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Dünya genelinde pandemi olarak ilan edilen koronavirüs nedeniyle bir çok küçük esnaf ve girişimciler ekonomik olarak destek aramaya başladı. KOSGEB ile ilgili bazı detayları aktarmak istiyoruz. Esnafın düşük faizli yada faiz olmadan kredi veren KOSGEB'in desteği için başvurular nasıl yapılacak. Bir kişinin kredi talebinde bulunduğu bankaya borcu varsa ya da kara listede yer alıyorsa, aşağıdaki başvuru şartlarını sağladığı halde KOSGEB faizsiz krediye başvuramaz. KOSGEB'e faizsiz kredi başvurusu yaptığınızda incelemeye alınırsınız. İnceleme sonunda ön onay alırsanız gerekli evraklarla birlikte anlaşmalı bankalara giderek kredi talep edebilirsiniz.
ESNAFLARA KOSGEB KREDİSİ VEREN BANKALAR HANGİLERİ? KOBİ'leri desteklemek için birçok destek programı bulunmaktadır. Bu desteklerin içerisinde en fazla talep gören, KOBİ bünyesinde olan esnaflara işletmenin finansal giderleri karşılamaları için bankalardan alacakları kredisinin faizini ödeyen Kredi Faiz Desteği programı olmaktadır. Program kapsamında devlet tarafından ayrılan miktara gereksinim duyan ve işletmesini geliştirmek için proje hazırlayan esnaflara anlaşmalı bankalar sayesinde kredi faiz desteği verilmektedir. Faizsiz destek kredisi veren bankalar şunlardır: * Akbank, Altenatifbank, Denizbank, Finansbank, Fortisbank, Güvence Bankası, HSBC Bank, Ziraat Bankası, Türk İktisat Bankası, Halkbank, İş Bankası, VakıfBank, Yapı Kredi Bankası.
Yukarıda sıralanan bankalar aracılığı ile kredi faiz desteği projeniz onaylandıktan sonra hiçbir harcama ve faiz ödemeden kredinizi kullanabileceksiniz.
HALKBANK KOSGEB KREDİSİ
Halkbank , Kosgeb ile işini kuran girişimcilere faizsiz kredi desteğinde bulunmaktadır. Geçtiğimiz yıllarda olduğu gibi bir çok farklı sektöre kredi desteğinde bulunan Halkbank'tan 2021 yılında da faizsiz kredi çekebilirsiniz. Halkbank; Kosgeb ile işini kuran işletmelerin acil finansman ihtiyaçlarına özel olarak üretim, kalite standart artışı, istihdam yatırımları, uluslararası rekabet edilmesi gibi pek çok farklı kategorilerde destek kredileri vermektedir. Halkbank Kobi Kosgeb paketi ile İşletme kredisi ile makine ve teçhizat kredisi çekebilir, farklı vadeler ve ödemesiz dönemlerle kredinizi rahat bir şekilde ödeyebilirsiniz. Halkban'tan Kosgeb destek paketi kapsamında 50 bin TL ile 500 bin TL arasında finansman desteği çekebilirsiniz. Halkbank Kosgeb kredi paketi kapsamında:
* Girişimci işletmelere özel: 50 bin TL'ye kadar,
* Stratejik ve öncelik verilen sektördeki işletmelere özel olarak: 500.000 TL'ye kadar kredi desteği alabilirsiniz.
* Söz konusu girişimcinin kadın, genç, engelli, gazi yada birinci derece şehit yakını olanların 70.000 TL'ye kadar kredi çekebilirler.
* İşletme kredilerinin vadesi 12 ile 18 aydır,
* Makine teçhizat kredilerinin vadesi ise 12, 18, 24, 30 veya 36 ay vadelidir.
İlgili kredilerden yararlanmak istiyorsanız öncelikle Kosgeb veritabanına kayıtlı olarak hizmet veren bir firma olmanız gerekmektedir.
HALKBANK FAİZSİZ KREDİ BAŞVURUSU
Halkbank ekonomiye destek olmaya devam ediyor. Özellikle genç girişimcilere ve kaybolmaya yüz tutan meslek kollarına, ustalık belgesine sahip esnaf ve sanatkarlara sıfır faizli esnaf kredileri vermektedir. Bu kredi çeşitleri aşağıda yer almaktadır.
VAKIFBANK'TAN KOBİ'LERE 250 MİLYON DOLARLIK YENİ PAKET
VakıfBank , Dünya Bankası ile gerçekleştirdiği 250 milyon dolarlık kaynak temini anlaşmasıyla, salgından etkilenen KOBİ'lere yönelik geniş kapsamlı bir destek paketi hazırladı.
VakıfBank açıklamasına göre, Türkiye'de salgının ekonomik etkilerini azaltmak amacıyla Dünya Bankası'ndan uzun vadeli kaynak temin eden Banka, işletmelere özel hazırladığı paketle reel sektöre destek olmaya devam ediyor. Salgın Destek Paketinden, Dünya Bankası KOBİ tanımına uyan 250'nin altında çalışan sayısına sahip gerçek ve tüzel kişi işletmeleri faydalanabilecek.
Açıklamada aktarılanlara göre, salgın şartlarına uyum sağlamak için iş ortamında çeşitli sağlık önlemleri almış ya da alacak olan, salgın şartlarına uygun dijital ve inovatif çözümler geliştirmiş ya da geliştirecek olan işletmeler destekten faydalanabiliyor. İşyerinin düzenli dezenfekte edilmesi, çalışan sağlığı düzenlemeleri, sosyal mesafeyi iyileştirmek için işyeri ortamında yapılan yenilemeler, salgın önlemlerini veya salgın ortamında dijitalleşme ve otomasyonu artırarak yeni ürün ve hizmetler yaratma, yeni pazarlama kanallarını ve yeni iş çözümlerini hayata geçirmek için yapılar harcamalar bunlar arasında yer alıyor.
İŞLETMELERE 6 MİLYON DOLARA KADAR KREDİ İMKANI Açıklamada görüşlerine yer verilen VakıfBank Genel Müdürü Abdi Serdar Üstünsalih, "Küresel anlamda belirsizliklerin devam ettiği bu süreçte, Dünya Bankası ile yıllardır devam eden iş birliğimizin devamı niteliğinde uygun maliyetli ve uzun vadeli yeni bir kaynak getirmiş olmanın mutluluğunu yaşıyoruz. Bu aynı zamanda VakıfBank'ın uluslararası kalkınma bankaları özelinde tek seferde sağladığı en büyük montanlı kredi olma özelliğini de taşıyor." ifadelerini kullandı.
Üstünsalih, "Paket kapsamında bir firma tek seferde 3 milyon dolar ve muadili TL, avro azami kredi kullanabilirken, bu tutar toplamda ise 6 milyon dolar ve muadili TL, avro olabilecek." açıklamasında bulundu.
KOSGEB'E KİMLER BAVURABİLİR?
KOSGEB'den maalesef her iş kurmak isteyen yararlanamamaktadır. Öncelikle kişilerin kurum tarafından verilen iş kurma eğitimini alması gerekmektedir. Bununla beraber kurum tarafından üniversiteler bünyesinde gerçekleştirilen Genç Girişimci Geliştirme Programı'na da katılıp KOSGEB'e başvurulabilmektedir.
* Yeni bir iş kurup, iş hayatına atılmak isteyen herkes, * İş yerini geliştirmeyi düşünenler, * İşletmesine yeni teçhizat ve makine almak isteyenler, * Personel istihdam etmek isteyenler, * Firmasının tanıtımını yapmak isteyenler, * Hem yurt içi hem de yurt dışı fuarlara katılım sağlamak isteyenler, * Personeline eğitim verme amacı güdenler, * Ar-Ge ve inovasyon anlamında projeler üretmek ve bu projeleri hayata geçirmek isteyenler.
KOSGEB DESTEK KREDİSİNE NASIL BAŞVURULUR?
KOSGEB Kredi Faiz Desteği Programı'ndan faydalanmak isteyen esnaf veya girişimciler için süreç, hazırlayacakları projelere göre şekilleniyor. Kendi işletmesini geliştirmek adına bir proje oluşturan işletme sahipleri, bu projelerini KOSGEB'e sunacak.
KOSGEB'in projeye onay vermesi durumunda ise kredi paketinden faydalanılabilir. İşletmeler bu kapsamda ilk önce proje onayını alacak, daha sonra KOSGEB kredisi veren bankalardan hangisiyle çalışmak istiyorlarsa başvurularını yapabilecek.