Discount-Declaration Loan

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Product Description :

Discount-Negotiation Loans are a loan product that allows you to convert your outstanding checks and promissory notes from commercial transactions into cash. To meet your cash needs, you can discount your outstanding checks and promissory notes with high collectibility, meeting your cash needs without waiting for the due date.

The remaining balance is paid after deducting interest, commissions, and legal deductions such as KKDF (Resource Utilization Support Fund) and BSMV (Banking and Insurance Transactions Tax) from the check and promissory note amount up to the maturity date. If the payment for a commercial check or promissory note is made within the municipality, it is called a "Discount Credit"; if it is made outside the municipality, it is called a "Negotiation Credit." After the loan process is completed, the owner of the check or promissory note becomes Q Yatırım Bankası A.Ş. (Q Yatırım Bankası A.Ş.). The owner of the check or promissory note cannot claim any rights over the check or promissory note after the loan process is completed.

Benefits :

To meet your cash needs, you can discount your checks and promissory notes that have a high collectibility and are not yet due, and meet your cash needs without waiting for maturity.