New Era in Halkbank Artisan Loans and Debt Payment Conditions

Significant changes have been made to the terms of Treasury-supported artisan loans provided through Halkbank. With the regulation published in the Official Gazette dated August 27, 2026, the loan channel is not completely closed for artisans who have tax or social security (SSI) debts; instead, a portion of the debt is allowed to be transferred directly from the loan to the public sector, and interest discount rates have been re-determined.

Conditions Changed by Official Gazette Decision

A new era has begun for Treasury interest-supported loans used by artisans and craftsmen, and the conditions for investment and operating loans provided through Halkbank have been updated.

With the Presidential Decree published in the Official Gazette dated August 27, 2026, new provisions regarding artisan loans entered into force.

A New Path for Those with Tax and SSI Debts

The loan process has been eased for artisans with tax or social security premium debts, allowing a specific portion of the debt to be covered directly from the loan.

Within this scope, the amount to be allocated can be at most 25% of the loan, and the money will be transferred directly to the relevant public institution without being given to the artisan.

Annual Limit on Public Debt Payments

The total amount that can be transferred by the bank to the public debt on behalf of the artisan cannot exceed 300,000 TL in a single year, regardless of the loan size.

After the public debt is paid, the remaining loan amount will be made available to the artisan, and the requirement that the payment plan for structured debts has not been disrupted will continue to be sought.

Regulation on Interest Discount Rates

Interest discount rates on Treasury interest-supported artisan loans provided through Halkbank have been restructured and reduced.

With the regulation, the rate of 50% was lowered to 40%, the rate of 100% to 80%, and the rate of 60% to 48%.