{"id":393,"date":"2023-04-04T08:50:40","date_gmt":"2023-04-04T08:50:40","guid":{"rendered":"https:\/\/demosites.royal-elementor-addons.com\/nature-v1\/?p=393"},"modified":"2023-04-13T10:41:26","modified_gmt":"2023-04-13T10:41:26","slug":"kidem-tazminatina-kgf-kredisi","status":"publish","type":"post","link":"https:\/\/resulkurt.com.tr\/index.php\/2023\/04\/04\/kidem-tazminatina-kgf-kredisi\/","title":{"rendered":"K\u0131dem Tazminat\u0131na KGF Kredisi"},"content":{"rendered":"\t\t
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K\u0131dem Tazminat\u0131na KGF Kredisi<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Yakla\u015f\u0131k 3 ay\u0131 a\u015fk\u0131n bir s\u00fcredir g\u00fcndemde olan EYT d\u00fczenlemesi 7438 say\u0131l\u0131 Kanun yasala\u015fmas\u0131yla birlikte yeni bir d\u00f6neme evrildi.<\/p>

Hali haz\u0131rda 1,5 milyonu a\u015fk\u0131n sigortal\u0131 EYT’den emeklilik ba\u015fvurusu yapt\u0131, emekli ayl\u0131klar\u0131 ise ba\u011flanmaya devam ediliyor. 2023 sonuna kadar 2.250.000 ki\u015finin EYT’den yararlanmas\u0131 bekleniyor.<\/p>

Tabi, \u00e7al\u0131\u015f\u0131rken EYT kapsam\u0131nda emeklilik dilek\u00e7esi veren ve emekli olan \u00e7al\u0131\u015fanlarla ilgili \u00f6denmesi gereken k\u0131dem tazminat\u0131 konusunda da kredi imk\u00e2n\u0131 sa\u011flanaca\u011f\u0131 a\u00e7\u0131klanm\u0131\u015ft\u0131.<\/p>

Buna ili\u015fkin ko\u015fullarda netle\u015fmeye ba\u015flad\u0131.<\/p>

03.03.2023 tarihli ve 7438 say\u0131l\u0131 Kanun \u00e7er\u00e7evesinde \u00e7al\u0131\u015fanlar\u0131na emeklilik nedeni ile k\u0131dem tazminat\u0131 \u00f6deyecek KOB\u0130 ve KOB\u0130 D\u0131\u015f\u0131 i\u015fletmelerin k\u0131dem tazminat\u0131ndan kaynaklanan finansman ihtiyac\u0131n\u0131n sa\u011flanmas\u0131 ama\u00e7lan\u0131yor.<\/p>

Toplam 50 milyar lira olarak planlanan k\u0131dem tazminat\u0131 kredisinin yaln\u0131zca EYT kapsam\u0131nda emekli olacak personelin k\u0131dem tazminat\u0131 i\u00e7in kulland\u0131r\u0131laca\u011f\u0131 a\u00e7\u0131kland\u0131.<\/p>

KGF taraf\u0131ndan a\u00e7\u0131klanan duyuruya g\u00f6re EYT DESTEK PAKET\u0130 ile ilgili Finans Kurulu\u015flar\u0131 Denizbank, Garanti, Halkbank, T\u00fcrkiye \u0130\u015f Bankas\u0131, Vak\u0131fbank, Vak\u0131f Kat\u0131l\u0131m Bankas\u0131, Ziraat Bankas\u0131, Ziraat Kat\u0131l\u0131m Bankas\u0131 olarak duyuruldu.<\/p>

KGF’den sa\u011flanacak kredinin vadesi, \u00f6demesiz olarak 6 ayl\u0131k d\u00f6nem ve bu d\u00f6nem d\u00e2hil en fazla 36 ay olarak ilan edildi.<\/p>

Yaralanacak \u015firketlerin kefalet limitleri ve oranlar\u0131 KOB\u0130’ler i\u00e7in 10 Milyon TL ve %75 iken; KOB\u0130 D\u0131\u015f\u0131 i\u015fletmelerin 20 Milyon TL ve %70’dir. Kefaletle birlikte KOB\u0130’ler i\u00e7in 13.3 milyon lira, KOB\u0130 d\u0131\u015f\u0131 firmalar i\u00e7in 28.5 milyon liraya kadar kredi imk\u00e2n\u0131 sa\u011flanacak.<\/p>

KGF kapsam\u0131nda kullan\u0131labilecek krediler \u015fu \u015fekildedir:<\/p>

1. \u0130\u015fletme Kredisi\/Muraba<\/p>

\u00b7 Nakdi Krediler<\/p>

\u00b7 Taksitli Krediler<\/p>

\u00b7 Kat\u0131l\u0131m Bankac\u0131l\u0131\u011f\u0131na uygun di\u011fer y\u00f6ntemler.<\/p>

Kurum, verdi\u011fi kefaletler kar\u015f\u0131l\u0131\u011f\u0131nda yararlan\u0131c\u0131lardan her bir kefalet kulland\u0131r\u0131m\u0131 i\u00e7in bir defaya mahsus ve pe\u015fin olarak kefalet tutar\u0131n\u0131n %0,5’i oran\u0131nda Kredi Verenler arac\u0131l\u0131\u011f\u0131yla komisyon tahsil eder.<\/p>

Yap\u0131land\u0131rma durumunda yararlan\u0131c\u0131lardan, kefalet bakiyesi \u00fczerinden %0,5 oran\u0131nda Kredi Verenler arac\u0131l\u0131\u011f\u0131yla pe\u015fin olarak komisyon tahsil edilir.<\/p>

Kredi Veren verdi\u011fi kredi kar\u015f\u0131l\u0131\u011f\u0131nda yararlan\u0131c\u0131lardan her bir kredi kulland\u0131r\u0131m\u0131 i\u00e7in bir defaya mahsus ve pe\u015fin olarak yaln\u0131zca kredi tutar\u0131n\u0131n azami %1’i oran\u0131nda komisyon tahsil edebilecek. Kredinin vadesinin 1 y\u0131ldan az olmas\u0131 halinde, azami oran \u00fc\u00e7 ayl\u0131k vadelere g\u00f6re oranlanarak uygulan\u0131r.<\/p>

Bu uygulama kapsam\u0131nda \u00f6zel \u015fartlar getirilmi\u015ftir. \u00d6ncelikle paket kapsam\u0131nda kulland\u0131r\u0131lacak olan kredi yaln\u0131zca 7438 say\u0131l\u0131 Kanun kapsam\u0131nda emekli olacak personelin k\u0131dem tazminat\u0131 i\u00e7in kulland\u0131r\u0131lacakt\u0131r. Bunun d\u0131\u015f\u0131nda herhangi bir nakit\/nakit d\u0131\u015f\u0131 ama\u00e7 i\u00e7in kullan\u0131lamaz.<\/p>

Di\u011fer ifadeyle EYT yasas\u0131 kapsam\u0131nda emekli olanlar \u00f6denecek k\u0131dem tazminat\u0131 d\u0131\u015f\u0131nda, farkl\u0131 bir ama\u00e7 ile kredi kullan\u0131lamayacakt\u0131r.<\/p>

Son olarak, k\u0131dem tazminat\u0131 \u00f6demeleri kredi veren taraf\u0131ndan do\u011frudan EYT yasas\u0131 kapsam\u0131nda emekli olacak \u00e7al\u0131\u015fanlar\u0131n hesab\u0131na yat\u0131r\u0131lacakt\u0131r.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

K\u0131dem Tazminat\u0131na KGF Kredisi Yakla\u015f\u0131k 3 ay\u0131 a\u015fk\u0131n bir s\u00fcredir g\u00fcndemde olan EYT d\u00fczenlemesi 7438 say\u0131l\u0131 Kanun yasala\u015fmas\u0131yla birlikte yeni bir d\u00f6neme evrildi. Hali haz\u0131rda 1,5 milyonu a\u015fk\u0131n sigortal\u0131 EYT’den emeklilik ba\u015fvurusu yapt\u0131, emekli ayl\u0131klar\u0131 ise ba\u011flanmaya devam ediliyor. 2023 sonuna kadar 2.250.000 ki\u015finin EYT’den yararlanmas\u0131 bekleniyor. Tabi, \u00e7al\u0131\u015f\u0131rken EYT kapsam\u0131nda emeklilik dilek\u00e7esi veren ve emekli olan \u00e7al\u0131\u015fanlarla ilgili \u00f6denmesi gereken k\u0131dem tazminat\u0131 konusunda da kredi imk\u00e2n\u0131 sa\u011flanaca\u011f\u0131 a\u00e7\u0131klanm\u0131\u015ft\u0131. Buna ili\u015fkin ko\u015fullarda netle\u015fmeye ba\u015flad\u0131. 03.03.2023 tarihli ve 7438 say\u0131l\u0131 Kanun \u00e7er\u00e7evesinde \u00e7al\u0131\u015fanlar\u0131na emeklilik nedeni ile k\u0131dem tazminat\u0131 \u00f6deyecek KOB\u0130 ve KOB\u0130 D\u0131\u015f\u0131 i\u015fletmelerin k\u0131dem tazminat\u0131ndan kaynaklanan finansman ihtiyac\u0131n\u0131n sa\u011flanmas\u0131 ama\u00e7lan\u0131yor. Toplam 50 milyar lira olarak planlanan k\u0131dem tazminat\u0131 kredisinin yaln\u0131zca EYT kapsam\u0131nda emekli olacak personelin k\u0131dem tazminat\u0131 i\u00e7in kulland\u0131r\u0131laca\u011f\u0131 a\u00e7\u0131kland\u0131. KGF taraf\u0131ndan a\u00e7\u0131klanan duyuruya g\u00f6re EYT DESTEK PAKET\u0130 ile ilgili Finans Kurulu\u015flar\u0131 Denizbank, Garanti, Halkbank, T\u00fcrkiye \u0130\u015f Bankas\u0131, Vak\u0131fbank, Vak\u0131f Kat\u0131l\u0131m Bankas\u0131, Ziraat Bankas\u0131, Ziraat Kat\u0131l\u0131m Bankas\u0131 olarak duyuruldu. KGF’den sa\u011flanacak kredinin vadesi, \u00f6demesiz olarak 6 ayl\u0131k d\u00f6nem ve bu d\u00f6nem d\u00e2hil en fazla 36 ay olarak ilan edildi. Yaralanacak \u015firketlerin kefalet limitleri ve oranlar\u0131 KOB\u0130’ler i\u00e7in 10 Milyon TL ve %75 iken; KOB\u0130 D\u0131\u015f\u0131 i\u015fletmelerin 20 Milyon TL ve %70’dir. Kefaletle birlikte KOB\u0130’ler i\u00e7in 13.3 milyon lira, KOB\u0130 d\u0131\u015f\u0131 firmalar i\u00e7in 28.5 milyon liraya kadar kredi imk\u00e2n\u0131 sa\u011flanacak. KGF kapsam\u0131nda kullan\u0131labilecek krediler \u015fu \u015fekildedir: 1. \u0130\u015fletme Kredisi\/Muraba \u00b7 Nakdi Krediler \u00b7 Taksitli Krediler \u00b7 Kat\u0131l\u0131m Bankac\u0131l\u0131\u011f\u0131na uygun di\u011fer y\u00f6ntemler. Kurum, verdi\u011fi kefaletler kar\u015f\u0131l\u0131\u011f\u0131nda yararlan\u0131c\u0131lardan her bir kefalet kulland\u0131r\u0131m\u0131 i\u00e7in bir defaya mahsus ve pe\u015fin olarak kefalet tutar\u0131n\u0131n %0,5’i oran\u0131nda Kredi Verenler arac\u0131l\u0131\u011f\u0131yla komisyon tahsil eder. Yap\u0131land\u0131rma durumunda yararlan\u0131c\u0131lardan, kefalet bakiyesi \u00fczerinden %0,5 oran\u0131nda Kredi Verenler arac\u0131l\u0131\u011f\u0131yla pe\u015fin olarak komisyon tahsil edilir. Kredi Veren verdi\u011fi kredi kar\u015f\u0131l\u0131\u011f\u0131nda yararlan\u0131c\u0131lardan her bir kredi kulland\u0131r\u0131m\u0131 i\u00e7in bir defaya mahsus ve pe\u015fin olarak yaln\u0131zca kredi tutar\u0131n\u0131n azami %1’i oran\u0131nda komisyon tahsil edebilecek. Kredinin vadesinin 1 y\u0131ldan az olmas\u0131 halinde, azami oran \u00fc\u00e7 ayl\u0131k vadelere g\u00f6re oranlanarak uygulan\u0131r. Bu uygulama kapsam\u0131nda \u00f6zel \u015fartlar getirilmi\u015ftir. \u00d6ncelikle paket kapsam\u0131nda kulland\u0131r\u0131lacak olan kredi yaln\u0131zca 7438 say\u0131l\u0131 Kanun kapsam\u0131nda emekli olacak personelin k\u0131dem tazminat\u0131 i\u00e7in kulland\u0131r\u0131lacakt\u0131r. Bunun d\u0131\u015f\u0131nda herhangi bir nakit\/nakit d\u0131\u015f\u0131 ama\u00e7 i\u00e7in kullan\u0131lamaz. Di\u011fer ifadeyle EYT yasas\u0131 kapsam\u0131nda emekli olanlar \u00f6denecek k\u0131dem tazminat\u0131 d\u0131\u015f\u0131nda, farkl\u0131 bir ama\u00e7 ile kredi kullan\u0131lamayacakt\u0131r. Son olarak, k\u0131dem tazminat\u0131 \u00f6demeleri kredi veren taraf\u0131ndan do\u011frudan EYT yasas\u0131 kapsam\u0131nda emekli olacak \u00e7al\u0131\u015fanlar\u0131n hesab\u0131na yat\u0131r\u0131lacakt\u0131r.<\/p>\n","protected":false},"author":1,"featured_media":967,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_canvas","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-393","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gundem"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/resulkurt.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/393","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/resulkurt.com.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/resulkurt.com.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/resulkurt.com.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/resulkurt.com.tr\/index.php\/wp-json\/wp\/v2\/comments?post=393"}],"version-history":[{"count":9,"href":"https:\/\/resulkurt.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/393\/revisions"}],"predecessor-version":[{"id":1025,"href":"https:\/\/resulkurt.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/393\/revisions\/1025"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/resulkurt.com.tr\/index.php\/wp-json\/wp\/v2\/media\/967"}],"wp:attachment":[{"href":"https:\/\/resulkurt.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=393"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/resulkurt.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=393"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/resulkurt.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=393"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}