{"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.cekodesign.com\/index.php\/2023\/04\/04\/kidem-tazminatina-kgf-kredisi\/","title":{"rendered":"K\u0131dem Tazminat\u0131na KGF Kredisi"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"393\" class=\"elementor elementor-393\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a9b0f52 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"a9b0f52\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-99e6061\" data-id=\"99e6061\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-1fb7a65\" data-id=\"1fb7a65\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74dde5e elementor-widget elementor-widget-heading\" data-id=\"74dde5e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.1 - 02-04-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">K\u0131dem Tazminat\u0131na KGF Kredisi<\/h2>\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<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-951885f\" data-id=\"951885f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f34073c elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"f34073c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-51e4686\" data-id=\"51e4686\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7e6d665 elementor-widget elementor-widget-spacer\" data-id=\"7e6d665\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.1 - 02-04-2023 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-beff103 elementor-widget elementor-widget-text-editor\" data-id=\"beff103\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.1 - 02-04-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>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><p>Hali haz\u0131rda 1,5 milyonu a\u015fk\u0131n sigortal\u0131 EYT&#8217;den emeklilik ba\u015fvurusu yapt\u0131, emekli ayl\u0131klar\u0131 ise ba\u011flanmaya devam ediliyor. 2023 sonuna kadar 2.250.000 ki\u015finin EYT&#8217;den yararlanmas\u0131 bekleniyor.<\/p><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><p>Buna ili\u015fkin ko\u015fullarda netle\u015fmeye ba\u015flad\u0131.<\/p><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><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><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><p>KGF&#8217;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><p>Yaralanacak \u015firketlerin kefalet limitleri ve oranlar\u0131 KOB\u0130&#8217;ler i\u00e7in 10 Milyon TL ve %75 iken; KOB\u0130 D\u0131\u015f\u0131 i\u015fletmelerin 20 Milyon TL ve %70&#8217;dir. Kefaletle birlikte KOB\u0130&#8217;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><p>KGF kapsam\u0131nda kullan\u0131labilecek krediler \u015fu \u015fekildedir:<\/p><p>1. \u0130\u015fletme Kredisi\/Muraba<\/p><p>\u00b7 Nakdi Krediler<\/p><p>\u00b7 Taksitli Krediler<\/p><p>\u00b7 Kat\u0131l\u0131m Bankac\u0131l\u0131\u011f\u0131na uygun di\u011fer y\u00f6ntemler.<\/p><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&#8217;i oran\u0131nda Kredi Verenler arac\u0131l\u0131\u011f\u0131yla komisyon tahsil eder.<\/p><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><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&#8217;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><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><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><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<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>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&#8217;den emeklilik ba\u015fvurusu yapt\u0131, emekli ayl\u0131klar\u0131 ise ba\u011flanmaya devam ediliyor. 2023 sonuna kadar 2.250.000 ki\u015finin EYT&#8217;den yararlanmas\u0131 bekleniyor. Tabi, \u00e7al\u0131\u015f\u0131rken EYT kapsam\u0131nda emeklilik dilek\u00e7esi veren ve [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":967,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_canvas","format":"standard","meta":[],"categories":[15],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/resulkurt.cekodesign.com\/index.php\/wp-json\/wp\/v2\/posts\/393"}],"collection":[{"href":"https:\/\/resulkurt.cekodesign.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/resulkurt.cekodesign.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/resulkurt.cekodesign.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/resulkurt.cekodesign.com\/index.php\/wp-json\/wp\/v2\/comments?post=393"}],"version-history":[{"count":9,"href":"https:\/\/resulkurt.cekodesign.com\/index.php\/wp-json\/wp\/v2\/posts\/393\/revisions"}],"predecessor-version":[{"id":1025,"href":"https:\/\/resulkurt.cekodesign.com\/index.php\/wp-json\/wp\/v2\/posts\/393\/revisions\/1025"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/resulkurt.cekodesign.com\/index.php\/wp-json\/wp\/v2\/media\/967"}],"wp:attachment":[{"href":"https:\/\/resulkurt.cekodesign.com\/index.php\/wp-json\/wp\/v2\/media?parent=393"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/resulkurt.cekodesign.com\/index.php\/wp-json\/wp\/v2\/categories?post=393"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/resulkurt.cekodesign.com\/index.php\/wp-json\/wp\/v2\/tags?post=393"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}