KGF, kredi tutar\u0131n\u0131n %85\u2019ine hazine destekli kefalet veriyor.<\/li>\n<li>Nefes Kredisi KGF\u2019nin verece\u011fi kefalet ile kulland\u0131r\u0131laca\u011f\u0131 i\u00e7in bankalar\u0131n risk primleri de s\u0131f\u0131rlanm\u0131\u015f oluyor. KGF de Portf\u00f6y Garanti Sistemi ile kendisine yap\u0131lan ba\u015fvurular\u0131 ayn\u0131 g\u00fcn i\u00e7erisinde sonland\u0131racak. B\u00f6ylelikle i\u015fletmeler g\u00fcnler i\u00e7erisinde kredilerini kullanm\u0131\u015f olacak.<\/li>\n<\/ul>\n<p><strong><u>Finansmanda \u0130novasyon<\/u><\/strong><\/p>\n<ul>\n<li>Ge\u00e7ti\u011fimiz sene Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan\u2019\u0131n \u201cFinansman\u2019da \u0130novasyon\u201d olarak nitelendirdi\u011fi Nefes Kredisi\u2019nde T\u00fcrkiye Odalar ve Borsalar Birli\u011fi ile Oda ve Borsalar 500 milyon TL\u2019lik mevduat\u0131 6 bankaya aktaracak, bankalar da bu miktar\u0131n 15 kat\u0131 yani 7,5 milyar TL kredi imk\u00e2n\u0131 sa\u011flayacak.<\/li>\n<li>2-3 ay gibi k\u0131sa bir s\u00fcrede 70 bin KOB\u0130\u2019nin \u2018Nefes Kredisi\u2019 kullanmas\u0131 bekleniyor.<\/li>\n<li>KOB\u0130\u2019ler, faaliyetlerini s\u00fcrd\u00fcrd\u00fckleri illere g\u00f6re en fazla 200 bin TL kredi kullanabilecekler.<\/li>\n<\/ul>\n<p><strong><u>B\u00fcrokrasisi az, basit kredi s\u00fcre\u00e7leri<\/u><\/strong><\/p>\n<ul>\n<li>TOBB \u00fcyesi firmalar \u00fcye oldu\u011fu Oda-Borsa\u2019ya giderek \u201cTOBB Nefes Kredisi Ba\u015fvurusu\u201d i\u00e7in faaliyet belgesi isteyecek.<\/li>\n<li>Ald\u0131\u011f\u0131 faaliyet belgesi ile 6 bankan\u0131n T\u00fcrkiye genelindeki \u015fubelerine giderek TOBB Nefes Kredisi ba\u015fvurusu yapacak.<\/li>\n<li>Bankalar, KOB\u0130\u2019nin TOBB Nefes Kredisi ba\u015fvurusunu alacak, KGF ile birlikte krediye uygunlu\u011fu de\u011ferlendirecek<\/li>\n<li>De\u011ferlendirme s\u00fcreci olumlu sonu\u00e7lan\u0131rsa; bankalar, KOB\u0130\u2019ye TOBB Nefes Kredisi kulland\u0131racak.<\/li>\n<\/ul>\n<p><strong><u>Masraf en fazla 51 TL<\/u><\/strong><\/p>\n<ul>\n<li>Bankalar\u0131n TOBB Nefes Kredisi i\u00e7in alaca\u011f\u0131 masraf kefalet oran\u0131n\u0131n %0,03\u2019\u00fc (onbinde \u00fc\u00e7) ile s\u0131n\u0131rl\u0131 olacak.<\/li>\n<li>Dolas\u0131yla bankalar 51 TL\u2019nin \u00fczerinde masraf almayacak. \u00dcyeler d\u00fc\u015f\u00fck faiz ve uzat\u0131lm\u0131\u015f yeni vadenin yan\u0131 s\u0131ra d\u00fc\u015f\u00fck masraftan da yararlanacak.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>D\u00fc\u015f\u00fck faiz oranlar\u0131yla ge\u00e7ti\u011fimiz sene KOB\u0130\u2019lere cansuyu olan TOBB Nefes Kredisi Projesi bu sene 18 aya uzat\u0131lan vadesi ile yeniden geliyor.<\/p>\n","protected":false},"author":1,"featured_media":9972,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[],"_links":{"self":[{"href":"https:\/\/www.yenisehirtso.org.tr\/v5\/wp-json\/wp\/v2\/posts\/9971"}],"collection":[{"href":"https:\/\/www.yenisehirtso.org.tr\/v5\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.yenisehirtso.org.tr\/v5\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.yenisehirtso.org.tr\/v5\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.yenisehirtso.org.tr\/v5\/wp-json\/wp\/v2\/comments?post=9971"}],"version-history":[{"count":1,"href":"https:\/\/www.yenisehirtso.org.tr\/v5\/wp-json\/wp\/v2\/posts\/9971\/revisions"}],"predecessor-version":[{"id":9973,"href":"https:\/\/www.yenisehirtso.org.tr\/v5\/wp-json\/wp\/v2\/posts\/9971\/revisions\/9973"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.yenisehirtso.org.tr\/v5\/wp-json\/wp\/v2\/media\/9972"}],"wp:attachment":[{"href":"https:\/\/www.yenisehirtso.org.tr\/v5\/wp-json\/wp\/v2\/media?parent=9971"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.yenisehirtso.org.tr\/v5\/wp-json\/wp\/v2\/categories?post=9971"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.yenisehirtso.org.tr\/v5\/wp-json\/wp\/v2\/tags?post=9971"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}