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Arı yetiştir iciliği sektöründe başlangıç sermayesine veya hibeye ihtiyaç duyan vatandaşlara hem devlet kurumları hem devlet bankaları hemde özel bankalar tarafından arıcılık kredileri verilmektedir. Bal , Balmumu , Polen , Propolis , Arı sütü , polinasyon üretim ve ihtiyaçlarınız için kamu kuruluşlarına yapılan başvurular gerekli şartların taşınması durumunda yapılabiliyorken, özel bankalar sadece kredi not puanınızın yeterli olmasına bağlıdır. Peki, bu işe ilk kez adım atmak isteyen girişimciler bu iş için gerekli finansman ihtiyaçlarını nereden karşılayabilir, devlet bu sektöre ne gibi destekler sağlıyor, girişimcilerin izlemesi gereken yol nedir? Arıcılık için devletin hibe ve cazip koşullarda kredi desteklerinden yararlanmak isteyenler nereye başvurmalı? İşte konu hakkında detaylı bilgiler...
ZİRAAT BANKASI ARICILIK KREDİLERİNİN ŞARTLARI NEDİR?
Kanatlı sektörün son senelerde gözdesi olan arıcılık devlet tarafından kredi faiz açısından desteklenmeye devam etmektedir. Tarım Kredi Kooperatiflerinin de bu desteğe sağlamış olduğu imkanlar doğrultusunda Ziraat bankası ndan şartlara uygun olmanız halinde 2021 yıllarında tam 2.500.000 TL kadar senelik sadece %17 faiz oranları ile kredi alabilirsiniz. Aylık olarak kredi maliyet oranları hariç sadece %1.41 faiz oranları ile arıcılık kredisi alabilmeniz için öncelik ile mutlaka sektöre yatırım yapmak için sıfırdan başlıyor iseniz en az 50 arılı kovan almanız lazımdır. Sektörde var iseniz de de 50 kovanın üzerine çıkacak şekilde kredi başvurularında bulunması gerekir. Talep edilen bu sayıyı karşılayan arıcılarımıza sadece canlı arılı kovan almak için kredi vermek ile yetinmeyen Ziraat bankası sektörde ihtiyaç duydukları şu gereksinimleri almak içinde yine %80 varan faiz destekli kredi imkanı sağlar.
7 YIL VADELİ DEVLET DESTEKLİ ZİRAAT BANKASI ARICILIK KREDİSİ RESMİ GAZETE'DE
Ziraat bankası ve Tarım Kredi Kooperatifleri tarafından tarım ve hayvancılık sektörlerinde kullandırılmak üzere düşük faizli ve faiz indirimli kredilerin kullandırılmasına ilişkin Tebliğ 30 Aralık 2020 tarihinde yayınlanmıştır. Bu yıl yayınlanan Resmi Gazete' de ki tebliğde arıcılık sektörü ayrı olarak kategori altına alınmış ve kullandırılacak kredinin üst limiti ve sübvansiyon uygulanacak bu kredinin şartlarını yerine getirenler için ne kadar faiz oranı uygulanacağı belli olmuştur. Ziraat bankası tarafından 12 aydan başlayarak 7 yıla varan vadeleri ile kullandırılacak olan arıcılık kredisine yatırım ve işletme kredisi % 50 faiz indirimleri ile kullandırıyor.
DEVLET DESTEĞİ ARICILIK HİBESİ 2021
Devlet tarafından tarım ve hayvancılık alanında faaliyet gösterenlere birçok destek sağlandığından bahsetmiştik. Ziraat Bankası aracılığı ile ödemesi yapılan arıcılık alanı için de verilen bu hibe desteği Tarım ve Orman Bakanlığı tarafından verilmekte olup hibe destek tutarı 30 bin TL olarak verilmektedir. Bu bir hibe desteği olması sebebi ile herhangi bir geri ödeme bedeli bulunmuyor.
Destek kapsamında verilecek olan 30 bin TL hibe yalnızca belirli koşulları sağlayan kişilere veriliyor. Destekten yararlanacak olan kişilerin ilk olarak T.C vatandaşı olması, 18/41 yaş aralığında olması ve okur yazar olması gerekiyor. Bunun yanı sıra düzenli bir işinin olmaması ve herhangi bir yerde çalışmıyor olması gerekiyor. Sağlanan hibeyi arıcılık projesi için kullanmak için 50 taneden fazla kovana sahip olunmaması gerekiyor. Hibe desteğinden yararlanmak için daha önce Bakanlık tarafından verilen ve aynı hibe programlarından aile üyeleri de dahil olmak üzere yararlanmamış olunması gereklidir.
ARILI KOVAN DESTEĞİ YÜKSELDİ
Tarım ve Orman Bakanlığı tarafınca sağlanan bir destekte arılı kovan desteğidir. Bu destekten AKS kayıtlı yetiştiriciler faydalanmakta olup yetiştiricilerin minimum 30 tane maksimum ise 1000 tane arılı kovanı bulunması gereklidir. Arılı kovan desteği için kovan başına 10 TL destek ödemesi yapılıyor idi. Ancak 2021 yılında verilen destek 10 TL'den 15 TL'ye çıkartıldı. Destekten faydalanacak kişilerin belirlenen tarihlerde başvuru yapmaları gereklidir.
"ARICILIK YAPAN" ÇİFTÇİLERİMİZDEN İSTENİLEN ŞARTLAR NELERDİR?
Belirtilen şartlar doğrultusunda "ARILI KOVAN" alacak olan çiftçilerimizden Ziraat bankası nakit akışı sağlamadan önce bazı şartları da aramaktadır. HAYVAN KREDİSİ olarak kabul gören ARICILIK KREDİLERİ başvuruları şahsen yapılırken bu şartlar sizden yetkili memur tarafından talep edilecektir.
1. KKB notunuzun 1700 puan üzerinde olması oldukça önem arz eder. Bu puanı yetkili memur kimlik numaranız ile ilk olarak sorgular. Şayet sorgulama sonrasında RİSK RAPORUNUZ sorunsuz ise sizden,
2. Tercihen çalışan en az 2 tane kefil. (eşlerinin rızası olması şartıyla)
3. Devlete ait vergi borcunuzun olmadığını gösteren belge. (Vergi dairesinden)
4. İPOTEK edilecek taşınmaz. (Arsa, konut gibi)
5. İşletme belgesi ve varsa gelir beyanı
6. İşletme tescil belgesi (arıcılık belgesi) mutlaka istenilecektir.
ARICILIK BELGESİ NE İŞE YARAR?
Arıcılık belgesi Milli eğitim Bakanlığı tarafından verilen ve üreticilerin arıcılık işinin eğitimini alarak o işi yapabildiklerini belgeleyen sertifikadır. Bu sertifikaya sahip olan üreticiler arıcılık sektörlerinde verilen hibe, kredi ve teşviklerden kolaylıkla yararlanabilirler.
ARICILIK KREDİSİ VEREN BANKALAR HANGİLERİ?
Arıcılık devlet destekleri yanında arıcılık kredisi veren bankalar da arıcılık faaliyetlerine başlamanız ya da sürdürmeniz için yararlı olmaktadır. Arıcılık kredisi veren bankalar;
Şekerbank Arıcılık Kredisi ; arı ve arı ürünlerinin yetiştiriciliğini yapmanız için 36 ay vade süreli, hasat döneminde ödemeli olarak sunulan kredi desteğidir. Krediden yararlanmak için birlik üyesi olmak gerekmektedir. Faiz oranları ise yıllık olarak belirlenmektedir. Türkiye Ekonomi Bankası Arıcılık Kredisi; arı yetiştir iciliği yapmak isteyenler için TEB tarafından sunulan kredi; arı, kovan alımı, nakliye, arı yemleri, petek ve diğer malzemelerin alımlarında kullanılabiliyor. Ziraat Bankası Arıcılık Kredisi; Banka tarafından yıllık yüzde 10 üzerinden cari faiz uygulanmakta olup 2.500.000 TL'ye kadar arıcılık kredisi sağlanmaktadır. Düşük faizler ile sunulan arıcılık kredisi 7 yıl vadeli olarak kredi çekmek isteyenlere sunuluyor ve yıllık olarak hasat zamanı kredi ödeme imkânı da sağlıyor.