Dijital kredi kullanan t\u00fcketicilerin say\u0131s\u0131 h\u0131zla art\u0131yor. Online kredi kar\u015f\u0131la\u015ft\u0131rma platformlar\u0131ndan yap\u0131lan sorgu say\u0131s\u0131 son 5 y\u0131lda y\u00fczde 120 art\u0131\u015f g\u00f6sterdi. En \u00e7ok ihtiya\u00e7 kredisi i\u00e7in kar\u015f\u0131la\u015ft\u0131rma yap\u0131l\u0131rken, t\u00fcketiciler y\u00fczde 10 daha ucuza kredi bulabiliyor.<\/p>\n
Vatanda\u015flar bor\u00e7 almak i\u00e7in geleneksel bankac\u0131l\u0131k se\u00e7eneklerine alternatif olarak fintech olarak adland\u0131r\u0131lan online kar\u015f\u0131la\u015ft\u0131rma platformlar\u0131na y\u00f6neliyor. \u00d6zellikle bankalararas\u0131 kredi faiz oranlar\u0131nda g\u00f6r\u00fclen farklar nedeniyle, t\u00fcm bankalar\u0131n faiz oranlar\u0131n\u0131 ayn\u0131 anda kar\u015f\u0131la\u015ft\u0131rabilen platformlar, \u00f6nemli bir maliyet avantaj\u0131 sundu\u011fu belirtiliyor. Hesapkurdu.com\u2019un ziyaret\u00e7i analizine g\u00f6re, son 5 y\u0131lda T\u00fcrkiye\u2019de online kredi kar\u015f\u0131la\u015ft\u0131rma say\u0131s\u0131 y\u00fczde 120 artarak ayl\u0131k ortalama 1,5 milyon sorguya ula\u015ft\u0131. En y\u00fcksek art\u0131\u015f y\u00fczde 140\u2019la ihtiya\u00e7 kredilerinde ya\u015fan\u0131rken, online kredi kar\u015f\u0131la\u015ft\u0131rmalar\u0131nda konut kredileri y\u00fczde 130, ta\u015f\u0131t kredileriyse y\u00fczde 50 art\u0131\u015f g\u00f6sterdi. Kullan\u0131c\u0131lar, 2019\u2019un ba\u015f\u0131ndan bu yana toplamda 8 milyonu a\u015fk\u0131n kredi kar\u015f\u0131la\u015ft\u0131rmas\u0131 yaparak yeni bir rekora imza att\u0131. Yakalanan bu ivmenin, online kredi kar\u015f\u0131la\u015ft\u0131rma platformlar\u0131n\u0131n geleneksel bankac\u0131l\u0131k faaliyetlerindeki rol\u00fcn\u00fc yak\u0131n zamanda daha da art\u0131rmas\u0131 bekleniyor.<\/p>\n
Dijital kredide en \u00e7ok talep ihtiya\u00e7 kredisine<\/p>\n
Kredi hesaplama sitesi Hesapkurdu.com\u2019a g\u00f6re, kullan\u0131c\u0131lar y\u00fczde 50 oranla en \u00e7ok ihtiya\u00e7 kredisi kar\u015f\u0131la\u015ft\u0131rmas\u0131 yaparken, y\u00fczde 40 oran\u0131nda konut kredisi sorguluyor. S\u00f6z konusu ara\u015ft\u0131rmalar sonras\u0131nda dijital platformlar \u00fczerinden yap\u0131lan kredi talebinde ise y\u00fczde 80 ile ihtiya\u00e7 kredisi \u00f6nde.<\/p>\n
Kredi faizlerinde bankalararas\u0131 makas a\u00e7\u0131l\u0131yor<\/p>\n
Global piyasalardaki dalgalanmalar, para politikalar\u0131, enflasyon ve bir\u00e7ok farkl\u0131 etken kredi faizlerinde de\u011fi\u015fkenli\u011fe yol a\u00e7\u0131yor. Kredi faizlerinin yan\u0131 s\u0131ra taban ve tavan faiz oranlar\u0131 aras\u0131ndaki makas\u0131n da gittik\u00e7e a\u00e7\u0131ld\u0131\u011f\u0131n\u0131 belirten Hesapkurdu.com Kurucu Orta\u011f\u0131 Onur Tekinturhan, “\u0130htiya\u00e7 kredilerinde en y\u00fcksek ve en d\u00fc\u015f\u00fck faiz aras\u0131ndaki fark 2016 y\u0131l\u0131nda y\u00fczde 15 iken i\u00e7inde bulundu\u011fumuz Haziran ay\u0131nda bu fark y\u00fczde 70\u2019e ula\u015ft\u0131. Daha a\u00e7\u0131k ifade etmek gerekirse, t\u00fcketiciler kredi \u00e7ekece\u011fi zaman daha d\u00fc\u015f\u00fck faiz sunan bir banka her zaman bulunabilir” dedi.<\/p>\n
“Ayn\u0131 kredi i\u00e7in binlerce lira fazla geri \u00f6deme yapmay\u0131n”<\/p>\n
Bankalar\u0131n sundu\u011fu kredi faizleri aras\u0131ndaki fark\u0131n do\u011frudan t\u00fcketiciye yans\u0131d\u0131\u011f\u0131n\u0131 belirten Onur Tekinturhan, “T\u00fcketicilerin ayn\u0131 tutar i\u00e7in \u00f6demeleri gereken miktar\u0131n ciddi oranda farkl\u0131la\u015ft\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz. \u00d6rne\u011fin 10 bin liral\u0131k ihtiya\u00e7 kredisi kullanmak ve 60 ayda geri \u00f6demek isteyen bir t\u00fcketiciye, bir banka 18 bin liral\u0131k di\u011feri 22 bin 500 liral\u0131k maliyet \u00e7\u0131karabiliyor. Bankalar aras\u0131nda kar\u015f\u0131la\u015ft\u0131rma yaparak sizin i\u00e7in en uygun krediyi se\u00e7ebilir, y\u00fczde 22\u2019ye varan tasarruf sa\u011flayabilirsiniz\u201d ifadelerini kulland\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"
D\u0130J\u0130TAL KRED\u0130 KULLANAN T\u00dcKET\u0130C\u0130LER\u0130N SAYISI HIZLA ARTIYOR. ONL\u0130NE KRED\u0130 KAR\u015eILA\u015eTIRMA PLATFORMLARINDAN YAPILAN SORGU SAYISI SON 5 YILDA Y\u00dcZDE 120 ARTI\u015e G\u00d6STERD\u0130. EN \u00c7OK \u0130HT\u0130YA\u00c7 KRED\u0130S\u0130 \u0130\u00c7\u0130N KAR\u015eILA\u015eTIRMA YAPILIRKEN, T\u00dcKET\u0130C\u0130LER Y\u00dcZDE 10 DAHA UCUZA KRED\u0130 BULAB\u0130L\u0130YOR.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[19],"tags":[6695,1726,42609,2640],"class_list":["post-175033","post","type-post","status-publish","format-standard","hentry","category-ekonomi","tag-dijital","tag-ilgi","tag-kredilere","tag-yogun"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-Jx7","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/175033","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/comments?post=175033"}],"version-history":[{"count":0,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/175033\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=175033"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=175033"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=175033"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}