{"id":8842,"date":"2024-11-29T15:49:40","date_gmt":"2024-11-29T12:49:40","guid":{"rendered":"https:\/\/mukellef.co\/blog\/?p=8842"},"modified":"2026-01-12T11:54:34","modified_gmt":"2026-01-12T08:54:34","slug":"esnaf-kefalet-kredisi-nedir","status":"publish","type":"post","link":"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/","title":{"rendered":"Esnaf Kefalet Kredisi Nedir? Esnaf Kredisi Faiz Oranlar\u0131 2026"},"content":{"rendered":"\n<p>Ticarete at\u0131lmak isteyen veya i\u015fletmesini geli\u015ftirip ayakta tutmak isteyen giri\u015fimciler i\u00e7in sa\u011flanan \u00e7e\u015fitli olanaklar vard\u0131r. Bu olanaklar sayesinde giri\u015fimciler hem maddi hem manevi a\u00e7\u0131dan daha az sorunla kar\u015f\u0131la\u015farak ticari faaliyetlerini ger\u00e7ekle\u015ftirebilir, i\u015fletmelerini b\u00fcy\u00fct\u00fcrken daha geni\u015f bir faaliyet alan\u0131na sahip olabilir. Bu olanaklardan biri de h\u00e2lihaz\u0131rda i\u015fletmesi bulunan ve kredi ihtiyac\u0131 duyan i\u015fletme sahipleri i\u00e7in sa\u011flanan esnaf kefalet kredisidir. Esnaf kefalet kredisi, esnaflar i\u00e7in nakit ak\u0131\u015f\u0131n\u0131 d\u00fczenlemeye yard\u0131mc\u0131 olurken bar\u0131nd\u0131rd\u0131\u011f\u0131 \u00e7e\u015fitli avantajlarla esnaflar\u0131n maddi olarak ayakta kalmas\u0131 i\u00e7in onlar\u0131 destekler. Peki, uzun vade s\u00fcresiyle ve devlet destekli faiz oranlar\u0131yla esnaf kefalet kredisi tam olarak nedir? Esnaf kredisi i\u00e7in ge\u00e7erli olan faiz oranlar\u0131 nelerdir?&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">\u0130\u00e7indekiler<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u0130\u00e7indekiler Tablosunu A\u00e7\/Kapat\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Esnaf_Kefalet_Kredisi_Nedir\" >Esnaf Kefalet Kredisi Nedir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Esnaf_Kefalet_Kredisi_Veren_Bankalar\" >Esnaf Kefalet Kredisi Veren Bankalar<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Esnaf_Kefalet_Kredisi_Sartlari_Nelerdir\" >Esnaf Kefalet Kredisi \u015eartlar\u0131 Nelerdir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Esnaf_Kefalet_Kredisi_Icin_Gerekli_Belgeler\" >Esnaf Kefalet Kredisi \u0130\u00e7in Gerekli Belgeler<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Esnaf_Kefalet_Kredisi_Ne_Kadar\" >Esnaf Kefalet Kredisi Ne Kadar?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Esnaf_Kredisi_Faiz_Oranlari_2026\" >Esnaf Kredisi Faiz Oranlar\u0131 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Esnaf_Kefalet_Kredisi_Nasil_Alinir\" >Esnaf Kefalet Kredisi Nas\u0131l Al\u0131n\u0131r?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Esnaf_Kefalet_Kredisi_Hesaplama_Nasil_Yapilir\" >Esnaf Kefalet Kredisi Hesaplama Nas\u0131l Yap\u0131l\u0131r?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Esnaf_Kefalet_Kredisi_Odeme_Plani_Ornegi\" >Esnaf Kefalet Kredisi \u00d6deme Plan\u0131 \u00d6rne\u011fi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Mukellef_ile_Yararlanabileceginiz_Tesvik_ve_Destekleri_Kesfedin\" >M\u00fckellef ile Yararlanabilece\u011finiz Te\u015fvik ve Destekleri Ke\u015ffedin!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Sikca_Sorulan_Sorular\" >S\u0131k\u00e7a Sorulan Sorular<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Esnaf_Kefalet_Kredisi_Banka_Onayi_Kac_Gunde_Gelir\" >Esnaf Kefalet Kredisi Banka Onay\u0131 Ka\u00e7 G\u00fcnde Gelir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Esnaf_Kefalet_Kredisi_Kac_Gunde_Cikar\" >Esnaf Kefalet Kredisi Ka\u00e7 G\u00fcnde \u00c7\u0131kar?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Esnaf_Kefalet_Kredisi_Erken_Odeme_Indirimi_Var_mi\" >Esnaf Kefalet Kredisi Erken \u00d6deme \u0130ndirimi Var m\u0131?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/mukellef.co\/blog\/esnaf-kefalet-kredisi-nedir\/#Esnaf_Kefalet_Kredisi_Kullaniminda_Yapilan_Kesintiler_Nelerdir\" >Esnaf Kefalet Kredisi Kullan\u0131m\u0131nda Yap\u0131lan Kesintiler Nelerdir?\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Esnaf_Kefalet_Kredisi_Nedir\"><\/span>Esnaf Kefalet Kredisi Nedir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Esnaf kefalet kredisi, uzun y\u0131llard\u0131r y\u00fcr\u00fcrl\u00fckte olan ve krediye ihtiya\u00e7 duyan \u00e7e\u015fitli esnaf veya sanatk\u00e2rlar i\u00e7in uygulanan faiz indirimleriyle g\u00fcndeme gelen bir kredi t\u00fcr\u00fcd\u00fcr. Esnaf kefalet kredisinin detaylar\u0131 Cumhurba\u015fkan\u0131 Karar\u0131 ile belirlenip Resm\u00ee Gazete&#8217;de yay\u0131mlan\u0131r.<\/p>\n\n\n\n<p>Temelleri Esnaf ve Kredi Kefalet Kooperatifleri&#8217;ne dayanan kredi t\u00fcr\u00fc her esnaf ya da sanatk\u00e2ra verilmez, \u00f6ncelikle esnaf ve sanatk\u00e2rlar\u0131n baz\u0131 \u015fartlar\u0131 kar\u015f\u0131lamas\u0131 gerekir. Esnaf ve sanatk\u00e2rlara y\u00f6nelik verilen faiz indirimli kredi i\u00e7in 2022 y\u0131l\u0131nda 5061 say\u0131l\u0131 Cumhurba\u015fkan\u0131 Karar\u0131 ile baz\u0131 g\u00fcncellemeler yap\u0131lm\u0131\u015ft\u0131r. Ayr\u0131ca kredi i\u00e7in belirlenen \u00fcst limit <a href=\"https:\/\/esnafkoop.ticaret.gov.tr\/haberler\/esnaf-ve-sanatkarlara-yonelik-faiz-indirimli-kredi-limiti-yukseltildi\" target=\"_blank\" rel=\"noreferrer noopener\">Esnaf Kooperatifli\u011fi<\/a> taraf\u0131ndan her y\u0131l de\u011fi\u015fiklik g\u00f6stermektedir.<\/p>\n\n\n\n<p>Esnaf kefalet kredisi genel olarak paraya ihtiyac\u0131 olan, i\u015fletmesini geli\u015ftirmekte veya ayakta tutmakta maddi olarak g\u00fc\u00e7l\u00fck ya\u015fayan esnaflar veya sanatk\u00e2rlar i\u00e7in \u00e7e\u015fitli oranlarda faiz indirimi sa\u011flayan bir kredi \u00e7e\u015fididir. Bu krediyi veren bankalar\u0131n faiz oran\u0131nda ya\u015fad\u0131\u011f\u0131 gelir kayb\u0131 Hazine ve Maliye Bakanl\u0131\u011f\u0131 taraf\u0131ndan kar\u015f\u0131lan\u0131r.<\/p>\n\n\n\n<p>Esnaf kefalet kredisinde T\u00fcrkiye Esnaflar ve Sanatk\u00e2rlar Kredi ve Kefalet Kooperatifi, esnaflar ad\u0131na kredi i\u00e7in kefil olur. B\u00f6ylece i\u015fletme sahipleri, kredi ba\u015fvurusu yaparken ba\u015fka kefil bulmak durumunda kalmaz. Ayr\u0131ca esnaflar\u0131n ve sanatk\u00e2rlar\u0131n \u00f6deyemedi\u011fi veya geciktirdi\u011fi kredi taksitleri i\u00e7in TESKOMB&#8217;a ba\u015fvurmalar\u0131 gerekir. K\u0131saca esnaf kefalet kredisi, esnaflar\u0131n bankalara g\u00fc\u00e7l\u00fc bir kefil g\u00f6stererek belirli miktarda kredi \u00e7ekmesine imk\u00e2n tan\u0131yan ve baz\u0131 durumlarda faiz indirimi sa\u011flayan kredi \u00e7e\u015fididir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Esnaf_Kefalet_Kredisi_Veren_Bankalar\"><\/span>Esnaf Kefalet Kredisi Veren Bankalar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Esnaf kefalet kredisi verebilen bankalar devlet taraf\u0131ndan g\u00f6revlendirilir ve bu bankalara ili\u015fkin karar Resm\u00ee Gazete&#8217;de yay\u0131mlan\u0131r. 2022 y\u0131l\u0131nda Resm\u00ee Gazete&#8217;de yay\u0131mlanan Cumhurba\u015fkan\u0131 karar\u0131na g\u00f6re esnaf kefalet kredisi vermekle g\u00f6revlendirilen banka Halkbank&#8217;t\u0131r.<\/p>\n\n\n\n<p>Halkbank&#8217;\u0131n sa\u011flad\u0131\u011f\u0131 iki \u00e7e\u015fit esnaf kredisi bulunmaktad\u0131r. Bunlardan biri TESKOMB ortakl\u0131\u011f\u0131 sayesinde kefaleti bulunan kredidir, di\u011fer kredi t\u00fcr\u00fcndeyse TESKOMB ortakl\u0131\u011f\u0131 aranmaz. \u0130ki t\u00fcr\u00fcn \u015fartlar\u0131 ve kredi limitleri farkl\u0131l\u0131k g\u00f6stermektedir. Yani esnaf kefalet kredisi, TESKOMB ortakl\u0131\u011f\u0131 ve <a href=\"https:\/\/www.resmigazete.gov.tr\/eskiler\/2022\/01\/20220104-7.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Halkbank<\/a> arac\u0131l\u0131\u011f\u0131yla verilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Esnaf_Kefalet_Kredisi_Sartlari_Nelerdir\"><\/span>Esnaf Kefalet Kredisi \u015eartlar\u0131 Nelerdir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Esnaf kefalet kredisi alabilmek i\u00e7in baz\u0131 \u015fartlar\u0131 ger\u00e7ekle\u015ftirmek gerekir. Bunlar \u015fu \u015fekilde s\u0131ralanabilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Esnaf ve Sanatk\u00e2rlar Odas\u0131&#8217;na ve Esnaf ve Sanatk\u00e2rlar Sicil M\u00fcd\u00fcrl\u00fc\u011f\u00fc&#8217;ne kay\u0131tl\u0131 olmak:<\/strong> Esnaf ve Sanatk\u00e2rlar Odas\u0131, 81 ilde bulunan ve esnaf ve sanatk\u00e2rlar\u0131n geli\u015fip rekabetin sa\u011fl\u0131kl\u0131 bir \u015fekilde sa\u011flanmas\u0131n\u0131 garantileyen bir olu\u015fumdur. Bu odan\u0131n ama\u00e7lar\u0131ndan biri de esnaf ve sanatk\u00e2rlara hukuk\u00ee destek sa\u011flamakt\u0131r. Esnaf veya sanatk\u00e2r olanlar\u0131n bulunduklar\u0131 \u015fehirde esnaf ve sanatk\u00e2rlar odas\u0131na kaydolmas\u0131 zorunludur. Esnaf ve Sanatk\u00e2rlar Sicil M\u00fcd\u00fcrl\u00fc\u011f\u00fc ise esnaf ve sanatk\u00e2rlar\u0131 sicile kaydettirip kurulu\u015flar\u0131n\u0131n resm\u00ee bir dayana\u011fa sahip olmas\u0131n\u0131 sa\u011flar. Esnaf ve sanatk\u00e2rlar\u0131n kurulu\u015flar\u0131ndan sonraki bir ay i\u00e7inde bu kayd\u0131 yapmalar\u0131 gerekmektedir.<\/li>\n\n\n\n<li><strong>En az alt\u0131 ayl\u0131k faaliyet s\u00fcresini tamamlamak:<\/strong> Esnaf ve kefalet kredisi, yeni bir giri\u015fime ba\u015flamay\u0131 d\u00fc\u015f\u00fcnen adaylara de\u011fil en az alt\u0131 ayd\u0131r faaliyet g\u00f6steren esnaf ve sanatk\u00e2rlara sa\u011flanan bir olanakt\u0131r.<\/li>\n\n\n\n<li><strong>\u0130<\/strong><strong>\u015f veya ikametg\u00e2h\u0131n\u0131n bulundu\u011fu \u015fehirde faaliyet g\u00f6steren T\u00fcrkiye Esnaf ve Sanatk\u00e2rlar Kredi ve Kefalet Kooperatifleri&#8217;ne ortak olmak:<\/strong> TESKOMB, 1970 y\u0131l\u0131nda esnaflar\u0131n ve sanatk\u00e2rlar\u0131n durumunu iyile\u015ftirme amac\u0131yla kurulan bir t\u00fczel ki\u015filiktir. \u0130lk kuruldu\u011funda T\u00fcrk Ticaret Kanunu&#8217;na ba\u011fl\u0131 olan TESKOMB, t\u00fczel ki\u015filik kazanmas\u0131yla kendi kanununa sahip olmu\u015ftur. E\u011fitim, denetim ihtiya\u00e7lar\u0131n\u0131 gidermek ve kamu kaynaklar\u0131n\u0131n verimli ve etkili kullan\u0131m\u0131n\u0131 sa\u011flamak \u00fczere faaliyet g\u00f6stermektir. TESKOMB yo\u011funluklu olarak k\u00fc\u00e7\u00fck ve orta boy i\u015fletmelerin finansman\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in \u00e7al\u0131\u015fmalarda bulunur. TESKOMB orta\u011f\u0131 olmak i\u00e7in ki\u015filerde baz\u0131 \u015fartlar aran\u0131r:\n<ul class=\"wp-block-list\">\n<li>Esnaf veya sanatk\u00e2r olmak,<\/li>\n\n\n\n<li>Esnaf ve Sanatk\u00e2r Sicili&#8217;ne kaydolmak,<\/li>\n\n\n\n<li>\u0130\u015f veya \u0130kamet Yerinin B\u00f6lgede Olmas\u0131<\/li>\n\n\n\n<li>Ayn\u0131 zamanda ba\u015fka bir TESKOMB \u00fcyesi olmamak.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Medeni haklar\u0131 kullanmaya haiz ger\u00e7ek ki\u015fi olmak:<\/strong> Bu maddenin anlam\u0131 ay\u0131rt etme g\u00fcc\u00fcne sahip ergin bir birey olmakt\u0131r. Ayr\u0131ca t\u00fczel ki\u015filerin de esnaf kefalet kredisine ba\u015fvuramayaca\u011f\u0131 anla\u015f\u0131lmaktad\u0131r. Yani Anonim veya Limited \u015firketler esnaf kefalet kredisinden faydalanamaz.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Esnaf_Kefalet_Kredisi_Icin_Gerekli_Belgeler\"><\/span>Esnaf Kefalet Kredisi \u0130\u00e7in Gerekli Belgeler<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Esnaf kefalet kredisi, TESKOMB kefaleti kar\u015f\u0131l\u0131\u011f\u0131nda oldu\u011fu i\u00e7in baz\u0131 belgelerin kredi ba\u015fvurusunda bulunurken haz\u0131r olmas\u0131 gerekir ve baz\u0131 \u015fartlar\u0131n ger\u00e7ekle\u015fmi\u015f olmas\u0131 beklenir.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>T\u00fcrkiye Cumhuriyeti Kimlik Belgesi:<\/strong> Ba\u015fvuran esnaf\u0131n kimlik belgesinin haz\u0131rlanan evrak listesi i\u00e7inde olmas\u0131 gerekir.&nbsp;<\/li>\n\n\n\n<li><strong>Vergi Levhas\u0131 Fotokopisi:<\/strong> <a href=\"https:\/\/mukellef.co\/blog\/vergi-levhasi-nedir-nasil-alinir\/\">Vergi levhas\u0131<\/a>, Gelir \u0130daresi Ba\u015fkanl\u0131\u011f\u0131 taraf\u0131nca haz\u0131rlanan ve y\u0131l boyunca \u00f6denmesi gereken vergiyi g\u00f6steren bir belge t\u00fcr\u00fcd\u00fcr. (Burada vergi levhas\u0131ndan kas\u0131t i\u015fletmenin vergi levhas\u0131d\u0131r.)<\/li>\n\n\n\n<li><strong>Esnaf Oda Kay\u0131t Belgesi:<\/strong> 81 ilde bulunan esnaf odalar\u0131ndan i\u015fletmenin bulundu\u011fu il odas\u0131na kay\u0131t olundu\u011funu g\u00f6steren belgenin evraklar i\u00e7ine eklenmesi gerekir.&nbsp;<\/li>\n\n\n\n<li><strong>T\u00fcrkiye Esnaf ve Sanatk\u00e2rlar Kefalet ve Kredi Kooperatifi&#8217;ne \u00fcye olmak:<\/strong> TESKOMB, esnaflar i\u00e7in verilen bu \u00f6zel krediye kefil olmaktad\u0131r. Yani geciktirilen veya \u00f6denmeyen bir kredi taksidinde bankalar TESKOMB&#8217;a ba\u015fvurma yetkisine sahip olur.&nbsp;<\/li>\n\n\n\n<li><strong>D\u00f6rt adet vesikal\u0131k:<\/strong> Krediyi \u00e7ekmek isteyen i\u015fletme sahibinin son alt\u0131 ayda \u00e7ekilmi\u015f vesikal\u0131k foto\u011fraf\u0131 gerekir.<\/li>\n\n\n\n<li><strong>Medeni haklar\u0131 kullanmaya haiz olmak:<\/strong> On sekiz ya\u015f\u0131ndan b\u00fcy\u00fck olmak ve ay\u0131rt etme g\u00fcc\u00fcne sahip olmak gerekir.&nbsp;<\/li>\n\n\n\n<li><strong>En az alt\u0131 ayd\u0131r faal olmak:<\/strong> \u0130\u015fletmenin en az alt\u0131 ayd\u0131r ticari faaliyetini s\u00fcrd\u00fcr\u00fcyor olmas\u0131 gerekmektedir, bu kredi yeni a\u00e7\u0131lan bir i\u015fletmeye verilmez.&nbsp;<\/li>\n\n\n\n<li><strong>Gelir Beyannamesi:<\/strong> Krediye ba\u015fvuran herkes i\u00e7in aranan bu belgede i\u015fletmenin ayl\u0131k gelirinin do\u011fru belirtilmesi gerekir, bu belge kredinin miktar\u0131n\u0131n belirlenmesinde \u00f6nem arz eder.&nbsp;<\/li>\n\n\n\n<li><strong>\u0130kametg\u00e2h:<\/strong> \u0130\u015fletmenin ve i\u015fletme sahibinin adresinin yaz\u0131l\u0131 oldu\u011fu bir belge de talep edilen evrak listesi i\u00e7indedir.<\/li>\n<\/ul>\n\n\n\n<p>Bu \u015fartlara ek olarak TESKOMB&#8217;a kay\u0131t olurken istenen belgelerin de e\u011fer hen\u00fcz kooperatife \u00fcye olunmad\u0131ysa bulundurulmas\u0131 gerekir. Ayr\u0131ca bankan\u0131n gerekli g\u00f6rmesi h\u00e2linde ek belge de istenebilmektedir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Esnaf_Kefalet_Kredisi_Ne_Kadar\"><\/span>Esnaf Kefalet Kredisi Ne Kadar?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Esnaf kefalet kredisinin miktar\u0131 her y\u0131l g\u00fcncellenmektedir. Bu nedenle bu krediye ba\u015fvurmay\u0131 d\u00fc\u015f\u00fcnen esnaf ve sanatk\u00e2rlar\u0131n Ticaret Bakanl\u0131\u011f\u0131n\u0131n sitesinde yay\u0131mlanan g\u00fcncellemeleri takip etmesi gerekir.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0130\u015fletme (\u015eah\u0131s) Kredisi \u00dcst Limiti<\/strong>: 2026 y\u0131l\u0131 i\u00e7in belirlenen genel \u015fah\u0131s \u00fcst limiti <strong>1.000.000 TL<\/strong>\u2019dir. Ancak bu tutar, kooperatiflerin performans puanlar\u0131na (risk gruplar\u0131na) g\u00f6re \u015fu \u015fekilde kademelendirilmektedir:\n<ul class=\"wp-block-list\">\n<li><strong>1. ve 2. Grup (D\u00fc\u015f\u00fck Riskli):<\/strong> 1.000.000 TL<\/li>\n\n\n\n<li><strong>3. ve 4. Grup:<\/strong> 850.000 TL<\/li>\n\n\n\n<li><strong>5. Grup:<\/strong> 650.000 TL<\/li>\n\n\n\n<li><strong>6. Grup (Y\u00fcksek Riskli):<\/strong> 500.000 TL<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>2. Yat\u0131r\u0131m Kredileri (Ta\u015f\u0131t ve \u0130\u015f Yeri Edindirme)<\/strong>: \u0130\u015fletmesini b\u00fcy\u00fctmek, yeni bir i\u015f yeri sat\u0131n almak veya ticari ara\u00e7 (s\u0131f\u0131r kilometre) edinmek isteyen esnaf ve sanatk\u00e2rlar i\u00e7in limitler \u00e7ok daha y\u00fcksektir:\n<ul class=\"wp-block-list\">\n<li><strong>\u00dcst Limit:<\/strong> <strong>2.000.000 TL<\/strong><\/li>\n\n\n\n<li><strong>Kapsam:<\/strong> Bu kredi sadece i\u015f yeri al\u0131m\u0131 veya ticari ta\u015f\u0131t al\u0131m\u0131 (kamyon, otob\u00fcs, minib\u00fcs, kamyonet vb.) i\u00e7in kulland\u0131r\u0131l\u0131r.<\/li>\n\n\n\n<li><strong>\u015eart:<\/strong> Di\u011fer kredilerde oldu\u011fu gibi, i\u015fletmenin en az <strong>6 ayd\u0131r<\/strong> faal olmas\u0131 zorunludur. Yeni kurulan i\u015fletmeler bu limitlerden yararlanamaz.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"585\" src=\"https:\/\/mukellef.co\/blog\/wp-content\/uploads\/2024\/11\/esnaf-kefalet-kredisi-ne-kadar-1024x585.jpeg\" alt=\"esnaf kefalet kredisi ne kadar\" class=\"wp-image-8890\" title=\"\" srcset=\"https:\/\/mukellef.co\/blog\/wp-content\/uploads\/2024\/11\/esnaf-kefalet-kredisi-ne-kadar-1024x585.jpeg 1024w, https:\/\/mukellef.co\/blog\/wp-content\/uploads\/2024\/11\/esnaf-kefalet-kredisi-ne-kadar-300x171.jpeg 300w, https:\/\/mukellef.co\/blog\/wp-content\/uploads\/2024\/11\/esnaf-kefalet-kredisi-ne-kadar-768x439.jpeg 768w, https:\/\/mukellef.co\/blog\/wp-content\/uploads\/2024\/11\/esnaf-kefalet-kredisi-ne-kadar.jpeg 1344w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Esnaf_Kredisi_Faiz_Oranlari_2026\"><\/span>Esnaf Kredisi Faiz Oranlar\u0131 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Esnaf kredilerinin faiz oranlar\u0131n\u0131n yar\u0131s\u0131 gelir kayb\u0131 uygulamas\u0131 kapsam\u0131nda Hazine ve Maliye Bakanl\u0131\u011f\u0131 taraf\u0131ndan kar\u015f\u0131lanmaktad\u0131r. Ayr\u0131ca baz\u0131 durumlarda faiz indirimi oran\u0131 %100&#8217;e kadar \u00e7\u0131kabilmektedir. Faiz oranlar\u0131 ise kredinin geri \u00f6deme s\u00fcresine g\u00f6re de\u011fi\u015fiklik g\u00f6sterebilmektedir.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Esnaf ve Sanatk\u00e2rlar Kredi T\u00fcrleri <\/strong>&nbsp;<\/td><td><strong>Faiz \u0130ndirim Oran\u0131 <\/strong>&nbsp;&nbsp;&nbsp;<\/td><\/tr><tr><td>\u0130\u015fletme Kredisi&nbsp;<\/td><td>%50&nbsp;&nbsp;&nbsp;<\/td><\/tr><tr><td>Usta Giri\u015fimci Kredisi&nbsp;<\/td><td>%100&nbsp;&nbsp;&nbsp;<\/td><\/tr><tr><td>Yat\u0131r\u0131m Destek Kredisi&nbsp;<\/td><td>%50&nbsp;&nbsp;&nbsp;<\/td><\/tr><tr><td>Gen\u00e7 Giri\u015fimci Kredisi&nbsp;<\/td><td>%100&nbsp;&nbsp;&nbsp;<\/td><\/tr><tr><td>Kaybolmaya Y\u00fcz Tutan Meslekler Kredisi&nbsp;<\/td><td>%100&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0130\u015fletme Kredisi: <\/strong>Esnaf\u0131n hammadde ve i\u015fletme sermayesi ihtiyac\u0131 i\u00e7indir. 2026 \u00fcst limiti 1.000.000 TL&#8217;dir.<\/li>\n\n\n\n<li><strong>Usta Giri\u015fimci Kredisi:<\/strong> En az 1 y\u0131ll\u0131k ustal\u0131k belgesi olan ve kendi i\u015fini kuran giri\u015fimciler i\u00e7in limit 500.000 TL&#8217;dir (Faizsiz).<\/li>\n\n\n\n<li><strong>Yat\u0131r\u0131m Destek Kredisi: <\/strong>Yeni i\u015f yeri veya s\u0131f\u0131r ticari ara\u00e7 al\u0131m\u0131 i\u00e7indir. 2026 \u00fcst limiti 2.000.000 TL olup, vade s\u00fcresi 60 ayd\u0131r (5 y\u0131l).<\/li>\n\n\n\n<li><strong>Gen\u00e7 Giri\u015fimci Kredisi:<\/strong> 2026 y\u0131l\u0131nda ya\u015f s\u0131n\u0131r\u0131 35&#8217;ten 40&#8217;a y\u00fckseltilmi\u015ftir. 40 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f, KOSGEB uygulamal\u0131 giri\u015fimcilik e\u011fitimini tamamlayan gen\u00e7ler i\u00e7in limit 500.000 TL&#8217;ye \u00e7\u0131kar\u0131lm\u0131\u015f ve faizsiz (%100 indirimli) olarak sunulmaktad\u0131r.<\/li>\n\n\n\n<li><strong>Kaybolmaya Y\u00fcz Tutan Meslekler Kredisi: <\/strong>Gelir Vergisi Kanunu&#8217;nda belirtilen kaybolmaya y\u00fcz tutmu\u015f geleneksel veya sanatsal mesleklerden birine (el dokuma i\u015fleri, yemenicilik, bak\u0131r i\u015fletmecili\u011fi, \u00e7ini ve \u00e7\u00f6mlek yap\u0131m\u0131, sedef kakma ve ah\u015fap oyma i\u015fleri, ka\u015f\u0131k\u00e7\u0131l\u0131k, bastonculuk, semercilik, yazmac\u0131l\u0131k, yorganc\u0131l\u0131k, ke\u00e7ecilik, l\u00fcle ve oltu ta\u015f\u0131 i\u015f\u00e7ili\u011fi, \u00e7ar\u0131k\u00e7\u0131l\u0131k, oyac\u0131l\u0131k ve bakanl\u0131k\u00e7a belirlenen di\u011fer meslekler) sahip olan i\u015fletmeciler Esnaf Vergi Muafiyet Belgesi&#8217;ne sahipse %100 faiz indiriminden faydalanabilir.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Esnaf_Kefalet_Kredisi_Nasil_Alinir\"><\/span>Esnaf Kefalet Kredisi Nas\u0131l Al\u0131n\u0131r?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Esnaf kefalet kredisinin avantajlar\u0131ndan faydalanmak i\u00e7in baz\u0131 ad\u0131mlar\u0131 tamamlamak gerekir. Bu ad\u0131mlar \u015fu \u015fekilde s\u0131ralanabilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>T\u00fcrkiye Esnaflar ve Sanatk\u00e2rlar Kefalet ve Kredi Kooperatifi&#8217;ne \u00fcye olmak:<\/strong> Yukar\u0131da belirtilen \u015fartlar\u0131 sa\u011flayan i\u015fletme sahipleri, yaz\u0131l\u0131 bir \u015fekilde i\u015fletmelerine en yak\u0131nda bulunan kooperatife ba\u015fvuruda bulunur. M\u00fcracaat sahibinin durumu TESKOMB y\u00f6netim kurulu taraf\u0131ndan incelenir. Ba\u015fvuruda bulunurken dikkat edilmesi gereken hususlardan biri de i\u015f veya ikamet yerinin kooperatifin g\u00f6rev b\u00f6lgesi i\u00e7inde bulunmas\u0131d\u0131r. TESKOMB&#8217;a yap\u0131lan ba\u015fvuru sonucunda 15 g\u00fcn i\u00e7inde kabul veya red karar\u0131 ilgiliye yaz\u0131l\u0131 olarak bildirilir. Esnaf kefalet kredisinden yararlanmak i\u00e7in kabul karar\u0131 al\u0131nmas\u0131 gerekmektedir.&nbsp;<\/li>\n\n\n\n<li><strong>Kredi ba\u015fvurusunda bulunulmas\u0131:<\/strong> Kooperatife yap\u0131lacak olan bir ba\u015fvuruyla i\u015flemler ba\u015flat\u0131l\u0131r. Gereken belgelerin tam ve do\u011fru \u015fekilde kooperatife sunulmas\u0131 gerekir. Kooperatif orta\u011f\u0131n ekonomik ve mali durumunu ara\u015ft\u0131r\u0131r, istihbarat raporu d\u00fczenler ve bu raporla birlikte kefalet miktar\u0131n\u0131 tespit eder. Yani her i\u015fletmenin g\u00fcc\u00fcne ve ihtiyac\u0131na g\u00f6re kefil olunacak miktar ve dolay\u0131s\u0131yla kredi miktar\u0131 de\u011fi\u015fmektedir.&nbsp;<\/li>\n\n\n\n<li><strong>Kredi talebinin T\u00fcrkiye Halk Bankas\u0131&#8217;na iletilmesi<\/strong>: Kooperatif, kredi ba\u015fvurusunu uygun buldu\u011fu h\u00e2llerde bu teklifi Halkbank&#8217;a iletir.&nbsp;<\/li>\n\n\n\n<li><strong>Bankan\u0131n incelemesinden olumlu sonu\u00e7 almak:<\/strong> T\u00fcrk Halk Bankas\u0131 da kooperatifin yapt\u0131\u011f\u0131 gibi kredi isteyen aday\u0131n uygun olup olmad\u0131\u011f\u0131n\u0131 kontrol eder ve istihbarat raporu d\u00fczenler. \u0130stihbarat raporundan olumlu sonu\u00e7 \u00e7\u0131kmas\u0131 h\u00e2linde ba\u015fvuruda bulunan i\u015fletmeci kredilendirilmeye hak kazan\u0131r.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Esnaf_Kefalet_Kredisi_Hesaplama_Nasil_Yapilir\"><\/span>Esnaf Kefalet Kredisi Hesaplama Nas\u0131l Yap\u0131l\u0131r?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Esnaf kefalet kredisinin azami miktar\u0131n\u0131n \u00e7e\u015fitli de\u011fi\u015fkenlere ba\u011fl\u0131 oldu\u011fundan bahsetmi\u015ftik. Kredinin hesaplamas\u0131nda ise \u00e7e\u015fitli fakt\u00f6rler g\u00f6z \u00f6n\u00fcnde bulundurulur:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kredi Tutar\u0131: <\/strong>Kullan\u0131lacak kredi tutar\u0131 i\u015fletme kredilerinde \u015fah\u0131s \u00fcst limiti 2026 y\u0131l\u0131 itibar\u0131yla <strong>1.000.000 TL<\/strong>\u2019dir. Yat\u0131r\u0131m (ara\u00e7\/i\u015f yeri) kredilerinde ise bu limit <strong>2.000.000 TL<\/strong> olarak uygulan\u0131r.<\/li>\n\n\n\n<li><strong>Faiz Oranlar\u0131: <\/strong>Devlet taraf\u0131ndan yar\u0131s\u0131 kar\u015f\u0131lanan i\u015fletme kredilerinde faiz oranlar\u0131 2026 itibar\u0131yla %17 ile %29 aras\u0131nda de\u011fi\u015fiklik g\u00f6stermektedir. Vade s\u00fcresinin faiz oranlar\u0131 \u00fczerinde etkisi vard\u0131r. 2026 ba\u015f\u0131nda g\u00fcncellenen hazine destekli net faiz oran\u0131 y\u0131ll\u0131k <strong>%20<\/strong> (ayl\u0131k yakla\u015f\u0131k <strong>%1,66<\/strong>) seviyesindedir.<\/li>\n\n\n\n<li><strong>Vade S\u00fcresi: <\/strong>\u0130\u015fletme kredilerinde azami vade 48 aya (4 y\u0131l), yat\u0131r\u0131m kredilerinde ise 60 aya (5 y\u0131l) \u00e7\u0131kar\u0131lm\u0131\u015ft\u0131r. \u00d6demeler ayl\u0131k, 3 ayl\u0131k veya 6 ayl\u0131k d\u00f6nemlerle planlanabilir.<\/li>\n<\/ul>\n\n\n\n<p>Bu fakt\u00f6rler belirlendikten sonra kredi hesaplamas\u0131 yapmak i\u00e7in \u00e7e\u015fitli uygulamalar kullan\u0131larak vade sonunda toplam \u00f6denecek miktar hesaplanabilir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Esnaf_Kefalet_Kredisi_Odeme_Plani_Ornegi\"><\/span>Esnaf Kefalet Kredisi \u00d6deme Plan\u0131 \u00d6rne\u011fi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Esnaf kefalet kredilerinin \u00f6deme planlar\u0131 kredi tutar\u0131na, faiz oran\u0131na ve vade s\u00fcresine ba\u011fl\u0131 olarak de\u011fi\u015fiklik g\u00f6sterebilir. 12 ay vadeli \u20ba400.000&#8217;lik bir esnaf kefalet kredisinin faizinin %20 oldu\u011funu varsayarak \u015fu \u015fekilde bir \u00f6deme plan\u0131 \u00e7\u0131kar\u0131labilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ayl\u0131k \u00f6denen taksit miktar\u0131 yakla\u015f\u0131k \u20ba37.045,50 olarak hesaplanabilir.\u00a0<\/li>\n\n\n\n<li>Her ay \u00f6denen anapara miktar\u0131 giderek artar. Ayn\u0131 zamanda \u00f6denen anapara faizi miktar\u0131 aydan aya d\u00fc\u015fer.\u00a0<\/li>\n\n\n\n<li>\u00d6rne\u011fin ilk ay \u00f6denen faiz miktar\u0131 \u20ba6.666,67, anapara miktar\u0131 ise \u20ba30.378,83 iken son ay \u00f6denen faiz miktar\u0131 \u20ba612,42, anapara miktar\u0131 ise \u20ba35.972,29 olarak hesaplan\u0131r. B\u00f6ylece \u00f6denen anapara ve faiz miktar\u0131 her ay i\u00e7in \u20ba36.433,08&#8217;ye denk gelecek \u015fekilde bir \u00f6deme plan\u0131 haz\u0131rlanm\u0131\u015f olur.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mukellef_ile_Yararlanabileceginiz_Tesvik_ve_Destekleri_Kesfedin\"><\/span>M\u00fckellef ile Yararlanabilece\u011finiz Te\u015fvik ve Destekleri Ke\u015ffedin!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/mukellef.co\/\" target=\"_blank\" rel=\"noreferrer noopener\">M\u00fckellef<\/a> olarak giri\u015fimciler i\u00e7in sa\u011flad\u0131\u011f\u0131m\u0131z hizmetlerle ticari faaliyetlerinizi geli\u015ftirebilir, \u015firketinizi b\u00fcy\u00fct\u00fcp kazanc\u0131n\u0131z\u0131 art\u0131rabilirsiniz. M\u00fckellef ekibiyle te\u015fvik sorgulama yapabilir, i\u015fletmeniz i\u00e7in d\u00fc\u015f\u00fck faiz ve uzun vadeli geri \u00f6demelerden faydalanabilirsiniz. \u015eimdi siz de kaydolun ve mutlu M\u00fckellef m\u00fc\u015fterilerinin aras\u0131nda yerinizi al\u0131n!<\/p>\n\n\n\n\t\t<!--HubSpot Call-to-Action Code -->\n\t\t<span class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-3c928836-d491-492a-aa51-970897a4e1d0\">\n\t\t<span class=\"hs-cta-node hs-cta-3c928836-d491-492a-aa51-970897a4e1d0\" id=\"3c928836-d491-492a-aa51-970897a4e1d0\">\n\t\t<!--[if lte IE 8]>\n\t\t<div id=\"hs-cta-ie-element\"><\/div>\n\t\t<![endif]-->\n\t\t<a href=\"https:\/\/cta-redirect.hubspot.com\/cta\/redirect\/5318651\/3c928836-d491-492a-aa51-970897a4e1d0\" target=\"_blank\" rel=\"noopener\">\n\t\t<img decoding=\"async\" class=\"hs-cta-img\" id=\"hs-cta-img-3c928836-d491-492a-aa51-970897a4e1d0\" style=\"border-width:0px;\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/5318651\/3c928836-d491-492a-aa51-970897a4e1d0.png\" alt=\"New call-to-action\" title=\"\">\n\t\t<\/a>\n\t\t<\/span>\n\t\t<script charset=\"utf-8\" src=\"\/\/js.hubspot.com\/cta\/current.js\"><\/script>\n\t\t<script>\n\t\thbspt.cta.load(5318651, '3c928836-d491-492a-aa51-970897a4e1d0', {});\n\t\t<\/script>\n\t\t<\/span>\n\t\t<!-- end HubSpot Call-to-Action Code -->\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sikca_Sorulan_Sorular\"><\/span>S\u0131k\u00e7a Sorulan Sorular<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Esnaf kefalet kredi hakk\u0131nda s\u0131k\u00e7a sorulan sorular\u0131 sizin i\u00e7in derledik.<\/p>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1732534012629\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Esnaf_Kefalet_Kredisi_Banka_Onayi_Kac_Gunde_Gelir\"><\/span>Esnaf Kefalet Kredisi Banka Onay\u0131 Ka\u00e7 G\u00fcnde Gelir?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Esnaf kefalet kredisi i\u00e7in \u00f6nce kooperatifin sonra bankan\u0131n onay vermesi gerekmektedir. Kooperatifin \u00f6n istihbarat s\u00fcreci 4-10 i\u015f g\u00fcn\u00fc s\u00fcresince sonu\u00e7lan\u0131rken bankalar\u0131n kredi t\u00fcr\u00fcne g\u00f6re onay verilme s\u00fcresi de\u011fi\u015fiklik g\u00f6stermektedir. Genel olarak kredi ba\u015fvurular\u0131nda \u00fc\u00e7 ile be\u015f i\u015f g\u00fcn\u00fc i\u00e7inde onay veya red gelmektedir.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1732534021434\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Esnaf_Kefalet_Kredisi_Kac_Gunde_Cikar\"><\/span>Esnaf Kefalet Kredisi Ka\u00e7 G\u00fcnde \u00c7\u0131kar?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Gereken onaylar\u0131 ald\u0131ktan sonra esnaf kefalet kredisi \u00e7o\u011funlukla bir hafta i\u00e7inde \u00e7\u0131kmaktad\u0131r. Fakat bu s\u00fcre uzay\u0131p k\u0131salabilir.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1732534031485\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Esnaf_Kefalet_Kredisi_Erken_Odeme_Indirimi_Var_mi\"><\/span>Esnaf Kefalet Kredisi Erken \u00d6deme \u0130ndirimi Var m\u0131?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Esnaf kefalet kredilerinde erken \u00f6demeyle faiz oran\u0131nda bir miktar indirimle daha az \u00f6deme yap\u0131labilir. Sonradan \u00f6denmesi hesaplanan ayl\u0131k faiz, erken \u00f6deme indirimi sayesinde avantaj sa\u011flar.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1732534041220\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Esnaf_Kefalet_Kredisi_Kullaniminda_Yapilan_Kesintiler_Nelerdir\"><\/span>Esnaf Kefalet Kredisi Kullan\u0131m\u0131nda Yap\u0131lan Kesintiler Nelerdir?\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Esnaf ve sanatk\u00e2rlar, kulland\u0131klar\u0131 kooperatif kefaretli kredilerde bloke sermaye kesintisi (sonradan i\u015fletmeciye iade edilmektedir), y\u0131ll\u0131k masraf kar\u015f\u0131l\u0131\u011f\u0131 kesintisi, risk fonu kesintisi, \u00fcst kurulu\u015f kat\u0131l\u0131m pay\u0131 kesintisi ile kar\u015f\u0131la\u015fabilir:\u00a0<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Ticarete at\u0131lmak isteyen veya i\u015fletmesini geli\u015ftirip ayakta tutmak isteyen giri\u015fimciler i\u00e7in sa\u011flanan \u00e7e\u015fitli olanaklar vard\u0131r. Bu olanaklar sayesinde giri\u015fimciler hem maddi hem manevi a\u00e7\u0131dan daha az sorunla kar\u015f\u0131la\u015farak ticari faaliyetlerini ger\u00e7ekle\u015ftirebilir, i\u015fletmelerini b\u00fcy\u00fct\u00fcrken daha geni\u015f bir faaliyet alan\u0131na sahip olabilir. Bu olanaklardan biri de h\u00e2lihaz\u0131rda i\u015fletmesi bulunan ve kredi ihtiyac\u0131 duyan i\u015fletme sahipleri i\u00e7in sa\u011flanan &#8230;<\/p>\n","protected":false},"author":29,"featured_media":8889,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[460],"tags":[],"class_list":["post-8842","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-girisim"],"_links":{"self":[{"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/posts\/8842","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/comments?post=8842"}],"version-history":[{"count":4,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/posts\/8842\/revisions"}],"predecessor-version":[{"id":11790,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/posts\/8842\/revisions\/11790"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/media\/8889"}],"wp:attachment":[{"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/media?parent=8842"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/categories?post=8842"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/tags?post=8842"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}