\u0130htiya\u00e7 kredisi faiz oranlar\u0131 Hesapkurdu.com verilerine g\u00f6re Ekim ay\u0131nda ge\u00e7ti\u011fimiz y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 45 d\u00fc\u015ferek, y\u00fczde 2\u2019den y\u00fczde 1,10 seviyelerine kadar geriledi. Son 1 y\u0131l\u0131n en d\u00fc\u015f\u00fck faiz oranlar\u0131 g\u00f6r\u00fcl\u00fcrken, bu d\u00fc\u015f\u00fc\u015f kredi bor\u00e7lar\u0131n\u0131 yap\u0131land\u0131rmak isteyenler i\u00e7in b\u00fcy\u00fck avantaj sunuyor.<\/p>\n
T\u00fcrkiye Bankalar Birli\u011fi (TBB) verilerine g\u00f6re k\u0131sa vadeli ve d\u00fc\u015f\u00fck tutarl\u0131 nakit ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in her y\u0131l ortalama 9 milyon ki\u015fi ihtiya\u00e7 kredisine ba\u015fvuruyor. 2018 y\u0131l\u0131n\u0131n ikinci yar\u0131s\u0131nda artan faiz oranlar\u0131 kullan\u0131lan ihtiya\u00e7 kredisi tutarlar\u0131nda y\u00fczde 25\u2019e varan d\u00fc\u015f\u00fc\u015fe neden oldu. Bu y\u0131l ise Ekim ay\u0131nda, ge\u00e7ti\u011fimiz y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 45 oran\u0131nda gerileyen ihtiya\u00e7 kredisi faiz oranlar\u0131, bor\u00e7lar\u0131n\u0131 yap\u0131land\u0131rarak maliyet avantaj\u0131 sa\u011flamak isteyenler i\u00e7in f\u0131rsat sunuyor.<\/p>\n
\u201c\u0130htiya\u00e7 kredilerinde erken \u00f6deme cezas\u0131 yok\u201d<\/p>\n
Kredi bor\u00e7lar\u0131n\u0131n yap\u0131land\u0131r\u0131lmas\u0131 i\u00e7in avantajl\u0131 bir d\u00f6nemden ge\u00e7ildi\u011fini belirten Hesapkurdu.com K\u0131demli \u0130\u015f Analisti Sinan Zeydanl\u0131, \u201c\u00d6rne\u011fin 15 bin TL, 60 ay vade ve ayl\u0131k y\u00fczde 1,90 faiz oran\u0131 ile 6 ay \u00f6nce kredi kullanm\u0131\u015f bir ki\u015fi, ayl\u0131k y\u00fczde 1,18 faiz oran\u0131ndan yeni bir kredi kullanarak mevcut kredisini kapat\u0131rsa; ayn\u0131 ayl\u0131k taksit tutar\u0131 ile vadesini 13 ay k\u0131saltarak yakla\u015f\u0131k 5 bin TL faizden tasarruf edebilir\u201d ifadelerini kulland\u0131. \u0130htiya\u00e7 kredilerinde erken \u00f6deme cezas\u0131n\u0131n olmad\u0131\u011f\u0131n\u0131 da belirten Sinan Zeydanl\u0131, “Mevcut kredinin kapat\u0131lmas\u0131 durumunda herhangi bir ceza \u00f6denmez. Ayr\u0131ca krediye ba\u011fl\u0131 olarak yap\u0131lan hayat, ferdi kaza gibi sigortalar\u0131n kalan g\u00fcn say\u0131s\u0131na g\u00f6re prim iadesi de al\u0131n\u0131r\u201d dedi.<\/p>\n
\u201cKrediler yap\u0131land\u0131r\u0131rken k\u00e2r zarar hesab\u0131 dikkatle yap\u0131lmal\u0131\u201d<\/p>\n
Kredi borcu yap\u0131land\u0131rmalar\u0131nda dikkat edilmesi gereken konular\u0131 aktaran Sinan Zeydanl\u0131, \u201c\u00d6ncelikle, \u00f6denecek toplam tutar \u00fczerinden yeni faiz oran\u0131 ile ayl\u0131k taksitler hesaplanmal\u0131. Sadece faiz oran\u0131 \u00fczerinden de\u011ferlendirme yapmak yan\u0131lmaya sebep olabilir. Kredilerde faiz oran\u0131 d\u0131\u015f\u0131nda kalan masraflar ve toplam maliyet i\u015fin i\u00e7ine kat\u0131ld\u0131\u011f\u0131nda farkl\u0131 sonu\u00e7lar \u00e7\u0131kabilir. Bu nedenle ba\u015fvuru yapmadan \u00f6nce birka\u00e7 banka \u00fczerinden kar\u015f\u0131la\u015ft\u0131rma yapmak en do\u011fru se\u00e7im i\u00e7in yard\u0131mc\u0131 olacakt\u0131r. Hesapkurdu.com bu noktada t\u00fcm m\u00fc\u015fterilerine basit ve anla\u015f\u0131l\u0131r aray\u00fcz\u00fcyle yard\u0131mc\u0131 oluyor\u201d diye konu\u015ftu.<\/p>\n
\u201cKredi bor\u00e7lar\u0131 iki \u015fekilde kapat\u0131labilir\u201d<\/p>\n
\u0130htiya\u00e7 kredisi bor\u00e7lar\u0131n\u0131n hali haz\u0131rda iki \u015fekilde yap\u0131land\u0131r\u0131labildi\u011fini s\u00f6yleyen Sinan Zeydanl\u0131, s\u00fcre\u00e7le ilgili detaylar\u0131 payla\u015ft\u0131: \u201cYap\u0131land\u0131rma se\u00e7eneklerinden ilki, faiz oran\u0131n\u0131 d\u00fc\u015f\u00fcrmek i\u00e7in yap\u0131lan yap\u0131land\u0131rmayken; ikinci y\u00f6ntem, \u00f6demekte zorlan\u0131lan kredi ve kredi kart\u0131 bor\u00e7lar\u0131n\u0131n d\u00fczene sokulmas\u0131 i\u00e7in yap\u0131lan yap\u0131land\u0131rmalard\u0131r. Faizler d\u00fc\u015ft\u00fc\u011f\u00fcnde yap\u0131lan yap\u0131land\u0131rmada, banka krediyi pe\u015fin olarak kapanm\u0131\u015f g\u00f6stererek yeni faiz oranlar\u0131 \u00fczerinden hesaplama yapar ve kredi yeniden vadelendirilir. \u00d6demekte zorlan\u0131lan bor\u00e7lar i\u00e7in yap\u0131lan yap\u0131land\u0131rmada ise kredi ve kredi kart\u0131 bor\u00e7lar\u0131 ve gelir durumunu g\u00f6steren belgeler bankaya iletilir. Bankan\u0131n tahsis birimi de verilen belgelere ve kredi notuna g\u00f6re de\u011ferlendirme yaparak olumlu veya olumsuz d\u00f6n\u00fc\u015f yapar.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"
\u0130HT\u0130YA\u00c7 KRED\u0130S\u0130 FA\u0130Z ORANLARI Y\u00dcZDE 45 D\u00dc\u015eT\u00dc<\/p>\n","protected":false},"author":1,"featured_media":218229,"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":[1613,13196,11370,9235,22381,3480],"class_list":["post-218228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-dustu","tag-faiz","tag-ihtiyac","tag-kredisi","tag-oranlari","tag-yuzde"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.tvturk.com\/wp-content\/uploads\/2019\/10\/ihtiyac-kredisi-faiz-oranlari-yuzde-45-dustu_ead94f5.jpg?fit=1000%2C666","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-ULO","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/218228","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=218228"}],"version-history":[{"count":0,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/218228\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media\/218229"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=218228"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=218228"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=218228"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}