Ana Sayfa / KREDİLER / Tarım Kredisi / Devlet Destekli Tarım Kredisi Nasıl Alınır?

Devlet Destekli Tarım Kredisi Nasıl Alınır?

Merhaba bu makalemiz de sizlere Devlet Destekli Tarım Kredisi Nasıl Alınır? hakkında bilgi vereceğim.

Devlet Destekli Tarım Kredisi

Tarımla uğraşan çiftçilerin karşı karşıya kalabileceği riskler ve uğrayacağı zararların tazmini için 2005 yılında Tarım Sigortaları Kanunu çıkarılmıştır. Kuraklık, sel, dolu gibi olağanüstü durumlara yönelik tarımsal ürünler sigortalanmaktadır. Tarım sigortası kapsamındaki tüm sigortalar tarım sigortaları havuzunda toplanmakta ve olası giderler bu havuz üzerinden tazmin edilmektedir.

Tarım Sigortası Çeşitleri Nelerdir?

Tarım sigortası kapsamında yer alan tarım sigortası çeşitleri şu şekildedir:

Sera Sigortası

Serayı yangın, dolu, sel ve Kar ağırlığı gibi riskli durumlara karşı korumak amacıyla sera ile ilgili teknik malzemelerin ve iskeletin sigortalanmasına sera sigortası adı verilir.

Bitkisel Ürünlerin Sigortası

Meyve ve sebze ile çiçeklerin yağmur, kar ve dolu gibi dış etkenlere karşı sigortalanmasına imkan veren bitkisel ürün sigortası istenmesi halinde dolu ve örtü sistemlerine de ek poliçe kesilebilmektedir.

Kümes Hayvanları Sigortası

Kümes hayvanlarını hastalıklara, zehirlenmelere, yangın ve doğal afetlere karşı korumak amacıyla yapılan sigortadır.  Bu sebeplerle ortaya çıkan tüm zararlar sigorta kapsamındadır.

Büyükbaş Hayvan Sigortası

Küçükbaş hayvanları hastalık, gebelik, cerrahi müdahale sonrasında ortaya çıkan ölüm halleri, zehirlenme ve yangın gibi pek çok olumsuz duruma karşı koruyan sigorta çeşididir.  Manda ve sığır bu kapsamdadır.

HAYVANCILIK KREDİSİ NASIL ALINIR ? – KONUYA GİTMEK İÇİN TIKLA

Küçükbaş Hayvan Sigortası

Keçi, koç ve koyun gibi küçükbaş hayvanları ölüm, hastalık ve gebelik risklerine karşı korumakta ve herhangi bir sorunla karşı karşıya kalınması halinde üreticinin zararlarını tazmin etmektedir.

Arıcılık Sigortası

Arı kovanlarını veya arıları yangın, heyelan, hayvan saldırısı gibi olağanüstü durumlara karşı koruyan sigorta türüdür.

Su Ürünleri Sigortası

Denizde veya su tesislerinde yetiştirilen tüm su ürünlerini kapsayan sigorta türüdür.  Bu sigorta yetiştiricilerin kendi kontrolleri dışında meydana gelen afet, zehirlenme ve kirlenmeden kaynaklanan ölüm ve kayıpları tazmin etmek için kullanılmaktadır.

Kuraklık Verimi Sigortası

Bu sigorta türü ancak Bakanlar Kurulu kararıyla belirlenen ilçelerde arpa ve yulaf gibi sertifikalı ürünlerde meydana gelecek kuraklık, don veya aşırı yağış gibi zararları tazmin etmede kullanılmaktadır.

Tarım Sigortası Nasıl Yapılır?

Tarım sigortasından dilediğinizi yaptırmak için öncelikle üretici sistemine kayıt olmak gerekmektedir.  İlgili olduğunuz kategori sistemine tanım işlemi yapıldıktan sonra sigorta kayıt işlemleri tamamlanmaktadır.  Çiftçinin çiftçi kayıt bilgileri güncellendikten sonra istediği sigorta şirketine veya bankaya başvurarak poliçelisini oluşturabilmektedir. Yapılacak olan tüm değerlendirmelerin ardından poliçeye son şekil verilmekte ve imzalar atılmaktadır.

Poliçe netleştikten sonra ödenmesi gereken primin ne kadar olduğu da belirlenmektedir.   Poliçede belirtilen tutarların don teminatının %66’lık kısmı, diğer teminat türlerinde ise %50’lik kısmı devlet tarafından ödenmektedir.  Sigorta yaptıran kişi kendi payına düşen tutarın %25’ini peşin geri kalanının ise hasat tamamlanınca ödeyebilmektedir.

Tarım Sigortası Ödemesi

Arıcılık, sera ve hayvancılık faaliyetlerinde ise %25’lik kısmı peşin geri kalan kısım ise 5 taksitte ödenmektedir.

Hakkında FİNANS BLOG

Finans ve banka alanında bilgili bir profil ile sizlere hizmet veren ekip. finansblog.gen.tr

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