{"id":1140,"date":"2025-11-09T10:50:00","date_gmt":"2025-11-09T10:50:00","guid":{"rendered":"https:\/\/haberadmin.com\/?p=1140"},"modified":"2025-11-09T10:50:00","modified_gmt":"2025-11-09T10:50:00","slug":"esnaf-artik-kullandigi-krediyi-belgelendirmek-zorunda","status":"publish","type":"post","link":"https:\/\/haberadmin.com\/?p=1140","title":{"rendered":"Esnaf Art\u0131k Kulland\u0131\u011f\u0131 Krediyi Belgelendirmek Zorunda"},"content":{"rendered":"<p>Hazine faiz destekli esnaf kredilerinde yeni bir d\u00f6nem ba\u015fl\u0131yor. 1 Ocak 2026\u2019dan itibaren, krediyi kullanacak esnaf\u0131n harcamalar\u0131n\u0131n en az y\u00fczde 33\u2019\u00fcn\u00fc, 2027\u2019de ise y\u00fczde 67\u2019sini fatura veya belgelerle g\u00f6stermesi zorunlu olacak. Ama\u00e7, kredilerin yat\u0131r\u0131m d\u0131\u015f\u0131 ama\u00e7larla kullan\u0131lmas\u0131n\u0131n \u00f6n\u00fcne ge\u00e7mek. Resm\u00ee kaynaklara g\u00f6re, kredi ama\u00e7lar\u0131 d\u0131\u015f\u0131nda veya ger\u00e7e\u011fe ayk\u0131r\u0131 beyanda bulunulmas\u0131 durumunda, kredi hazine faiz deste\u011fi kapsam\u0131ndan \u00e7\u0131kar\u0131lacak. Bu sayede alt\u0131n, ara\u00e7 veya konut gibi farkl\u0131 alanlara y\u00f6nlendirilmenin \u00f6n\u00fcne ge\u00e7ilmesi hedefleniyor.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"Esnaf Art\u0131k Kulland\u0131\u011f\u0131 Krediyi Belgelendirmek Zorunda\" class=\"mx-auto max-w-full h-auto shadow-sm\" height=\"519\" src=\"https:\/\/www.urfahaber.com\/images\/uploads\/2025\/11\/dsadsadsadsaasdsadsdasdadsa-691071e6a7940.png\" width=\"974\" \/><\/p>\n<p><strong>ESNAF TEMS\u0130LC\u0130LER\u0130 ERTELEME TALEP ED\u0130YOR<\/strong><\/p>\n<p>Uygulama, esnaf temsilcileri taraf\u0131ndan tart\u0131\u015fmalara yol a\u00e7t\u0131. T\u00fcrkiye Gazetesi\u2019nin haberine g\u00f6re, AK Parti Yozgat Milletvekili ve TESKOMB Ba\u015fkan\u0131 Abdulkadir Akg\u00fcl, Meclis Plan ve B\u00fct\u00e7e Komisyonunda yapt\u0131\u011f\u0131 a\u00e7\u0131klamada, yeni faturaland\u0131rma sisteminin uygulamada sorun \u00e7\u0131karabilece\u011fini belirtti. Akg\u00fcl, \u201cEsnaf faturay\u0131 bulamayacak veya sat\u0131n almak zorunda kalacak. Bu durumda krediye eri\u015fim fiilen engellenmi\u015f olacak\u201d ifadelerini kulland\u0131.<\/p>\n<p>Akg\u00fcl ayr\u0131ca, faiz destekli kredilerin esnaf\u0131n BA\u011e-KUR prim \u00f6demeleri ve g\u00fcnl\u00fck i\u015fletme ihtiya\u00e7lar\u0131 i\u00e7in \u00f6nemli oldu\u011funu vurgulayarak, uygulaman\u0131n ertelenmesi ve \u015fartlar\u0131n g\u00f6zden ge\u00e7irilmesi i\u00e7in ekonomi y\u00f6netimiyle g\u00f6r\u00fc\u015fmelerini s\u00fcrd\u00fcrd\u00fc\u011f\u00fcn\u00fc s\u00f6yledi.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"Esnaf Art\u0131k Kulland\u0131\u011f\u0131 Krediyi Belgelendirmek Zorunda\" class=\"mx-auto max-w-full h-auto shadow-sm\" height=\"600\" src=\"https:\/\/www.urfahaber.com\/images\/uploads\/2025\/11\/dsadassdasdadsadasdsa-691070d23c9d5.png\" width=\"1200\" \/><\/p>\n<p><strong>MUHALEFET VE TESK&#8217;TEN TEPK\u0130<\/strong><\/p>\n<p>Muhalefet partileri de faturaland\u0131rma zorunlulu\u011funun kald\u0131r\u0131lmas\u0131 y\u00f6n\u00fcnde taleplerini iletti. T\u00fcrkiye Esnaf ve Sanatk\u00e2rlar Konfederasyonu (TESK) Genel Ba\u015fkan\u0131 Bendevi Paland\u00f6ken, esnaf\u0131n basit usule ge\u00e7i\u015f s\u00fcrecine haz\u0131rl\u0131ks\u0131z yakaland\u0131\u011f\u0131n\u0131 ve mevcut ekonomik ko\u015fullar\u0131n krediyi kullanmay\u0131 zorla\u015ft\u0131rd\u0131\u011f\u0131n\u0131 ifade etti. Paland\u00f6ken, \u201cMevcut ekonomik \u015fartlar esnaf\u0131 ciddi \u015fekilde zorluyor. Bu t\u00fcr d\u00fczenlemeler, piyasadaki durgunlu\u011fun temel sebeplerinden biri h\u00e2line gelebilir\u201d dedi.<\/p>\n<p><strong>UYGULAMANIN EKONOM\u0130YE ETK\u0130S\u0130<\/strong><\/p>\n<p>Yeni sistem ile kredilerin \u015feffaf kullan\u0131m\u0131 sa\u011flanacak, suistimaller azalacak. Ancak esnaf\u0131n muhasebe y\u00fck\u00fc artacak ve belgelenemeyen harcamalar krediye eri\u015fimi zorla\u015ft\u0131racak. Esnaf temsilcileri, uygulaman\u0131n kademeli ve destekleyici tedbirlerle y\u00fcr\u00fcrl\u00fc\u011fe konmas\u0131n\u0131 talep ediyor.<\/p>\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hazine faiz destekli esnaf kredilerinde yeni bir d\u00f6nem ba\u015fl\u0131yor. 1 Ocak 2026\u2019dan itibaren, krediyi kullanacak&#8230;<\/p>\n","protected":false},"author":1,"featured_media":1141,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1140","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gundem"],"_links":{"self":[{"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/posts\/1140","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1140"}],"version-history":[{"count":0,"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/posts\/1140\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/media\/1141"}],"wp:attachment":[{"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1140"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1140"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1140"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}