How to Get a Loan from Esnaf Kefalet

How to Apply for an Esnaf Kefalet Loan?

This is a loan given to tradesmen to develop our tradesmen, who contribute greatly to the country's economy, and to increase their business potential. It is given with favorable interest rates. In these loans, the cooperative requires collateral from you. If your collateral is not deemed sufficient, it requests a civil servant or tradesman guarantor. In these cases, the contracted bank requests 2 guarantors.

What are the Documents Required for an Esnaf Kefalet Loan Application?

There are certain conditions that citizens who want to benefit from this loan must meet. These conditions are; To be an artisan or tradesman, to be registered in the chamber of tradesmen and artisans, to reside or work within the vicinity of the cooperative that will provide the loan, not to have tax debt, to have a high credit score in banks, to be a tradesman (minimum 1 year). Esnaf Kefalet Cooperatives work with Halk Bankası. For this reason, citizens who will use the loan will be able to get a loan with advantageous maturity and favorable interest rates. The maturity specified by Halk Bankası is 5 years. The loans drawn are listed with interest rates of 4% for up to 1 year, and 5% for more than one year. The upper limit of the Esnaf Kefalet loan is financed as 200,000 TL. Individuals who meet these application conditions must submit a written application to their affiliated cooperative. The cooperative's management evaluates the application. The loan application is evaluated as positive or negative within approximately 15 days, and the applicant is informed. If the loan application is positive, the relevant cooperative Halk Bankası provides the necessary documents. If there is no error in the examinations conducted at Halk Bankası, the loan is given to the taxpayer who applied. (If the collateral provided is not deemed sufficient, the relevant bank will request 2 guarantors.) These practices by Esnaf Kefalet Cooperatives have a significant share in economic development. The documents that tradesmen with the above-mentioned conditions must prepare when applying for a loan are listed below.

2 photocopies of ID card

2 photocopies of tax plate

2 documents of registration in the chamber

2 copies of tradesman registry certificate (daily)

4 passport-sized photos for new members

2 copies of population registry (residence certificate)

2 copies of taxpayer certificate from the tax office

2 copies of annual turnover document

SGK (Bağkur or SSK) photocopy

Original and photocopy of commercial vehicle license for driver tradesmen