Ziraat Bank Smart Irrigation Loan
Ziraat bank smart irrigation loan, provides credit for irrigation systems used to take water from the source and distribute it within the field in cases where the water required for plant growth cannot be met by natural precipitation. These systems include drip irrigation, sprinkler, or micro-sprinkler systems and technological systems used to make these systems automatic.
Ziraat Bank Irrigation Loan Features
Choosing traditional agricultural irrigation methods prevents the effective use of water resources, leading to soil erosion and losses. However, the use of modern pressurized irrigation systems and managing these systems automatically reduces water use by providing as much water as the plant needs and lowers the irrigation costs of farmers. Ziraat Bank offers the Savings Irrigation Loan to our farmers in order to contribute to the more effective use of our country's water resources and to help farmers acquire modern pressurized irrigation systems and their automation under favorable conditions. Ziraat bank irrigation loan features:
Loan Conditions:
- Farmers will have the entire interest of the loans they will use to purchase domestically produced irrigation systems covered by the Ministry of Treasury and Finance.
- No commission will be requested from the loans.
- The loan term will be 5 years.
- Loan upper limit 15,000,000 TL.
Who Can Benefit:
- Farmers who own vineyards, gardens, and fields registered in the Farmer Registration System (ÇKS) will be able to benefit from the loan.
Loan Scope:
- The loan will include all machinery, automation technologies, equipment, and apparatus costs from taking the water from the source to its distribution to the agricultural land, as well as irrigation equipment such as drip irrigation and sprinkler systems.
Payment Conditions:
- Producers will not need their own equity; loans will be provided for up to the full invoice amount.
- A 100 percent interest subsidy will be applied to the loan to be used for purchasing domestically produced irrigation systems, so producers will not pay interest.
How to Get a Ziraat Bank Irrigation Loan?
Required Documents for Individuals:
- Identity card
- Farmer Certificate/ÇKS Certificate
- Documents documenting the agricultural enterprise (title deed record, lease contract, etc.)
- Documents regarding the collaterals to be shown against the loan
- Balance sheet and income statement for the last three years from enterprises operating on a balance sheet basis
Required Documents for Legal Entities:
- Farmer Certificate/ÇKS Certificate
- Trade Registry Gazette where the articles of association of the legal entity (and any changes, if any) were published
- Chamber registration certificate
- Tax plate
- Decisions regarding the representation authority of persons authorized to represent the legal entity and notarized signature circulars
- Balance sheet and income statement for the establishment and/or the last year for newly established legal entities, and for at least the last three years for others
- Documents documenting the agricultural enterprise (title deed record, lease contract, etc.)
- Documents regarding the collaterals to be shown against the loan
Modern pressurized irrigation systems reduce costs while also providing significant yield increases. Making the use of these systems more widespread and especially ensuring their automation, the use of smart irrigation systems including remote monitoring and management capabilities, can provide significant contributions to protecting water resources. Additionally, this approach reduces costs. May the irrigation loan offered by Ziraat Bank be beneficial to the entire agricultural sector and farmers. We encourage producers considering investing in this field to apply to Ziraat Bank branches.
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