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Interest and Dividend Support in the Investment Incentive System

🏦 State Power in Investment Financing: What is Interest and Profit Share Support?

The interest and profit share support offered under the new investment incentive system is an important financial incentive element that ensures a certain portion of the investment loan an investor receives from a bank or financial institution is covered by the state. This support is implemented to alleviate the financing burden, especially in long-term investments.

The support is valid for Turkish Lira loans with at least a one-year maturity used within the scope of the investment incentive certificate and is only applied to the loan amount used for expenditures related to the investment itself.

Support Amount and Rates (By Program)

The interest or profit share support is applied at varying rates and amounts depending on the nature of the investment and the incentive program. Below are the maximum support limits for some programs:

Incentive Program Maximum Support Limit Important Notes / Rates
💡 Technology Move Program 20% of the fixed investment, up to a maximum of 240 Million TRY The support rate can be up to 40% of the policy rate. This is the support with the highest limit.
🗺️ Local Development Move Program 20% of the fixed investment, up to a maximum of 240 Million TRY It offers a high financing advantage for investments that mobilize regional potential.
🎯 Strategic Move Program 15% of the fixed investment, up to a maximum of 180 Million TRY It facilitates the financing of large-scale, critical projects.
⭐ Priority Investments 10% of the fixed investment, up to a maximum of 24 Million TRY Generally applied in the 4th, 5th, and 6th regions.
🏭 Target Investments 10% of the fixed investment, up to a maximum of 12 Million TRY Valid only in the 4th, 5th, and 6th regions.

Note: The interest support is calculated based on the CBRT policy interest rate and is applied at rates that vary from program to program.

In Which Regions is it Valid and Who Cannot Benefit?

🗺️ Regional Application

Interest and profit share support is mostly applied to investments in the 4th, 5th, and 6th regions. This support is generally not offered in the 1st, 2nd, and 3rd regions. Additionally, the province of Istanbul is excluded. Apart from this, in some special cases such as the Türkiye Century Development Move programs, the support can be applied without regional restrictions.

🚫 Who Cannot Benefit?

One cannot benefit from the interest and profit share support in the following cases:

  • If the investment loan was used outside the scope of the incentive certificate,

  • If the loan installments have not been paid or are in default,

  • If machinery support has also been received for the same investment (the two cannot be used together),

  • If operating in sectors excluded from the support (e.g., electricity generation and distribution).

What is Required to Benefit from the Support?

  1. Obtaining the Incentive Certificate: First, an incentive certificate must be obtained for the investment, and it must be ensured that "Interest/Profit Share Support" is among the support elements of the certificate.

  2. Using an Eligible Loan: The loan must be obtained from a bank or financial institution in TRY with a maturity of at least 1 year for investment expenditures.

  3. Application to the Ministry: An application is made to the Ministry of Industry and Technology (via E-TUYS) with the loan agreement and payment plan.

  4. Support Payment: After Ministry approval, the support payment is generally made once a year, parallel to the loan installments.

  5. Maximum Duration: The investor can benefit from this support for a maximum of 5 years during the investment period.

Smart Financing for Your Investment

Interest and profit share support is one of the most powerful investment financing supports offered by the state. If you plan to finance your investment with a loan and your project is in an eligible program, you can both reduce your credit costs and make your investment more sustainable by benefiting from this support.

Contact our expert team to establish the most suitable credit and support structure for your investment, manage the application process flawlessly, and fully benefit from this important financial advantage.