News

Special advantages are offered to our members within the scope of the cooperation protocol signed between Yalova Chamber of Commerce and Industry and Yapı Kredi.

 

ADVANTAGES

Member Merchant / POS:

• Support will be provided with the following rates for chamber members applying for Member Merchant/POS services until June 30, 2026.

• Provided that the monthly POS turnover is at least TRY 2,000, advantages regarding POS Software/Hardware/Maintenance fees amounting to TRY 349 may be offered.

Tourism POS:

• For transactions made through Yapı Kredi POS devices using international credit cards, a 0.94% commission rate with next-day payment will be applied for annual turnover up to TRY 50 million per customer.
• For single-payment transactions made with domestic credit cards, the following rates will apply for up to TRY 24 million turnover within 6 months.

Loan Programs:

Loan pricing will be determined with special advantages for chamber members within the scope of the cooperation.

• CGF-Guaranteed Loan Programs ```
  • Employment Support Package: Up to 10-point interest advantage with KOSGEB support for manufacturing companies, 6-month grace period, and maturities up to 36 months.
  • Digital Transformation Package: Up to 20-point interest advantage with KOSGEB support for manufacturing companies and maturities up to 24 months.
  • Agricultural Guarantee Loan: Operating and investment loans with maturities up to 24 months for companies in the agricultural sector.
  • CGF Export Support Package: Loans with maturities up to 24 months for exporting companies.
  • Turwib Package: Loans with maturities up to 60 months, including up to 6 months grace period, for companies meeting women entrepreneur criteria.
  • CGF General Support Loan: The main purpose of the program is to meet all kinds of operating expenses of eligible beneficiaries. Investment expenditures may also be financed through loans excluding land and building investments. Loans can be utilized as Cash Loans and Letters of Guarantee. Financing up to TRY 12.5 million with maturities up to 24 months is available.
     
• IGE-Guaranteed Loan Programs
• ```

For the purpose of meeting operating expenses and cash flow needs, SMEs and non-SME enterprises operating in export or foreign currency earning service sectors are financed.

Loan utilization up to TRY 112.5 million (or equivalent foreign currency) is available with maturities up to 36 months for FX loans and up to 24 months for TRY loans.

•  Sustainability Loans ```
  • Investment Loans
• ```

We are pleased to share our special loan offer and conditions for investment financing needs, particularly in Renewable Energy, Energy Efficiency, and Machinery-Equipment replacement projects. Loans may be granted in TRY or foreign currency.

Loans up to TRY 50 million (or equivalent foreign currency) may be utilized with maturities up to 48 months, including up to 6 months principal grace period.

• Electric Vehicle Loan

Loan support with maturities up to 48 months is available for fully electric vehicle (BEV) purchases, whether individual or fleet acquisitions.

Loans are financed through funds obtained from international resources, and project compliance with the relevant programs is evaluated by international financial institutions and technical consultants designated by these institutions. During the financial, environmental, and social assessment stages, additional information and documents requested by the technical consultant must be provided.

• Installment Commercial Loan

Commercial loans with maturities up to 24 months and advantageous interest rates may be utilized to support business financing needs.

Salary Promotion:

For customers with 2 or more employees, salary promotion advantages up to a maximum of TRY 39,600 per employee for a period of 36 months may be offered.

SME Welcome Package: The following advantages will be offered free of charge to our chamber member businesses that become new customers of our bank.

• 50 Free EFT/Money Transfer Transactions
• 1 TRY Cheque Book
• 50 Other Bank Cheque Collections
• 50 Yapı Kredi Cheque Collections
• 15 Foreign Trade Transactions
• 15 SWIFT / Communication Fee Exemptions
• 10 Incoming Foreign Currency Transfers
• First 2 years annual fee exemption for newly purchased Business Cards
   

BANKO

- BANKO is a payment and financing product that offers payment assurance to debtors and collection assurance to creditors, going beyond existing payment and collection products with innovative features such as discounting and transfer capabilities. BANKO interest for chamber members will be priced at 48%.

Financial literacy and loan products training may also be provided to members during events organized by the Chamber.