Automotive Sub-Sector Support Package

Garanti's Support for the Automotive Sector
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Garanti's Automotive Sub-Sector Package offers loans with terms up to 60 months to provide financing for the automotive sub-industry. The repayment of the loans within the Automotive Sub-Sector Package can be structured as grace period between the months of August-November when the cash-flow is relatively low, and equal installment payments in the remaining months.

  • Loans

    Flexible Payment Loans (TL/Foreign Currency)

    The repayment of the loan, offered with terms up to 60 months, can be structured as grace period in the months of August, September, October and November when the cash-flow is relatively low in the automotive sector, and equal installment payments in the remaining months. Thus, the loan enables you to plan your cash flow up to 60 months.

    Investment and Support Loans (TL/Foreign Currency)

    The Commercial loans provided for the Automotive Sub-Sector with terms up to 60 months are available in 3 repayment options for you to select the most suitable one:

    • Equal monthly installments
    • 6-month grace period, equal monthly payments starting from the 7th month.
    • For those who don't prefer the 6-month grace period alternative, option to make quarterly payments.

    Commercial Loans (TL/Foreign Currency)

    You can take advantage of revolving credit, spot loan and discount loan products to meet the short-term cash need of your company. Additionally, you can take advantage of loans with terms up to 60 months, equal payments and a 3-month grace period. 

    SME Support Loans (TL/Foreign Currency)

    You can take advantage of machinery renewal, business premises renovation and technology development loans with terms up to 60 months.

  • Services

    Overdraft Account

    Overdraft Account is a deposit account with overdraft feature that you can use to pay your bills and withdraw cash advance. The interest of the credit you use over the course of one month is calculated based on the duration it is used and debited from your account the following month. Additionally, when you deposit money into your account, your debt is automatically paid off. Your overdraft account is always available for your payments, even if you don't have money in your deposit account.

    Letters of Guarantee

    By placing a request through your branch, you can pick up the TL or foreign currency letters of guarantee that your company needs from any Garanti Branch. No matter what the letter is for, purchase of goods, customs transactions, VAT, tender, Eximbank, security deposits, rental deposit, and whether it is temporary or permanent, you can pick up your letters of guarantee from any of our widespread network of branches and avoid any interruptions in your production.

    Company Credit Card and Bonus Business

    You can keep the purchases that you and your employees will make on behalf of your company with a company credit card that you can assign separate and independent limits for each user. If you select Bonus Business as your company credit card, you can earn bonus on your company expenditures, and if you select Shop&Miles, you can earn miles.

    POS

    You can take advantage of the POS terminals offered in the Automotive Sub-Sector Support Package to regularly and easily keep track of your cash flow and to increase your sales. With a POS terminal, you can increase your sales as a Bonus Merchant Partner. With a Virtual POS, you can collect payment of your online sales. Additionally, you can take advantage of commission and blockage rates suitable for your sector, and by putting up your POS receivables as collateral, you can use overdraft or take out a loan at more favorable interest rates.

    SME Pension Plan

    With our exclusive pension plan for SMEs, the SME Pension Plan, you can enroll in the private pension system and secure your and your family's future.

    • If you make your contribution payments with Bonus Card, you can earn 1% bonus and transfer your accumulated bonus to your pension account if you wish.
    • If you select the Flexi Pension Package, you can earn 4% bonus on every contribution payment you make and transfer your accumulated bonus to your pension account if you wish.
    • If you make your contribution payments with your Shop&Miles card, you earn 1 extra mile for each TL 6.

    Other Services

    • Factoring-leasing, with the cooperation of Garanti Factoring and Garanti Leasing.
    • Checkbook in TL or foreign currency issued in your or your company' name.
    • Standing payments and automatic bill payments.
    • Check integration and Logo Business, compatible with your accounting system.
    • Tax, SSK collections and online Bağ-Kur payments.
    • Foreign exchange transfers, foreign exchange buy/sell transactions.
    • Collateral support through collaboration with the Credit Guarantee Fund.
    • Detailed information and assistance via Internet Banking, www.kobigaranti.com and 444 KOBİ – 444 5624.
  • Rates and Fees
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    Product 3 months 6 months 9 months 12 months 18 months 24 months 36 months 48 months 60 months 96 months 120 months 240 months
    Corporate Loan1,651,651,651,651,651,651,651,651,75---
    Consumer Finance Loan****1,391,391,391,391,391,391,391,39----
    Business Premises Loan***1,361,361,361,361,361,361,361,361,361,401,40-
    Auto Loan*1,441,441,441,441,441,441,441,441,44---
    Chambers of Tradesmen and Commerce1,601,601,601,601,601,601,601,601,60---
    Support Packages1,601,601,601,601,601,601,601,601,60---
    Traktör Kredisi**1,701,701,701,701,701,701,701,701,70---
    Women Entrepreneur1,451,451,451,451,451,451,43-----
    • 1

    Last Update : 10/12/2016 05:43

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    Product 3 months 6 months 9 months 12 months 18 months 24 months 36 months 48 months 60 months 96 months 120 months 240 months
    Corporate Loan1,151,151,151,151,151,151,151,151,151,151,15-
    Business Premises Loan***0,690,690,690,690,680,680,680,730,730,85--
    Auto Loan*1,151,151,151,151,151,151,151,151,15---
    Chambers of Tradesmen and Commerce0,900,900,900,900,900,90------
    Support Packages1,001,001,001,001,001,001,001,001,00---
    Women Entrepreneur1,001,001,001,001,001,001,001,001,00---
    • 1

    Last Update : 10/12/2016 05:43

    Open/Close Panel

    null

    Product 3 months 6 months 9 months 12 months 18 months 24 months 36 months 48 months 60 months 96 months 120 months 240 months
    Corporate Loan1,151,151,151,151,151,151,151,151,15---
    Business Premises Loan***0,740,740,740,740,750,750,760,800,800,87--
    Auto Loan*1,151,151,151,151,151,151,151,151,15---
    Chambers of Tradesmen and Commerce0,850,850,850,850,850,85------
    Support Packages1,001,001,001,001,001,001,001,001,00---
    Women Entrepreneur1,001,001,001,001,001,001,001,001,00---
    • 1

    Last Update : 10/12/2016 05:43

    * Our customers who purchase the casco of the vehicle to be bought from Eureko will qualify for a 0,05% discount on the TL Auto Loan interest rate.
    ** On tractor loans, the interest rate with quarterly or semiannual payments is 2,15 and the interest rate with annual payments is 2,20.
    *** On business premises loans, a commission rate of up to 1% is collected from the customer. 
    **** Available up to 50% of the appraisal value (maximum of USD 250.000).
    ***** Foreign currency indexed business premises loans are only available for loans that are for usage purposes and for properties that are offices and business premises. Foreign currency indexed business premises loans cannot be used by real persons in the purchase of business premises for investment purposes.

     

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