Ürün Açıklaması
Türk Eximbank tarafından uygun bulunan kredi başvurusu için, kredinin anapara, faiz ve taahhüt riskleri toplamının (kredi riski) %100’ü oranında KGF kefaleti sağlanmaktadır.

Ürün Vadesi
Kefalet/aval vadesi konusunda ilgili EXIMBANK kredisinin vadesi esastır. KGF tarafından Türk Eximbank’a gönderilen “Niyet Mektubu”nun düzenlenme tarihinden itibaren 6 ay içinde kullandırılmayan kredilerde KGF’nin kefaleti veya avali son bulur.

Kefalet İçin Kullanılan Kaynak
KGF A.Ş. Özkaynağı

İlgili Finans Kuruluşları / Kurum
Türk Eximbank

Kefalet Limiti
KGF’nin her bir KOBİ lehine vereceği kefalet/aval limiti 3 milyon TL veya muadili yabancı paradır.

Azami Kefalet Oranı
%100

Ücret ve Komisyon
• KGF, kefil olduğu her tür kredi için kredinin türüne ve vadesine bağlı olarak, kefil olduğu tutar üzerinden her yıl için komisyon alır. Bir yıldan uzun vadeli kefalette/avalde bulunduğu kredilerde ise; her yıl için risk üzerinden komisyon alacağını tahsil eder.
• Aval işlemleri dahil KOBİ’lerden tahsil edilecek yıllık kefalet komisyon oranları; KOBİ’lerin kredi değerliliğine, ihracat potansiyeline, kredinin türü ve vadesine, grup riski dahil kredi tutarına bağlı olarak işlem bazında belirlenir.
• Kefalet/aval komisyonları yıllık oran üzerinden dönemsel (6 aylık) olarak hesaplanmaktadır.
• Yabancı para üzerinden kullandırılan kefaletlerde, Kurum’un kefalet/aval limitinin hesabplanmasında “Kefalet Mektubu" ya da avalli poliçe/bononun” düzenlendiği tarihteki TCMB döviz alış kuru esas alınacak ve “Kefalet Mektubu”nun ya da avalli poliçe/bononun” düzenlendiği tarihten sonraki kur artışları yararlanıcı ve bir risk grubu için belirlenen limitlerin hesaplanmasında limit aşımı sayılmayacaktır.

Başvuru Koşulları
Firmanın ihracatçı ve döviz kazandırıcı faaliyeti olan KOBİ olması.

Product Description
For the credit application found appropriate by Turkish Eximbank, KGF guarantee is provided at rate of 100% of total of capital, interest and commitment risks (credit risk), and the guarantee amount to be set by KGF is considered and set forth by Turkish Eximbank.

Product Maturity
The bank may request a letter of guarantee for a period of 1 year starting from the date of loan guarantee approval for the beneficiaries who are eligible.
 
KGF is entitled to shorten the validity period by explicity specifying  such a period.

Resource for Guarantee
Treasury Undersecretary Funds

Related Financial Institutions / Corporations
Turk Eximbank

Guarantee Limit
The guarantee/surety limit to be provided on favor of each beneficiary by KGF is TRY 7,5 million
The guarantee/surety limit to be provided on favor of each Large Scaled Enterprise is TRY 20 million.

Maximum Guarantee Rate
100%

Fees and Commission
The guarantee commission is collected based on the guarantee amount of KGF once in advance at a rate of 0,03 % .
 
KGF will charge any expenses for transaction costs to be paid to third parties for the operations (appraisal, insurance etc.) and the guarantee commission which is collected based on the guarantee amount of KGF at a rate of 0,3 % from Eximbank. Eximbank can charge the relevant costs and fees from the beneficiaries.
 
In sureties granted with foreign currency, the surety commission is collected in Turkish Lira with the buying rate of exchange of Central Bank of Republic of Turkey on the date when the credit is extended.

Application Conditions
The beneficiary is required to be a real or legal entity enterprise (SME/large scaled enterprises) with qualification of exporting or having foreign currency earning activities

Product Description

For the credit application found appropriate by Turkish Eximbank, KGF guarantee is provided at rate of 100% of total of capital, interest and commitment risks (credit risk), and the guarantee amount to be set by KGF is considered and set forth by Turkish Eximbank.

Product Maturity

The maturity of the relevant EXIMBANK credit is based on the guarantee/surety maturity. In terms of credits not extended within 6 months of the date of issue of the “Letter of Intent” sent to Turkish Eximbank by KGF, the guarantee or surety of KGF ends.

Resource for Guarantee

KGF own equity

Related Financial Institutions / Corporations

Turk Eximbank

Guarantee Limit

The guarantee/surety limit to be provided on favor of each beneficiary by KGF is TRY 3 million or equivalent in foreign currency.

Maximum Guarantee Rate

100%

Fees and Commission

KGF receives commission per year through the amount guaranteed, depending on the type and maturity of credits, for any types of credits guaranteed. In terms of credits under guarantee/surety with maturity more than 1 year, it collects the commission receivables through the risk annually.

The annual guarantee commission rates to be collected from SMEs including surety transaction are determined on basis of transaction depending on the credit worthiness and export potential of SMEs and credit amount including type and maturity of the credit.

Guarantee/surety commissions are calculated periodically (6-month) based on the annual rate.

The guarantee commission in guarantees granted based on foreign currency is collected in Turkish Lira with the buying rate of exchange of Central Bank of Republic of Turkey on the date when the credit is extended.

In sureties granted with foreign currency, the surety commission is collected in Turkish Lira with the selling rate of exchange of Central Bank of Republic of Turkey on the date when the credit is extended by T. Eximbank up to the bond maturity.

Application Conditions

The beneficiary is required to be a real or legal entity enterprise with qualification of SME exporting.

For Direct Application;

http://www.kgf.com.tr/dogrudan-basvuru/eximbank-kredileri/