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Kredi çekme düşüncesi olan vatandaşların gündeminde kredi faiz oranları bulunurken bankalardan taşıt ve konut kredisi hakkında yapılan son açıklamalar yakından takip ediliyor. Ziraat Bankası, Halkbank ve Vakıfbank tarafından yapılan ortak açıklamaya göre, 3 kamu bankası, bireysel ve kurumsal müşterilerine yönelik tüm alanlarda yaptıkları öncü uygulamalara bir yenisini daha ekleyerek, yerli üretimi desteklemek amacıyla Türkiye'de üretim yapan otomotiv markaları ile iş birliği gerçekleştirdi. Peki, düşük faizli taşıt kredisi ni hangi bankalar veriyor? Hangi araçlar için geçerli olacak? İşte o soruların yanıtı...
HANGİ ARAÇLAR İÇİN GEÇERLİ OLACAK?
Ziraat Bankası, Halkbank ve Vakıfbank'ın yerli üretimi desteklemek amacıyla hazırladığı Otomotivde Yerli Üretime Özel Taşıt Kredisi Kampanyası'na Otokar ve BMC de dahil oldu.
Ziraat Bankası, Halkbank ve Vakıfbank tarafından yapılan ortak açıklamaya göre, 26 Eylül'de duyurulan otomotiv sektörüne yönelik yerli üretime özel iş birlikleri, yeni firmaların katılımlarıyla genişlemeye devam ediyor.
Araç sahibi olmak isteyen müşterilere uygun koşullarla finansman sağlanması hedeflenen kampanyaya son olarak Otokar ve BMC katıldı. Böylece anlaşmalı otomotiv firmaları binek araçlarda Fiat, Honda, Hyundai, Renault Mais; ticari araçlarda Fiat, Ford, Isuzu, Karsan, Temsa, Otokar ve BMC oldu.
DÜŞÜK FAİZLİ TAŞIT KREDİSİNİ HANGİ BANKALAR VERİYOR?
Ziraat Bankası, Halkbank ve Vakıfbank'ın otomotiv firmalarıyla yaptığı anlaşma ile Türkiye'de üretilen binek ve ticari taşıtların alımında uygulanan kredi faizleri düşürülmüştü.
Bu kapsamda fiyatı 50 bin lira ila 120 bin lira arasında bulunan sıfır kilometre binek araçlarda 18-36 ay vade için uygulanan aylık faiz oranı yüzde 0,49-0,69 bandına çekilmişti. Öte yandan, fiyatı 72 bin lira ila 500 bin lira arasında değişen sıfır kilometre ticari araçlar için 36-60 ay vadeli kredinin faizi de aylık yüzde 0,49-0,69 bandına düşürülmüştü.
HANGİ TARİHLER ARASINDA GEÇERLİ OLACAK?
Otomotiv sektörüne hareketlilik getirmesi hedeflenen kampanya, 1 Ekim-31 Aralık döneminde geçerli olacak.
ÜÇ KAMU BANKASINDAN ORTAK AÇIKLAMA
Ziraat Bankası, Halkbank ve Vakıfbank tarafından yapılan ortak açıklamada, ekonomideki olumlu gelişmeler ile faiz ve enflasyon oranlarındaki düşüş trendi doğrultusunda ağustos ayı itibarıyla konut kredilerinde faiz indirimine gidildiği, 500 bin liraya kadar olan tutarlar için aylık yüzde 0,99 faiz oranıyla konut kredisi kullandırımına başlandığı anımsatıldı.
KİMLER KAPSAYACAK?
Açıklamada, ağustos ayında gerçekleştirilen bu indirimden önce Ziraat Bankası, Halkbank ve Vakıfbank'tan konut kredisi kullanmış ve mevcut kredi bakiyesi 500 bin liranın altında olan müşterilere, talep etmeleri halinde kredilerinin aylık yüzde 0,99 faiz oranıyla yenileme imkanı sağlanacağı aktarılarak, şu ifadelere yer verildi:
"Yapılan faiz indiriminden faydalanmak isteyen müşterilerin, ilgili banka şubelerine başvurması gerekmekte olup 500 bin liranın altında kredi borcu olanların aylık yüzde 0,99 oranından, 500 bin lira üzerinde kredi borcu bulunanların ise bankaların bu tutarlar için uyguladıkları cari faiz oranlarından kredileri yenilenebilecektir."