{"id":1152,"date":"2026-02-01T11:15:13","date_gmt":"2026-02-01T11:15:13","guid":{"rendered":"https:\/\/dsrdanismanlik.com\/?p=1152"},"modified":"2026-02-01T11:15:13","modified_gmt":"2026-02-01T11:15:13","slug":"refinansman-kefalet-programi-hayata-gecirildi","status":"publish","type":"post","link":"https:\/\/dsrdanismanlik.com\/index.php\/2026\/02\/01\/refinansman-kefalet-programi-hayata-gecirildi\/","title":{"rendered":"Refinansman Kefalet Program\u0131 Hayata Ge\u00e7irildi"},"content":{"rendered":"
KOSGEB koordinasyonunda, Kredi Garanti Fonu (KGF) deste\u011fi ve bankalar i\u015f birli\u011fiyle hayata ge\u00e7irilen Refinansman Kefalet Program\u0131, nakit ak\u0131\u015f\u0131 bask\u0131s\u0131 ya\u015fayan KOB\u0130\u2019lere finansal rahatlama sa\u011flamay\u0131 ama\u00e7l\u0131yor.<\/div>\n
Tarih: 31 Ocak 2026<\/div>\n
\n

Program kapsam\u0131nda; y\u00fcksek faizle kulland\u0131r\u0131lm\u0131\u015f mevcut krediler,\u00a0KOSGEB ve KGF kefaletiyle refinanse edilerek<\/strong>\u00a0daha s\u00fcrd\u00fcr\u00fclebilir ko\u015fullara ta\u015f\u0131nabilecek. Anapara bakiyesi\u00a012,5 milyon TL\u2019ye kadar olan<\/strong>\u00a0ve geri \u00f6demelerinde\u00a030 g\u00fcn\u00fc a\u015fmayan gecikmesi bulunan<\/strong>\u00a0krediler;<\/p>\n

    \n
  • 48 aya kadar vade,<\/strong><\/li>\n
  • Y\u0131ll\u0131k %36 maliyet,<\/strong><\/li>\n
  • En az 6 ay anapara \u00f6demesiz d\u00f6nem<\/strong><\/li>\n<\/ul>\n

    imk\u00e2nlar\u0131yla yeniden finansman kapsam\u0131na al\u0131nabilecek.Erken M\u00fcdahale, Finansal \u0130stikrar<\/strong><\/p>\n

    Program, i\u015fletmelerin kredilerinin sorunlu kredi s\u0131n\u0131f\u0131na d\u00fc\u015fmesi beklenmeden\u00a0erken m\u00fcdahale yakla\u015f\u0131m\u0131yla<\/strong>\u00a0kurguland\u0131. \u0130\u015flemler, yeniden yap\u0131land\u0131rma de\u011fil\u00a0refinansman<\/strong>\u00a0olarak de\u011ferlendirilece\u011finden, KOB\u0130\u2019lerin kredi notu ve risk profili olumsuz etkilenmeyecek. B\u00f6ylece \u00fcretim, istihdam ve yat\u0131r\u0131m faaliyetlerinin kesintisiz s\u00fcrd\u00fcr\u00fclmesi hedefleniyor.KGF ve KOSGEB ile G\u00fc\u00e7l\u00fc Risk Payla\u015f\u0131m\u0131<\/strong><\/p>\n

    Refinansman kredileri,\u00a0KGF\u2013KOSGEB risk payla\u015f\u0131m\u0131 modeli<\/strong>\u00a0kapsam\u0131nda kefaletlendirilecek.<\/p>\n

      \n
    • \u0130\u015fletme ba\u015f\u0131na azami\u00a010 milyon TL,<\/strong><\/li>\n
    • Toplamda\u00a030 milyar TL kefalet limiti,<\/strong><\/li>\n
    • Kredilerde\u00a0%80 kefalet oran\u0131<\/strong>
      \nuygulanacak.<\/li>\n<\/ul>\n

      Bu yap\u0131 ile hem bankac\u0131l\u0131k sisteminde aktif kalitesinin korunmas\u0131 hem de KOB\u0130\u2019lerin finansmana eri\u015fiminin kolayla\u015ft\u0131r\u0131lmas\u0131 ama\u00e7lan\u0131yor. Halihaz\u0131rda\u00a0KGF kefaletli kredisi bulunan i\u015fletmeler<\/strong>\u00a0de programdan yararlanabilecek.Kimler Yararlanabilecek?<\/strong><\/p>\n

      Programa;<\/p>\n

        \n
      • Faaliyet k\u00e2r\u0131 pozitif olan,<\/li>\n
      • Kredi geri \u00f6demelerinde\u00a030 g\u00fcn\u00fc a\u015fmayan gecikmesi bulunan,<\/strong><\/li>\n
      • \u0130malat, telekom\u00fcnikasyon, yaz\u0131l\u0131m, bili\u015fim altyap\u0131s\u0131, veri hizmetleri ve Ar-Ge<\/strong>\u00a0sekt\u00f6rlerinde faaliyet g\u00f6steren KOB\u0130\u2019ler ba\u015fvurabilecek.<\/li>\n<\/ul>\n

        T\u00fct\u00fcn \u00fcr\u00fcnleri ve alkoll\u00fc i\u00e7ecek imalat\u0131 program kapsam\u0131 d\u0131\u015f\u0131ndad\u0131r.<\/em><\/p>\n

        Geni\u015f Banka A\u011f\u0131<\/strong><\/p>\n

        Program kapsam\u0131nda kredi kulland\u0131r\u0131m\u0131; Ziraat Bankas\u0131, Vak\u0131fBank, Halkbank, \u0130\u015f Bankas\u0131, Garanti BBVA, Akbank, Yap\u0131 Kredi, QNB Bank ve DenizBank arac\u0131l\u0131\u011f\u0131yla ger\u00e7ekle\u015ftirilecek.Ekonomiye Katk\u0131<\/strong><\/p>\n

        Program ile;<\/p>\n

          \n
        • KOB\u0130\u2019lerin kredi y\u00fck\u00fcn\u00fcn hafifletilmesi,<\/li>\n
        • Sorunlu kredi olu\u015fumunun s\u0131n\u0131rland\u0131r\u0131lmas\u0131,<\/li>\n
        • Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde aktif kalitesinin korunmas\u0131,<\/li>\n
        • \u00dcretim, ihracat ve istihdam\u0131n s\u00fcrd\u00fcr\u00fclebilirli\u011fi
          \nhedefleniyor.<\/li>\n<\/ul>\n

          Ba\u015fvuru ve Bilgi<\/strong><\/p>\n

          Refinansman Kefalet Program\u0131 kapsam\u0131nda kredilerin\u00a0son kulland\u0131r\u0131m tarihi 30 Haziran 2026<\/strong>\u00a0olarak belirlendi.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

          KOSGEB koordinasyonunda, Kredi Garanti Fonu (KGF) deste\u011fi ve bankalar i\u015f birli\u011fiyle hayata ge\u00e7irilen Refinansman Kefalet Program\u0131, nakit ak\u0131\u015f\u0131 bask\u0131s\u0131 ya\u015fayan […]<\/p>\n","protected":false},"author":1,"featured_media":1153,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[6,4],"tags":[],"class_list":["post-1152","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-duyuru","category-kredi"],"yoast_head":"\r\nRefinansman Kefalet Program\u0131 Hayata Ge\u00e7irildi - Profosyonel \u00c7\u00f6z\u00fcm - Durdu Mehmet ATALAY - 0 (505) 677 35 38<\/title>\r\n<meta name=\"description\" content=\"Program kapsam\u0131nda; y\u00fcksek faizle kulland\u0131r\u0131lm\u0131\u015f mevcut krediler,\u00a0KOSGEB ve KGF kefaletiyle refinanse edilerek\u00a0daha s\u00fcrd\u00fcr\u00fclebilir ko\u015fullara ta\u015f\u0131nabilecek. 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