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Announcements

About the Acceleration Financing Package

Lending continues under the "Acceleration Financing Package" implemented by the Turkish Ministry of Treasury and Finance. Loans under this package are disbursed through branches of Halkbank, Vakıfbank, and Ziraat Bank. Investment and Working Capital Loans are offered under the Acceleration Financing Package.

Presentation introducing the Acceleration Financing Package: https://1drv.ms/b/s!AvA4x730lOhbg-EFQGE6SHWaVQfLKA?e=aF0C4Y

Credit packages:

• Loans for companies purchasing domestically produced and new machinery.

• Loans for Raw Material and Intermediate Goods Producers

• Loans for businesses engaged in machinery manufacturing.

• Loans for agricultural businesses

Halkbank: https://www.halkbankkobi.com.tr/channels/KOBI-lere-Ozel/KOBI-Destek-Paketleri/IVME-Finansman-Paketi/1757

Ziraat Bank: https://www.ziraatbank.com.tr/tr/girisimci/krediler/nakdi-krediler/ivme-finansman-paketi

Sectors eligible for loans and loan conditions.

Title

Sector

Conditions

Credit Terms

Banks that Provide Credit

Loans for companies purchasing domestically produced and new machinery.

All sectors

  • Maximum loan amount limit:
    • Investment period: 150 million TL
    • Operating period: 30 million TL
  • Maximum loan term limit:
    • Investment period: 10 years (with up to 2 years of grace period for principal repayment)
    • Operating period: 5 years (with up to 1 year of grace period for principal repayment)
  • Interest rate:
    • Indexed to Government Domestic Debt Securities (DİBS):
      • For loans with maturities of 0-2 years: 2-year government bonds + %1
      • For loans with maturities of 2-5 years: 5-year government bond + %2
      • For loans with maturities of 5-10 years: 10-year government bond + %3
    • Inflation Indexed:
      • 0-2 years: CPI + %2
      • 2-10 years: CPI + %3
  • Halkbank
  • Vakıfbank
  • Ziraat Bank

Loans for Raw Material and Intermediate Producers

  • Chemical Products
  • Medical (Pharmaceutical) Products
  • Plastic and Rubber Products
  • Artificial and Synthetic Yarns
  • Paper and Cardboard and Corrugated Board
  • In investment loan disbursements under the Credit Products for Raw Material/Intermediate Goods Producers, the 4-digit NACE code of the firms making the investment must be provided. in the relevant NACE Code lists It must be included.
  • Types of investments eligible for financing:
    • New investments to be made for the first time
    • Capacity increase/modernization investments
  • Investment expenses financed through loans:
  • Yatırım kredilerinde; KDV dahil satış teklif mektubu/sözleşme/proforma fatura/kesin fatura vb. bedelinin azami %85’ine kadar kredilendirilebilecektir.
  • Maximum loan amount limit:
    • Investment period: 150 million TL
    • Operating period: 30 million TL
  • Maximum loan term limit:
    • Investment period: 10 years (with up to 2 years of grace period for principal repayment)
    • Operating period: 5 years (with up to 1 year of grace period for principal repayment)
  • Interest rate:
    • Indexed to Government Domestic Debt Securities (DİBS):
      • For loans with maturities of 0-2 years: 2-year government bonds + %1
      • For loans with maturities of 2-5 years: 5-year government bond + %2
      • For loans with maturities of 5-10 years: 10-year government bond + %3
    • Inflation Indexed:
      • 0-2 years: CPI + %2
      • 2-10 years: CPI + %3
  • Halkbank
  • Vakıfbank
  • Ziraat Bank

Loans for companies that manufacture machinery

  • Electrical Machinery and Components
  • Computers, Electronics, Optics
  • Parts and Components of Motor Vehicles
  • Engine and Components
  • General Industrial Machinery and Components
  • Electrical Equipment
  • In investment loan disbursements under credit products for machinery manufacturing companies, the 4-digit NACE code of the investing companies must be provided. in the relevant NACE Code lists It must be included.
  • Types of investments eligible for financing:
    • New investments to be made for the first time
    • Capacity increase/modernization investments
  • Investment expenses financed through loans:
  • Yatırım kredilerinde; KDV dahil satış teklif mektubu/sözleşme/proforma fatura/kesin fatura vb. bedelinin azami %85’ine kadar kredilendirilebilecektir.
  • Maximum loan amount limit:
    • Investment period: 150 million TL
    • Operating period: 30 million TL
  • Maximum loan term limit:
    • Investment period: 10 years (with up to 2 years of grace period for principal repayment)
    • Operating period: 5 years (with up to 1 year of grace period for principal repayment)
  • Interest rate:
    • Indexed to Government Domestic Debt Securities (DİBS):
      • For loans with maturities of 0-2 years: 2-year government bonds + %1
      • For loans with maturities of 2-5 years: 5-year government bond + %2
      • For loans with maturities of 5-10 years: 10-year government bond + %3
    • Inflation Indexed:
      • 0-2 years: CPI + %2
      • 2-10 years: CPI + %3
  • Halkbank
  • Vakıfbank
  • Ziraat Bank

Loans for agricultural businesses

  • Greenhouse Farming (Covered Agriculture)
  • Soybean, Corn, Sunflower Production
  • Livestock & Fodder Crop Production
  • Equipment Package
  • Seracılık ve Tarımsal Mekanizasyon Yatırımlarının %75’ine kadar Yatırım Kredisi sağlanmaktadır.
  • Modern Basınçlı Sulama Sistemi Yatırımlarına %100 oranında Yatırım Kredisi sağlanmaktadır.
  • Loans are provided to cover all operating expenses.
  • Maximum loan term limit:
    • Investment period:
      • Greenhouse farming: 84 months
      • Other: 60 months
    • Operating period:
      • Greenhouse farming: 14 months
      • Other: 12 months
  • Interest rate:
    • Indexed to Government Domestic Debt Securities (DİBS):
      • For loans with maturities of 0-2 years: 2-year government bonds + %1
      • For loans with maturities of 2-5 years: 5-year government bond + %2
      • For loans with maturities of 5-10 years: 10-year government bond + %3
    • Inflation Indexed:
      • 0-2 years: CPI + %2
      • 2-10 years: CPI + %3
  • Ziraat Bank

* It is recommended to inquire with the relevant bank branch regarding whether the machinery and equipment to be purchased must be unused (new).

Points to consider

• Business loans cannot be disbursed independently. Business loans under the Acceleration Financing Package can only be allocated in conjunction with an Investment Loan, to the extent necessary for the operational needs of the relevant investment. Business loans can be disbursed after the investment becomes operational or after obtaining approval from the relevant General Directorate Allocation Units.

• Variable (indexed to government bonds or inflation) interest rates will be applied to cash loans under this package. Interest rates will be updated once a year throughout the loan term.

• Cash loans provided under this package will be in Turkish Lira (TL). Interest for the grace period will accrue and be collected every 3 or 6 months.

• Raw material and intermediate goods manufacturers, machinery manufacturers, and machinery buyers specified in the package are required to obtain "Machinery Insurance" for all machinery purchased under investment loans for the duration of the loan term.

• For loans to be provided to new and domestic machinery buyers, the necessary documents must be obtained from the Ministry of Industry and Technology. Domestic Products Circular It should be organized within that framework.

• Investment loans must be disbursed against supporting documentation (final or proforma invoice, sales offer letter, contract, etc.). For transactions made against a proforma invoice/sales offer letter, a copy of the final invoice, matching the content of the proforma invoice/sales offer letter and for the same amount, must be provided within a maximum of 3 months and added to the loan file. If, after the loan is disbursed, the final invoice amount is lower than the proforma invoice/sales offer letter amount, the customer will be required to repay the difference.

• While the principle is that companies pay the supplier companies for the products/new and domestically produced machinery they will acquire as part of their investments against invoices, if retroactive financing is involved, the payment will be made to the company that used the credit.

• Investment project loans will be used for the purchase of machinery, equipment, fixtures, furniture, and furnishings included in the project's expenditures, as well as for the purchase of buildings and construction expenses within the scope of the investment. For financing related to building purchases, the appraisal value determined by the Bank's experts will be taken into account. Expenditures that do not fully comply with the spirit of the loan, such as the purchase of a building alone or requests for working capital loans exceeding the investment loan limit, will not be considered within the scope of investment loans.

• Invoices issued up to a maximum of 6 months prior to the loan disbursement date may also be considered for the loan.

• Sample invoices/expense documents related to business loan disbursements will be collected.

• Paket kapsamında Teminat Mektubu, Akreditif, Garanti Mektubu Vs.) Cari Komisyon Oranlarından %20 indirim uygulanacaktır.

For more information and questions: Halkbank, Vakıfbank and Ziraat Bank branches

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