{"id":16420,"date":"2020-05-21T07:43:43","date_gmt":"2020-05-21T07:43:43","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=16420"},"modified":"2022-06-09T13:06:52","modified_gmt":"2022-06-09T13:06:52","slug":"doviz-kredisi-yasaginda-yeni-ve-ciddi-istisnalar","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2020\/05\/21\/doviz-kredisi-yasaginda-yeni-ve-ciddi-istisnalar\/","title":{"rendered":"D\u00f6viz Kredisi Yasa\u011f\u0131nda Yeni ve Ciddi \u0130stisnalar"},"content":{"rendered":"<p><strong>Yeni Geli\u015fme<\/strong><\/p>\n<p>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&#8220;<strong>TCMB<\/strong>&#8220;), Sermaye Hareketleri Genelgesi&#8217;nde, 11 May\u0131s 2020 tarihinde d\u00f6viz kredisi kullan\u0131m s\u0131n\u0131rlamalar\u0131na ili\u015fkin \u00e7e\u015fitli de\u011fi\u015fiklikler (&#8220;<strong>De\u011fi\u015fiklik<\/strong>&#8220;) yapt\u0131. S\u00f6z konusu de\u011fi\u015fikliklerin en \u00e7arp\u0131c\u0131s\u0131, bir s\u00fcredir uygulamadan kald\u0131r\u0131lm\u0131\u015f olan sermaye avans\u0131na benzer bir kavram\u0131n literat\u00fcre d\u00e2hil olmas\u0131 meselesini tekrar g\u00fcndeme gelmesi.<\/p>\n<p><strong>Karar Ne Getiriyor?<\/strong><\/p>\n<p><em>Sermaye \u00d6demesinin Hissedar Kredisine D\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi<\/em><\/p>\n<p>Halka a\u00e7\u0131k olmayan \u015firketlerce sermaye art\u0131r\u0131m beyan\u0131yla yurt d\u0131\u015f\u0131ndan getirilen d\u00f6vizin sermayeye eklenmesi ve sermaye art\u0131r\u0131m\u0131n\u0131n belgelenmesi en ge\u00e7 \u00fc\u00e7 ay i\u00e7inde ger\u00e7ekle\u015ftirilmesi gerekecek.<\/p>\n<p>\u015eirketin, bu s\u00fcre i\u00e7inde, ileride ger\u00e7ekle\u015ftirilecek sermaye art\u0131\u015f\u0131 i\u00e7in yabanc\u0131 ortak taraf\u0131ndan \u015firket hesab\u0131na yat\u0131r\u0131lan d\u00f6vizin sermayeye ilave edilmesinden vazge\u00e7mesi ve ilgili mebla\u011f\u0131n kredi olarak kullan\u0131lmas\u0131n\u0131 tercih etmesi m\u00fcmk\u00fcn olacak. Bu durumda, \u015firketin kredi kullan\u0131m iradesini, arac\u0131 bankaya yaz\u0131l\u0131 olarak beyan etmesi gerekecek. Bu beyan\u0131n verilmesi veya \u015firketin \u00fc\u00e7 ay i\u00e7inde sermaye art\u0131\u015f\u0131n\u0131n tamamland\u0131\u011f\u0131n\u0131 tevsik edememesi durumunda, Arac\u0131 banka, ilgili \u015firketin d\u00f6viz kredi kullan\u0131p kullanamayaca\u011f\u0131n\u0131 tespit edecek.<\/p>\n<p>Arac\u0131 banka taraf\u0131ndan, \u015firketin d\u00f6viz kredisi kullanabilece\u011fi tespit edildi\u011finde, \u015firket taraf\u0131ndan sa\u011flanan tutarlar, kredi bakiyesine eklenecek ve T\u00fcrkiye Bankalar Birli\u011fi Risk Merkezi&#8217;ne (&#8220;<strong>Risk Merkezi<\/strong>&#8220;) d\u00f6viz kredisi olarak bildirilecek. Uygunluk \u015fartlar\u0131 sa\u011flanm\u0131yor ise s\u00f6z konusu bedeller banka taraf\u0131ndan sahiplerine iade edilecek.<\/p>\n<p><em>Paya\/Sermayeye D\u00f6n\u00fc\u015ft\u00fcr\u00fclebilir Krediler<\/em><\/p>\n<p>T\u00fcrkiye&#8217;de yerle\u015fik ki\u015filer ile yurt d\u0131\u015f\u0131nda kurulu giri\u015fim sermayesi fonlar\u0131 aras\u0131nda d\u00f6viz cinsinden akdedilen paya d\u00f6n\u00fc\u015ft\u00fcr\u00fclebilir kredi s\u00f6zle\u015fmeleri kapsam\u0131nda, T\u00fcrkiye&#8217;de yerle\u015fik ki\u015finin hesab\u0131na transfer edilen yabanc\u0131 para mebla\u011flar, d\u00f6viz kredisi kullan\u0131m k\u0131s\u0131tlamalar\u0131na tabi olmayacak. Ancak bunun i\u00e7in ilgili s\u00f6zle\u015fmede<\/p>\n<ul>\n<li>ilgili mebla\u011f\u0131n transfer tarihinden itibaren azami 12 ay i\u00e7erisinde sermayeye eklenece\u011fi,<\/li>\n<li>\u015firketin infisah\u0131 veya tasfiyesi haricinde s\u00f6z konusu tutarlar\u0131n sermayeye eklenece\u011fi (bor\u00e7 olarak geri \u00f6denmeyece\u011fi),<\/li>\n<li>transfer edilen tutar\u0131n tamam\u0131n\u0131n sermayeye eklenece\u011fine<\/li>\n<\/ul>\n<p>ili\u015fkin h\u00fckm\u00fcn bulunmas\u0131 gerekecek.<\/p>\n<p>Krediyi kullanan, arac\u0131 bankaya s\u00f6zle\u015fmeyi, daha \u00f6nce bu kapsamda sermayeye d\u00f6n\u00fc\u015ft\u00fcrmeksizin fon kullanmad\u0131\u011f\u0131na ili\u015fkin yaz\u0131l\u0131 beyan ve s\u00f6zle\u015fme konusu tutar\u0131n sermayeye azami 12 ay i\u00e7inde eklenece\u011fine dair taahh\u00fct ile birlikte ibraz edecektir.<\/p>\n<p>Arac\u0131 banka, s\u00f6zle\u015fmede, yukar\u0131da bahsi ge\u00e7en \u015fartlar\u0131n sa\u011flan\u0131p sa\u011flanmad\u0131\u011f\u0131n\u0131 kontrol edecek. Bunun yan\u0131 s\u0131ra banka, kredi kullanandan giri\u015fim sermayesi fonunun ilgili \u00fclke mevzuat\u0131na uygun olarak kuruldu\u011funun tevsikini de isteyecek.<\/p>\n<p>Transfer tarihinden itibaren 12 ay i\u00e7inde, sermaye art\u0131r\u0131m\u0131 i\u00e7in gerekli belgelerin ibraz edilmemesi halinde, arac\u0131 Banka Hazine ve Maliye Bakanl\u0131\u011f\u0131&#8217;na bildirimde bulunacak ve ilgili tutar\u0131, \u015firketin d\u00f6viz kredisi bakiyesine ekleyerek Risk Merkezi&#8217;ne bildirecek. Ayr\u0131ca, krediye d\u00f6n\u00fc\u015fen tutar TCMB \u0130statistik Genel M\u00fcd\u00fcrl\u00fc\u011f\u00fc&#8217;ne de bildirilecek.<\/p>\n<p>S\u00f6zle\u015fme kapsam\u0131nda T\u00fcrkiye&#8217;de yerle\u015fik ki\u015fiye transfer edilen bedelin sermayeye ilave edilmeksizin kullan\u0131lmas\u0131 halinde ilgili yerle\u015fik ki\u015fi taraf\u0131ndan istisnadan faydalan\u0131larak sermayeye d\u00f6n\u00fc\u015ft\u00fcr\u00fclebilir kredi kullan\u0131lamayacak.<\/p>\n<p><em>Yat\u0131r\u0131m Te\u015fvik Belgesi Kapsam\u0131nda Kredi Kullan\u0131m\u0131<\/em><\/p>\n<p>Genelge uyar\u0131nca, yat\u0131r\u0131m te\u015fvik belgesi (&#8220;<strong>YTB<\/strong>&#8220;) kapsam\u0131nda kredi alan T\u00fcrkiye&#8217;deki yerle\u015fik ki\u015filer, d\u00f6viz geliri \u015fart\u0131na ba\u011fl\u0131 olmaks\u0131z\u0131n d\u00f6viz kredi kullanabilmektedir. De\u011fi\u015fiklik uyar\u0131nca, ayn\u0131 YTB \u00e7er\u00e7evesinde daha \u00f6nceden faiz destekli TL kredi kullan\u0131lm\u0131\u015f ise d\u00f6viz cinsinden kredi kulland\u0131r\u0131m\u0131 a\u015fa\u011f\u0131daki gibi hesaplanacak:<\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"81\">Azami Tutar<\/td>\n<td width=\"19\">&#8211;<\/td>\n<td width=\"96\">Kulland\u0131r\u0131lan TL kredi tutar\u0131<\/td>\n<td width=\"23\">=<\/td>\n<td width=\"99\">D\u00f6viz cinsinden kredi kulland\u0131r\u0131m\u0131 yap\u0131labilecek tutar<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Azami tutar,<\/p>\n<ul>\n<li>YTB&#8217;de yabanc\u0131 kaynak tutar\u0131 yer al\u0131yor ise belirtilen yabanc\u0131 kaynak tutar\u0131,<\/li>\n<li>YTB&#8217;de \u00f6zkaynak tutar\u0131 yer al\u0131yor ise toplam yat\u0131r\u0131m tutar\u0131ndan \u00f6zkaynak tutar\u0131 d\u00fc\u015f\u00fclerek hesaplanacak tutar<\/li>\n<\/ul>\n<p>\u015feklinde hesaplanacak.<\/p>\n<p>Arac\u0131 banka, daha \u00f6nce kulland\u0131r\u0131lan TL kredi tutar\u0131n\u0131 Te\u015fvik Uygulama ve Yabanc\u0131 Sermaye Genel M\u00fcd\u00fcrl\u00fc\u011f\u00fc E-TUYS bilgi sistemi \u00fczerinden sorgulayacak. Bunun yan\u0131 s\u0131ra, ayn\u0131 YTB kapsam\u0131nda faiz destekli olanlar haricinde ba\u015fka bir TL kredi kullan\u0131p kullan\u0131lmad\u0131\u011f\u0131n\u0131n tespiti amac\u0131yla, kredi alandan, kullan\u0131m varsa bu kullan\u0131m tarih ve tutarlar\u0131n\u0131 da i\u00e7erecek \u015fekilde yaz\u0131l\u0131 beyan al\u0131nacak. Kredi kullanan, bir tutar beyan ederse s\u00f6z konusu tutar azami tutardan d\u00fc\u015f\u00fclecek.<\/p>\n<p><em>Muhtemel D\u00f6viz Gelirine Binaen Kullan\u0131lan Krediler<\/em><\/p>\n<p>De\u011fi\u015fiklik uyar\u0131nca, muhtemel d\u00f6viz gelirlerine dayal\u0131 olarak kullan\u0131lan d\u00f6viz kredilerinde vade s\u0131n\u0131rlamas\u0131 olmayacak.<br \/>\nMuhtemel d\u00f6viz gelirleri kapsam\u0131nda ayn\u0131 mali y\u0131l i\u00e7inde, ihracat ile d\u00f6viz kazand\u0131r\u0131c\u0131 hizmet ve faaliyetlerine ili\u015fkin ba\u011flant\u0131lar\u0131n tevsiki kayd\u0131yla birden fazla kredi kulland\u0131r\u0131labilecek.<\/p>\n<p>Muhtemel d\u00f6viz gelirleri kapsam\u0131nda m\u00fckerrer belge kullan\u0131m\u0131n\u0131n \u00f6nlenmesi amac\u0131 ile Vergi Resim ve Har\u00e7 \u0130stisnas\u0131 Belgesi veya Dahilde \u0130\u015fleme \u0130zin Belgesi \u00fczerine, kulland\u0131r\u0131lan kredi miktar\u0131 kadar \u015ferh d\u00fc\u015f\u00fclecek.<\/p>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>De\u011fi\u015fiklik ile d\u00f6viz kredi yasa\u011f\u0131na yeni ve \u00f6nemli istisnalar getirilirken; sermaye avans\u0131na benzer bir kavram, en az\u0131ndan yurt d\u0131\u015f\u0131ndan getirilen d\u00f6viz mebla\u011flar bak\u0131m\u0131ndan devreye al\u0131nd\u0131.<\/p>\n<p><strong>COVID-19 salg\u0131n\u0131 ile ilgili hukuki d\u00fczenlemelerle ilgili bilgilere <\/strong><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=ZE9tY0p0YUNLTmt4TkhVeXF4UFNPUkgwV2ZmSlhhY2JReVpjY0xNbldLYmFoVllNV25zRHUzZnVhd0dTQS9sWGZKSHM4a0Rqc3R4V2d2Ym1FcmJpNVFCbWtmU05kTU5j&amp;rh=ff005f13e061a310c0e56622ef41bd806c46eb5c__;!!Hj9Y_P0nvg!AsO5e9VQh8Zoqx5O5JiylnO7xIep-89L7TO3OWYTi_MUr391q6BB5z8Xdqj7jUAaxerrcw$\"><strong>Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131 Coronavir\u00fcs Masas\u0131<\/strong><\/a><strong>&#8216;ndan ula\u015fabilirsiniz.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fme T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&#8220;TCMB&#8220;), Sermaye Hareketleri Genelgesi&#8217;nde, 11 May\u0131s 2020 tarihinde d\u00f6viz kredisi kullan\u0131m s\u0131n\u0131rlamalar\u0131na ili\u015fkin \u00e7e\u015fitli [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","footnotes":""},"categories":[120,149],"tags":[90],"class_list":["post-16420","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","category-covid-19-tr","tag-banking-finance-tr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>D\u00f6viz Kredisi Yasa\u011f\u0131nda Yeni ve Ciddi 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