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En uygun krediyi hangi banka veriyor? 1 Ağustos Garanti, Ziraat, Halkbank , Vakıfbank taşıt, konut kredisi faiz oranları! Türkiye Cumhuriyet Merkez Bankası 'nın (TCMB) faiz indirimi kararı almasıyla birlikte kredi faiz oranları ndaki son durum merak edilmeye başlandı. Vatandaşlar bu nedenle kredi faiz oranlarında son durum ne sorusuna yanıt arıyor. Her bankanın uyguladığı koşullar farklı olmakla beraber genelde tüm bankaların ortak olarak aramış oldukları konut kredisi şartları da bulunmaktadır. Hazine ve Maliye Bakanı Berat Albayrak da konuyla ilgili önemli bir açıklamada bulundu. Peki, kredi faiz oranları düşecek mi? Halkbank, Ziraat Bankası , Vakıfbank taşıt, konut kredi oranlarında son durum nedir? İşte banka banka kredi faiz oranları...
BAKAN ALBAYRAK MÜJDEYİ VERDİ
Bakan Berat Albayrak da konuyla ilgili önemli açıklamalar yaptı. Albayrak, "Bu haftadan itibaren kamu banka ları başta olmak üzere kredi faiz lerinde indirim göreceğiz. Özel bankalarda da kredi faizi indirimi hareketlenmeleri görüyoruz." dedi.
KREDİ FAİZ ORANLARINDA SON DURUM
Ziraat Bankası Konut Kredisi Faiz Oranları:
Kredi Tutarı Azami Vade Faiz Oranı
500.000'e kadar 180 ay Aylık 0,99
500.001 – 1.000.000 180 ay Aylık 1,19
1 milyon üzeri 180 ay Aylık 1,39
ZİRAAT BANKASI KONUT KREDİSİ HESAPLAMA İÇİN TIKLAYINIZ
VAKIFBANK FAİZ ORANLARI
Sarıpanjur konut kredisi : 1.49 İhtiyaç kredisi: 1.99
HALKBANK FAİZ ORANLARI
İhtiyaç kredisi: 2.15 Taşıt kredisi: 1.79 Konut kredisi : 1.53
TEB FAİZ ORANLARI
İhtiyaç kredisi: 2.3 Taşıt kredisi: 1.77 Konut kredisi : 1.55
GARANTİ BBVA FAİZ ORANLARI
Dijital ihtiyaç kredisi: 2.18 Konut kredisi : 1.65 Taşıt kredisi: 2.04
AKBANK KREDİ FAİZ ORANLARI
İhtiyaç kredisi: 2.04 Taşıt kredisi: 1.85 Konut kredisi : 1.49
İŞ BANKASI FAİZ ORANLARI
İhtiyaç kredisi: 2.2 Taşıt kredisi: 1.93 Ev kredisi: 1.72
YAPIKREDİ FAİZ ORANLARI
İhtiyaç kredisi: 2 Taşıt kredisi: 1.89 Konut kredisi : 1.79 (120 ay)
QNB FİNANSBANK FAİZ ORANLARI
İhtiyaç kredisi: 1.59 Taşıt kredisi: 2.22 Konut kredisi : 1.93
KONUT KREDİSİ NASIL ALINIR?
Konut kredisi kullanmak istiyorum diyen kişilerin satın almak istedikleri konutun tapusu ile kredi kullanmak istedikleri banka nın şubesini ziyaret etmeleri yeterlidir. Banka başvuru işleminde ilk olarak konut kredisi başvuru formu doldurmanızı ister. Ardından kimlik numarası bilginiz üzerinden kredi notu ve kredi sicili sorgulaması yapılarak kredi için uygunluğunuz değerlendirilir.
Yeterli bulunmanız durumunda banka konut kredisi ekspertiz ücreti talep eder ve bu ücreti ödemeniz durumunda konut kredisi eksper raporu çıkartılarak konutun değeri belirlenerek bu değer üzerinden maksimum yüzde 80 oranında kredi kullanmanıza izin verir. Geriye kalan yüzde 20 'lik tutar ise konut kredisi peşinatı olarak sizden tahsil edilir. Genelde konut kredisi onay süresi 3-4 iş günü arasında değişmekte olup konut kredisi ekspertiz işlemi daha kısa sürede tamamlanırsa 1-2 gün içinde dahi yapılabilmektedir.
Ardından banka satış sürecini başlatır ve tapu dairesinden randevu alınarak bankanın avukatı ile beraber konut kredisi kullanmak istiyorum diyen kişi ile satışı yapacak olan kişi ile beraber tapuya gidilerek satış yapılır. Banka avukatı bu esnada tapu kütüğü kaydına banka adına tapuya ipotek şerhi koydurur ve konut kredisi borcu bitene kadar tapuya ipotek şerhi uygulanmaya devam eder.
KONUT KREDİSİ ŞARTLARI NASIL?
Her banka nın uyguladığı koşullar farklı olmakla beraber genelde tüm bankaların ortak olarak aramış oldukları konut kredisi şartları da bulunmaktadır. Örneğin kredi çekilerek satın alınmak istenen konutun tapusunun olması tüm bankalar tarafından aranılan şartlardan biridir. Yine konutun iskanının bulunması, kredi çekmek istiyorum diyen kişinin yüksek kredi notu ortalaması bulunması, temiz bir kredi sicili bulunması, maaşı ile kullanmak istediği kredi notu ortalamasının arasında yarı yarıya oran bulunması aranılan ortak şartlardandır.
Şahismail Şimşek (İş Bankası Genel Müdür Yardımcısı): "Esnaf ve gerçek kişi tacir müşterilerimizin ihtiyacı olan tüm banka cılık işlemlerinin tek seferde topluca ücretlendirilmesi, böylece maliyetlerinde öngörülebilirlik sağlanması amacıyla ürün ve hizmetlerimize tek bir ödemeyle toplu halde ve avantajlı fiyatlarla erişebilecekleri Esnafa Özel Paketleri oluşturduk. POS ücretleri ve hesap işletim masrafları ile tercih ederlerse belirlenen ciroya kadar POS komisyonlarını almıyoruz.
Paketlerimizi turizm sektörü kapsamında özelleştirerek, otel, restoran ve kafeler, eğlence tesisleri, ulaşım hizmetleri, seyahat acenteleri, hediyelik eşya mağazaları alanında faaliyet gösteren müşterilerimizin bankacılık ihtiyaçlarını optimum seviyede karşılayacak şekilde oluşturduk. Sektörün mevsimsel özelliğini de göz önüne alarak altı aylık olarak oluşturduğumuz ve küçük-orta ölçekli işletmeleri odağına alan Turizm Paketlerimiz çeşitli tutarlarda POS peşin işlem cirosu da içeriyor."
Bülent Oğuz (Akbank Perakende Bankacılıktan Sorumlu Genel Müdür Yardımcısı): "Akbank olarak yaz döneminde de müşterilerimizin ihtiyaçlarında yanında olmaya devam ediyoruz. Tatil, evlilik hazırlığı, bayram alışverişi, taşınma harcamaları, okul açılış hazırlıkları gibi nedenlerle özellikle yaz aylarında müşterilerimizin ihtiyaç kredisi talepleri artırıyor.
Harcamaların arttığı bu dönemde müşterilerimizin hayatını kolaylaştırmak amacıyla 3 ay ertelemeli ihtiyaç kredisi kampanyamızı hazırladık. 1,85%'ten başlayan avantajlı faiz oranlarımız ile şimdi kredi kullanan müşterilerimiz ilk taksit ödemelerini Kasım ayına kadar erteleyebiliyor, üstelik 60 aya varan vade seçeneklerinden faydalanabiliyor. KOBİ Tarifeleri(KOTA)", tarife içeriğindeki havale, EFT, çek tahsilatı, çek karnesi, hesap cüzdanı/hareketi yazdırma gibi banka cılık işlemlerinden belli adetlerle sınırlı olmak üzere aylık, 6 aylık veya yıllık ücret karşılığı yararlanabilmeyi sağlıyor."
Serkan Ülgen (Yapı Kredi Genel Müdür Yardımcısı): "Yapı Kredi World ile de müşterilerimiz Türkiye'nin önde gelen seyahat operatörleri kanalı ile yaptıkları yurt içi tatil harcamalarını 12 aya kadar taksitlendirebiliyor. Dönemsel olarak hayata geçirdiğimiz bireysel ihtiyaç kredisi kampanyalarımız ile müşterilerimizin yaz ayları dönemindeki ihtiyaçlarına destek oluyoruz. 60 aya kadar vade seçeneği ve uygun faiz ile ihtiyaçlarını kolayca karşılayabiliyor. Kredi işlemlerini, şubelerimizin yanı sıra; Yapı Kredi Mobil ve İnternet Banka cılığından da hızlıca halledebiliyorlar. KOBİ bankacılığı kapsamında müşterilerimizin yatırım ve işletme sermayesi ihtiyaçlarına özel pek çok farklı kredi ürünümüz bulunuyor."
Enis Kurtoğlu (QNB Finansbank Bireysel ve Özel Bankacılık Genel Müdür Yardımcısı): "Temmuz ve Ağustos ayında geçerli ParaPuan kampanyası ile birlikte müşterilerimiz otomatik fatura ödeme talimatları kapsamında 90 TL'ye varan hediye ParaPuan kazanabiliyorlar. Yaz döneminde müşterilerimizin dönemsel beklenti ve ihtiyaçlarına yönelik özel kampanyalar hazırlıyoruz. Örneğin yaz dönemine denk gelen Ramazan ve Kurban Bayramı'nda kredi ihtiyacı bulunan müşterilerimize bayram dönemine özel kampanyalar sunuyoruz. Yaza Özel 3 Ay Ödemesiz İhtiyaç Kredisi' oldukça rağbet gören bir ürünümüz."
Murat Kulaksız (DenizBank KOBİ Bankacılığı Genel Müdür Yardımcısı): "Hızlı Krediler, İşletme kart, KGF Teminatlı Krediler, KOBİ Tarife ve Paketleri ana başlıklarında hizmetler sağlıyoruz. Acil nakit ihtiyaçlarınız için Ticari Kurtaran Hesap, Taksitli Ticari Kredi ve Taksitli Alışveriş imkanı sunan İşletme Kart ürünümüzle şubeye gitmeden, kredi limit başvurusu yapabiliyor, eğer onaylanır ise hemen kredi limiti alıyor, ATM veya telefondan kredi kullanabiliyorsunuz. Kredi ihtiyacınıza hızlı bir başka çözümümüz HIZLI KREDİ. Esnaf boşluk TC No.'nuzu 3280'e göndermeniz halinde ticari kurtaran hesap, işletme kart, DBS, taksitli ticari kredi ve taşıt tanıma sistemini de içeren 5 ayrı limit tanımlıyoruz."
Gökhan Ertürk (Şekerbank Bireysel Bankacılık Genel Müdür Yardımcısı): "Tatil dönemi olan yaz aylarında bireysel müşterilerimizin artan finansman ihtiyaçlarını avantajlı koşullarda karşılamaları amacıyla kredi kampanyaları düzenliyoruz. Yaz aylarında memleketlerini ziyaret eden yurt dışında yaşayan vatandaşlarımıza özel Memleketim Paketi ile binbir emekle elde edilen birikimlerin değer kazanmasına destek oluyoruz. Yazın binalarının yalıtım ve izolasyon işlerini tamamlamak isteyen müşterilerimizin yoğun talebine EKOkredi ürünümüz ile finansman desteği veriyoruz. Müşterilerimize 18 ay vadeye kadar %0 faiz ve 60 aya varan vadelerle taksitlendirme yapıyoruz."