{"id":4380,"date":"2025-11-12T12:40:00","date_gmt":"2025-11-12T09:40:00","guid":{"rendered":"https:\/\/topraktaumutvar.com.tr\/index.php\/2025\/11\/12\/devlet-destegi-el-yakiyor-ziraat-bankasi-kredisi-ureticiyi-caydiriyor-hakkimdan-feragat-ettim\/"},"modified":"2025-11-12T12:40:00","modified_gmt":"2025-11-12T09:40:00","slug":"devlet-destegi-el-yakiyor-ziraat-bankasi-kredisi-ureticiyi-caydiriyor-hakkimdan-feragat-ettim","status":"publish","type":"post","link":"https:\/\/topraktaumutvar.com.tr\/index.php\/2025\/11\/12\/devlet-destegi-el-yakiyor-ziraat-bankasi-kredisi-ureticiyi-caydiriyor-hakkimdan-feragat-ettim\/","title":{"rendered":"Devlet deste\u011fi el yak\u0131yor! Ziraat Bankas\u0131 kredisi \u00fcreticiyi cayd\u0131r\u0131yor: ‘Hakk\u0131mdan feragat ettim!’"},"content":{"rendered":"

K\u0131rsal kalk\u0131nmay\u0131 ve hayvanc\u0131l\u0131\u011f\u0131 desteklemek amac\u0131yla ba\u015flat\u0131lan projelerdeki y\u00fcksek maliyetler, \u00fcreticileri te\u015fviklerden vazge\u00e7me noktas\u0131na getirdi. Ziraat Bankas\u0131 \u00fczerinden verilen kredilerle hayvan al\u0131m\u0131 yapmay\u0131 planlayan \u00fcreticiler, talep edilen fahi\u015f masraflar, sigorta ve faiz y\u00fck\u00fc nedeniyle projeden \u00e7ekilmeye ba\u015flad\u0131.<\/p>\n

Masraf \u00c7etelesi \u00dcreticinin Belini B\u00fckt\u00fc: Hayvan Ba\u015f\u0131 Y\u0131ll\u0131k 24 Bin TL!<\/h3>\n

“K\u0131rsalda Bereket Hayvanc\u0131l\u0131\u011fa Destek”<\/strong> projesine ba\u015fvuran bir \u00fcreticinin sosyal medyada payla\u015ft\u0131\u011f\u0131 masraf listesi, durumun vahametini g\u00f6zler \u00f6n\u00fcne serdi. \u00dcretici, bu y\u00fck\u00fcml\u00fcl\u00fckler kar\u015f\u0131s\u0131nda hakk\u0131ndan feragat etti\u011fini duyurdu.<\/p>\n

\u0130\u015fte \u00fcreticinin hayvan ba\u015f\u0131na d\u00fc\u015fen y\u0131ll\u0131k faiz ve sigorta y\u00fck\u00fc ile di\u011fer sabit masraflar\u0131:<\/p>\n

Ekspertiz ve Kredi Masraflar\u0131: 30.000 TL ila 40.000 TL aras\u0131 ekspertiz \u00fccreti art\u0131 yakla\u015f\u0131k 30.000 TL kredi masraf\u0131 (Sabit ve pe\u015fin masraflar).<\/p>\n

Geni\u015f Kapsaml\u0131 Sigorta: Hayvan ba\u015f\u0131 y\u0131ll\u0131k en az 6.000 TL (Zorunlu de\u011fil ancak T\u0130GEM’in dar kapsaml\u0131 sigortas\u0131 yetersiz kald\u0131\u011f\u0131 i\u00e7in \u00fcretici kayb\u0131n\u0131 \u00f6nlemek i\u00e7in yapt\u0131r\u0131yor) <\/p>\n

Faiz \u00d6demesi: Y\u0131ll\u0131k %15 faiz. (15 hayvan i\u00e7in y\u0131ll\u0131k yakla\u015f\u0131k 270.000 TL, yani hayvan ba\u015f\u0131 y\u0131ll\u0131k 18.000 TL faiz.)<\/p>\n

\u00dcretici \u0130syanda: “Bunlar sayabildiklerim. Ben hakk\u0131mdan feragat ettim.”<\/p>\n

Destek Projesi Cayd\u0131r\u0131c\u0131l\u0131\u011fa D\u00f6n\u00fc\u015ft\u00fc!<\/h3>\n

Devletin hayvanc\u0131l\u0131\u011f\u0131 te\u015fvik etmesi beklenen bu projede, bankan\u0131n talep etti\u011fi y\u00fcksek ekspertiz, kredi masraflar\u0131, geni\u015f kapsaml\u0131 sigorta ve %15 faiz oran\u0131, toplam maliyeti katlayarak \u00fcreticinin kar etme ihtimalini s\u0131f\u0131ra indiriyor.<\/p>\n

\u00d6zellikle sadece 15 hayvan alacak bir \u00fcreticinin, faiz ve sigorta i\u00e7in y\u0131ll\u0131k yakla\u015f\u0131k 360.000 TL (15 x 24.000 TL) ek y\u00fck \u00fcstlenmek zorunda kalmas\u0131, projenin “destek” amac\u0131ndan uzakla\u015f\u0131p “y\u00fcksek maliyetli bor\u00e7lanma” arac\u0131na d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc g\u00f6steriyor.<\/p>\n

Bu durum, k\u0131rsalda \u00fcretim yapmak isteyen, ancak y\u00fcksek finansman maliyetleri nedeniyle engellenen \u00fcreticilerin say\u0131s\u0131n\u0131n h\u0131zla artt\u0131\u011f\u0131na i\u015faret ediyor.<\/p>","protected":false},"excerpt":{"rendered":"

K\u0131rsal kalk\u0131nmay\u0131 ve hayvanc\u0131l\u0131\u011f\u0131 desteklemek amac\u0131yla ba\u015flat\u0131lan projelerdeki y\u00fcksek maliyetler, \u00fcreticileri te\u015fviklerden vazge\u00e7me noktas\u0131na getirdi. Ziraat Bankas\u0131 \u00fczerinden verilen kredilerle hayvan al\u0131m\u0131 yapmay\u0131 planlayan \u00fcreticiler, talep edilen fahi\u015f masraflar, sigorta ve faiz y\u00fck\u00fc nedeniyle projeden \u00e7ekilmeye ba\u015flad\u0131. Masraf \u00c7etelesi \u00dcreticinin Belini B\u00fckt\u00fc: Hayvan Ba\u015f\u0131 Y\u0131ll\u0131k 24 Bin TL! “K\u0131rsalda Bereket Hayvanc\u0131l\u0131\u011fa Destek” projesine ba\u015fvuran bir …<\/p>\n","protected":false},"author":1,"featured_media":4381,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"class_list":["post-4380","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-tarim-haberleri"],"_links":{"self":[{"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/4380","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/comments?post=4380"}],"version-history":[{"count":0,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/4380\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/media\/4381"}],"wp:attachment":[{"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=4380"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=4380"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=4380"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}