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Güncel yeni konut taşıt bireysel kredi faiz oranları! 21 Haziran konut kredisi faiz oranları son dakika ne oldu? Ev sahibi olmak isteyen kişiler banka ların yükselen konut kredisi faiz oranları karşısında zorlanmaya devam ederken bazı bankalar ise 0.98 anlaşmalı konut projeleri ile ucuz konut kredisi veriyor. Firma Katkı Paylı konut kredisi kampanyası olarak lanse edilen kampanyada bankalar müşterilerine yüzde 0.98 faiz oranı ile konut kredisi kullanma fırsatı sunarken söz konusu faiz oranı sadece bankalar tarafından ilan edilen anlaşmalı konut projeleri listesi için geçerli oluyor. Şu anda 7 bankanın 0.98 anlaşmalı konut projeleri kampanyaları devam ederken bu kampanyalardan yararlanmak isteyen kişilerin sayıları da hızla artıyor.
BİREYSEL KREDİ FAİZ ORANLARI
Garanti Bankası
Garanti Banka sı'nıın konut kredisi faiz oranı yüzde 1.86, bireysel ihtiyaç kredisi faiz oranı yüzde 2.34, taşıt kredisi faiz oranıysa yüzde 2.19 seviyesinde.
Yapı Kredi
Yapı Kredi konut kredisi faiz oranı yüzde 2.11 iken, bireysel ihtiyaç kredisi faiz oranı ise yüzde 2.44'tür.
Halkbank Taşıt Kredisi Kampanya Detayları
Halkbank , 3 ay ödemesiz ve dönemli eşit aylık taksitle kredi kampanyası sağlamaktadır. Banka , 200.000 TL'ye kadar taşıt kredisi sağlamakla birlikte, ikinci el araçlarda 5 yaşını aşmamak kaydıyla kredi sağlanır. 60 ay vadeli 20.000 TL kredi için yüzde 2.00 oranında faiz uygulanır ve bankaya ödenmesi gereken aylık taksit tutarı 632.40 TL'dir.
Denizbank Taşıt Kredisi Kampanya Detayları
Denizbank, 2. el araçlarda 120.000 TL'ye kadar taşıt kredisi sağlamaktadır. Sıfır bir otomobilin değeri eğer 120.000 TL'nin üstündeyse 75.000 TL kredi alınabilmektedir. 48 ay vadeli 100.000 TL taşıt kredisi alan bir banka müşterisine yüzde 2.29 faiz uygulanır ve bankaya ödenmesi gereken taksit tutarı 3775.73 TL'ye tekabül etmektedir.
Akbank Taşıt Kredisi Kampanya Detayları
Akbank, 48 ay vadeli 20 bin TL taşıt kredisi finanse etmektedir. Yüzde 2.17 faiz oranıyla kredi sağlanmakta ve 60 ay vadeyle de taşıt finansmanı alınabilmektedir.
HALKBANK KONUT KREDİSİ FAİZ ORANLARI SON DURUM 2019
Halkbank konut kredi kullanımlarında faiz oranı aylık yüzde 1,65 belirlendi.
HESAPLAMA EKRANI İÇİN TIKLAYIN
VAKIFBANK KONUT KREDİSİ FAİZ ORANI SON DURUM 2019
Vakıfbank konut kredi kullanımlarında faiz oranı aylık yüzde 1,55 belirlendi.
HESAPLAMA EKRANI İÇİN TIKLAYIN
ZİRAAT BANKASI KONUT KREDİSİ HESAPLAMA
HESAPLAMA EKRANI İÇİN TIKLAYIN
Konut kredisi hesaplama işlemi için Ziraat Banka sı'nın resmi internet sitesinde bulunan Konut Kredisi Hesaplama Aracı'na giriniz. Daha sonrasında almak istediğiniz kredi türünü seçin. Ardından kredi tutarı, ödeme vadesi ve faiz oranını belirleyerek HESAPLA butonuna basınız.
Hesapla butonuna bastıktan sonra alacağınız kredi türüne, tutarına ve vadesine göre konut kredisi karşınıza çıkacaktır. Örneğin;
Konut Kredisi seçeneğiyle 455.000 TL'lik tutar seçtiğimizde, vadesini 120 ay ve faiz oranını da yüzde 1,65 olarak seçtiğimizde sonuçlar şu şekilde çıkmaktadır;
Taksit Tutarı: 8,732.88 TL
Faiz Oranı: yüzde 1,65
Yıllık Maliyet Oranı: yüzde 21.9301
Siz de alacağınız konut kredisine ilişkin bilgileri bu sayfada girerek sorgulama yapabilir ve konut kredisi hesaplama işlemini gerçekleştirebilirsiniz.
İş Bankası 0.98 Konut Kredisi Kampanyası ve Anlaşmalı Konut Projeleri Listesi
0.98 konut kredisi veren banka lar arasında yer alan İş Bankası kampanya kapsamında yer alan anlaşmalı konut projeleri için müşterilerine yüzde 1.85 yerine yüzde 0.98 konut kredisi faiz oranı ile ev sahibi olma fırsatı sunuyor.
Kuveyt Türk Katılım Bankası 0.98 Konut Kredisi Kampanyası ve Anlaşmalı Konut Projeleri Listesi
Katılım Banka ları arasında yer alan Kuveyt Türk Katılım Bankası da finansman desteği sağladı inşaat projelerine 0.98 konut kredisi desteği sunma kararı aldı. Banka sadece belirlediği projelerden ev alan müşterilerine 0.98 katılım payı oranı ile finansman desteği sağlayacak.
Ziraat Katılım Bankası 0.98 Konut Kredisi Kampanyası ve Anlaşmalı Konut Projeleri Listesi
Ziraat Katılım Bankası da 0.98 konut kredisi desteği sağlıyor. Kampanya kapsamında banka nın anlaşma sağladığı müteahhitler ve inşaat şirketleri tarafından satılan konut projeleri için yüzde 0.98 konut kredisi fırsatı sunuluyor.
Vakıf Katılım Bankası 0.98 Konut Kredisi Kampanyası ve Anlaşmalı Konut Projeleri Listesi
0.98 konut kredisi kampanyası devam eden banka lar arasında yer alan Vakıf Katılım Bankası anlaşmalı konut projeleri için yüzde 1.79 yerine yüzde 0,98 faiz oranı ile konut kredisi veriyor.
KONUT KREDİLERİNE BANKA GARANTİSİ
Dekar Yapı, Yapı Kredi ile işbirliği yaparak, Türkiye'de ilk defa 'Ödeme Korumalı Finans Modeli'ni hayata geçirdi. Bu model ilk kez Çekmeköy Ömerli'de yer alan Dekar Kıyıbahçe projesinde uygulanacak.
HER AY EKSPERTİZ
Dekar Yapı Başkanı Salih Kuzu, finansman modelini şöyle anlattı: "Banka önce projeye ilişkin fizibilite yaparak, onay verecek. Ardından şirkete 'proje kredisi' tahsis edecek ve alıcılara da konut kredisi verecek. Müşterilerden alınan peşinat, konut kredisi veya peşin ödemelerin tamamı banka tarafından bloke edilecek. Banka, her ay projeye ekspertiz yapacak. İnşaatın ilerlemesine göre gelirleri serbest bırakacak. Gelir yetersiz kalırsa, proje kredisinden finansman sağlanacak."
KONUT KREDİSİ NEDİR?
Konut kredisi, satın alınacak evin teminat altına alınması koşuluyla banka lar tarafından verilen bir kredi türü. Kredinin vadesi genellikle sabit faiz oranlarıyla 5 ila 30 yıl arasında değişebiliyor. Konut kredisine başvurmak için satın almak istediğiniz konuta karar verdikten sonra kredi imkanları sunan bankaları araştırmanız gerekir. Sizin için en uygun faiz oranları nı sunan bankaları araştırmanız ve başvurmanız gerekecektir. Kredi başvurunuz onaylandıktan sonra artık devreye gayrimenkul değerlendirme uzmanları giriyor. Uzmanlar, satın almak istediğiniz evin değerini belirledikten sonra, evin değerinin dörtte birini peşinat ödemesi olarak vermeniz gerekir. Yasalar gereği, belirlenen ekspertiz değerinin %70-75'ine kadar konut kredisi verilebiliyor. Evin kalan %25'lik ücreti içinse peşinatınız olması gerekir. Sözleşmeniz süresince belirlenen faiz oranı ve vade üzerinden aylık olarak ödemelerinizi gerçekleştirebilirsiniz.
KONUT KREDİSİ ALABİLMEK İÇİN GEREKLİ EVRAKLAR
Yaptığınız kredi başvurusu ön onay aldığında ikinci adım olarak gerekli belgelerle bankaya gitmeniz gerekir. Konut kredisi için banka tarafından nüfus cüzdanı, ikametgah ve gelir beyanı olmak üzere üç temel belge talep edilir. Düzenli bir geliriniz olması halinde başvurunuzun onaylanması ihtimali oldukça yüksektir. Daha önceki kredi borcu nedeniyle hakkında banka takip kararı olan kişiler ise kredi alamazlar. Konut kredilerinde ipotek uygulaması söz konusu olduğu için kefil istenmez. Eğer başvuran kişi yeterli bir gelire sahip değilse o zaman kefil uygulaması devreye girebilir.