TESKOMB KRED\u0130 \u2013 KEFALET S\u0130STEM\u0130N\u0130N \u0130\u015eLEY\u0130\u015e\u0130<\/strong><\/p>\n \n\n \n \u00dclkemizde, esnaf ve sanatkarlar\u0131 desteklemek amac\u0131yla;<\/p>\n \n\n \n Devlet taraf\u0131ndan tahsis edilen kaynaklar\u0131n kulland\u0131r\u0131lmas\u0131 i\u00e7in T.Halk Bankas\u0131 g\u00f6revlendirilmi\u015ftir. \n Ortakl\u0131k \u015fartlar\u0131 \n Ortakl\u0131\u011fa Giri\u015f \u015eartlar\u0131 ta\u015f\u0131yanlar; \n Kooperatif, kredi talebi ile ilgili olarak; \n Kredi \u0130\u00e7in \u0130stenen Evraklar<\/p>\n \n\n \n 1- Vergi Levhas\u0131 Fotokopisi\n TESKOMB KRED\u0130 \u2013 KEFALET S\u0130STEM\u0130N\u0130N \u0130\u015eLEY\u0130\u015e\u0130 \u00dclkemizde, esnaf ve sanatkarlar\u0131 desteklemek amac\u0131yla; Devlet taraf\u0131ndan tahsis edilen kaynaklar\u0131n kulland\u0131r\u0131lmas\u0131 i\u00e7in T.Halk Bankas\u0131 g\u00f6revlendirilmi\u015ftir. Bu uygulamada kooperatif, orta\u011f\u0131 olan esnaf ve sanatkara sadece bankaya kar\u015f\u0131 kefalet vermektedir. Esnaf ve sanatkarlara kulland\u0131r\u0131lan kredilerin faizleri ile ticari kredi faizleri aras\u0131ndaki fark devlet taraf\u0131ndan kar\u015f\u0131lanmaktad\u0131r. Ortakl\u0131k \u015fartlar\u0131 Esnaf ve sanatkar […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/full-width-page.php","meta":[],"_links":{"self":[{"href":"https:\/\/komiso.org\/wp-json\/wp\/v2\/pages\/431"}],"collection":[{"href":"https:\/\/komiso.org\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/komiso.org\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/komiso.org\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/komiso.org\/wp-json\/wp\/v2\/comments?post=431"}],"version-history":[{"count":2,"href":"https:\/\/komiso.org\/wp-json\/wp\/v2\/pages\/431\/revisions"}],"predecessor-version":[{"id":581,"href":"https:\/\/komiso.org\/wp-json\/wp\/v2\/pages\/431\/revisions\/581"}],"wp:attachment":[{"href":"https:\/\/komiso.org\/wp-json\/wp\/v2\/media?parent=431"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Bu uygulamada kooperatif, orta\u011f\u0131 olan esnaf ve sanatkara sadece bankaya kar\u015f\u0131 kefalet vermektedir. \n
Esnaf ve sanatkarlara kulland\u0131r\u0131lan kredilerin faizleri ile ticari kredi faizleri aras\u0131ndaki fark devlet taraf\u0131ndan kar\u015f\u0131lanmaktad\u0131r. <\/p>\n \n\n \n
Esnaf ve sanatkar olmak, \n
Esnaf ve sanatkar siciline kay\u0131tl\u0131 bulunmak, \n
\u0130\u015f veya ikamet yeri kooperatifin \u00e7al\u0131\u015fma b\u00f6lgesi i\u00e7inde bulunmak, \n
Ayn\u0131 zamanda ba\u015fka bir Esnaf ve Sanatkarlar Kredi ve Kefalet Kooperatifi orta\u011f\u0131 olmamak. <\/p>\n \n\n \n
Yaz\u0131l\u0131 olarak kooperatife m\u00fcracaat ederler. \n
M\u00fcracaat sahibinin durumu Y\u00f6netim Kurulu taraf\u0131ndan ara\u015ft\u0131r\u0131l\u0131r. \n
Kabul veya ret karar\u0131 15 g\u00fcn i\u00e7erisinde ilgiliye yaz\u0131l\u0131 olarak bildirilir. <\/p>\n \n\n \n
Orta\u011f\u0131n ekonomik ve mali durumunu ara\u015ft\u0131r\u0131r, istihbarat raporu veya b\u00fclteni d\u00fczenler ve kefalet haddini tespit eder, \n
Kredi teklifini T. Halk Bankas\u0131na iletir. \n
\u0130letilen teklif T. Halk Bankas\u0131nca incelenir ve banka taraf\u0131ndan tekrar istihbarat yap\u0131l\u0131r. \n
\u0130stihbarat olumlu sonu\u00e7land\u0131\u011f\u0131 takdirde ortak kredilendirilir. \n
\n
<\/p>\n \n\n \n
2-N\u00fcfus Fotokopisi\n
3-Oda Kay\u0131t Belgesi (Meslek Odas\u0131ndan)\n
4- Esnaf Sicil Fotokopisi (Sicil M\u00fcd\u00fcrl\u00fc\u011f\u00fcnden)\n
5-\u0130kametgah \n
6-Kefil (Vergi Levhas\u0131, \u0130kametgah)\n
7-Al\u0131nacak Krediye G\u00f6re \u0130potek Al\u0131nmas\u0131 Halinde Tapu Fotokopisi<\/p>\n \n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n ![\"\"](\"https:\/\/komiso.org\/wp-content\/uploads\/2022\/03\/kmologosiyah.png\")
\n \u0130zmit K\u00fc\u00e7\u00fck Sanayi Sitesi, 7. Cd. No:34, 41040 \u0130zmit\/Kocaeli\n
0262 335 07 97<\/h5>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"