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24 Şubat taşıt, konut ve ihtiyaç kredi faiz oranları sorgulanıyor. Şubat ayının son haftasında kredi faiz oranlarındaki güncel durum vatandaşlar tarafından büyük bir merakla araştırılmaya başlandı. Bugüne kadar on binlerce kişi kredi çekmek için banka lara başvurdu. Kredi çekmeyi düşünen vatandaşlar ise bir yandan ev ve araba fiyatlarını takip ederken bankaların indirim açıklamalarını da inceliyor. Son altı aylık sürece bakıldığında faizlerdeki indirimlerle birlikte on binlerce kişinin kredi çekmek için bankalara talepte bulunduğu görülüyor. İşte 24 Şubat taşıt, konut ve ihtiyaç kredi faiz oranları... Konut kredisi kısa sürede birikim yapmadan ev sahibi olmak için en fazla tercih edilen yöntemlerden bir tanesidir.
DETAYLAR İÇİN BİR SONRAKİ SAYFAYA GEÇİNİZ
23 ŞUBAT KONUT, TAŞIT VE İHTİYAÇ KREDİSİ FAİZ ORANLARI
Ziraat Bankası
İhtiyaç Kredisi: %1,05
Konut Kredisi: %0,94
Taşıt Kredisi: %0,96
Sıfır Konut Kredisi: %0,79
ZİRAAT BANKASI KREDİ HESAPLAMA ARACI
Vakıfbank
İhtiyaç Kredisi: %1,05
Konut Kredisi: %0,94
Taşıt Kredisi: %95
VAKIFBANK KREDİ HESAPLAMA ARACI
Halkbank
İhtiyaç Kredisi: (Maaş Müşterileri için) %0,98 (Diğer müşteriler için) %1,07
Konut Kredisi: %0,94
Taşıt Kredisi: %0,94
Sıfır Konut Kredisi: %0,79
HALKBANK KREDİ HESAPLAMA ARACI
AKBANK KREDİ FAİZ ORANLARI
ihtiyaç kredisi: 1.45
Taşıt kredisi: 1.07
Konut Kredisi: 0.95
AKBANK KREDİ HESAPLAMA ARACI
İŞ BANKASI FAİZ ORANLARI:
İhtiyaç kredisi: 0.99
Taşıt kredisi: 0.97
Konut Kredisi: 0.95
İŞ BANKASI KREDİ HESAPLAMA ARACI
GARANTİ BANKASI FAİZ ORANLARI:
İhtiyaç kredisi: 1.09
Konut kredisi: 0.99
Taşıt kredisi: 1.14
GARANTİ BANKASI KREDİ HESAPLAMA ARACI
YAPI KREDİ FAİZ ORANLARI:
Konut kredisi: 1.05
Taşıt kredisi: 1.09
Bireysel ihtiyaç kredisi: 1.59
QNB FİNANSBANK FAİZ ORANLARI:
İhtiyaç kredisi: 0.89
Konut kredisi: 1.23
Taşıt kredisi: 1.45
DENİZBANK FAİZ ORANLARI:
İhtiyaç kredisi: 1.59
Tüketici kredisi: 1.59
Taşıt kredisi: 1.11
KONUT KREDİSİ NASIL ALINIR?
Konut kredisi kısa sürede birikim yapmadan ev sahibi olmak için en fazla tercih edilen yöntemlerden bir tanesidir. Konut kredisi sayesinde çok fazla kişi ev sahibi olmuştur. Fakat bu kredi türünü kullanmak için banka nın gerekli gördüğü bazı şartları sağlamanız gerekmektedir. Öncelikle konut kredisi çekmek istediğiniz ev krediye uygun bir durumda olmalıdır. Aksi takdirde konut kredisi başvurunuz onaylanmaz. Çünkü bankalar verdikleri kredi karşılığında evi ipotek altına alırlar. Bu şartla müşteriye kredi verirler. Bankalar kredi miktarını evin belirlenen fiyatının %80'i olarak belirlemiştir. Yani asla alacağınız evin fiyatının tamamını kredi olarak çekemezsiniz. Zaten konut kredisi verileceği zaman ekspertiz eşliğinde evin değeri banka tarafından hesaplanır. Verilecek kredi miktarı da o zaman belirlenir. Diğer bir en önemli şart kredi başvurusu yapan kişinin kredi notunun iyi bir düzeyde olmasıdır. Çünkü bankaların başvuran kişiler hakkında ilk başta dikkat ettikleri nokta kredi notudur.
Eğer kredi notunuz düşük ise bankalardan kredi alma ihtimaliniz çok düşüktür. Bu yüzden bankalarla olan ilişkilerinizi iyi tutmanız yani ödemelerinizi aksatmadan yapmanız gerekmektedir. Konut kredisinde geri ödeme planı çok önemlidir. Çünkü ev bankaya ipotekli olduğundan herhangi bir ödememe durumunda ev bankanın malı olacaktır. Bu yüzden ödeme planını iyi oluşturmak gerekir. Konut kredilerinde vade genelde 5-10 yıl arasıdır. Bu vade seçenekleri gayet uzun bir süredir ve bu süreler arasında uygun bir ödeme planı oluşturabilirsiniz. Böylelikle ödemeleri aksatmaz ve evin riske girmemesini sağlarsınız. Almayı düşündüğünüz evin tapusu, nüfus cüzdanı fotokopisi ve gelir belgesi gibi evraklar ile konut kredisine başvurabilirsiniz.
İHTİYAÇ KREDİSİ NEDİR?
İhtiyaç kredileri diğer kredilere göre daha ziyada düşük faiz li ve kısa vadeli kredilerdir. Bu tip krediler için son dönemde bankaların yeni uygulamaları sayesinde şubeye gitmeden dahi telefon ya da internet yoluyla kredi alınabilmektedir. Bu tip krediler bireysel kredi türündedir. Yani kişinin ticari amacı dışında kalan ihtiyaçlarını karşılamak üzere verilen kredidir. Bu tip krediyi kurumlar değil, yalnızca reel kişiler kullanabilir. Ancak, işletme sahipleri ticari gelirlerini göstererek kendi adlarına da kullanabilir.
İHTİYAÇ KREDİSİ ŞARTLARI NEDİR?
Gelir durumu ihtiyaç kredisi için en önemli şartlardan biridir. Birçok bankanın aradığı diğer şartlar ise;
18 yaşını doldurmuş olmak (Bankalar yine de 20 yaş ve üzerine kredi vermektedir.) Vergi levhasının ya da SSK kaydının olması. (Son 3 aya dair) Herhangi bir bankadan aldığınız borçtan dolayı takibe düşmemiş olmanız. Bazı durumlarda kefil (Kefil olarak eşin rızası istenebiliyor.) Gelirin resmi olarak beyan edilmesi. Bunların dışında eğer ipotekli ihtiyaç kredisi çekilecekse, eşin rıza durumu istenebilir. İhtiyaç kredileri 36 ay vade ile kullanılabilir. İhtiyaç kredilerinde tüm hane halkının değil, yalnızca krediyi çekecek kişinin geliri hesaplanır. (Hane halkı kefil olabilir.) Yine birçok bankada gelirin en fazla %50'si aylık taksit olacak şekilde kredi çekilebiliyor.
İKİNCİ EL TAŞIT KREDİSİ NASIL ALINIR?
Öncelikle ikinci el taşıt kredisinin ne olduğundan kısaca bahsedelim. Banka lar taşıt kredisi ürünlerini 0 araçlar için farklı, 2. el araçlar için farklı şartlarla sunarlar. Sıfır araçlar için araç kredisi almak genellikle daha kolaydır. Otomobil kredisi ile ikinci el araç alımlarında araç yaşı sınırlaması ve sıfır araç alımına göre kredi kullandırım oranı farklılığı vardır. Aracın değeri, kasko değerine göre hesaplanır ve kredi buna yönelik olarak verilir.
İKİNCİ EL TAŞIT KREDİSİ İÇİN YAŞ SINIRI
Bankaların avantajlı faiz oranları ile sunduğu araba kredisi ürünleri ile ikinci el araba almak istediğinizde aracın belli bir yaş aralığında olması beklenir. Bu yaş aralığı bankadan bankaya değişse de bankalar genellikle sekiz yaşından büyük olan araçlar için kredi vermek istemezler. Banka kredisi ile ikinci el taşıt almayı düşünüyorsanız en fazla sekiz yaşına kadar olan araçlara bakmanızda fayda var.
KONUT KREDİSİ HACMİ ARTACAK!
Hangikredi Genel Müdürü Durmazoğlu "Bu yılın sonunda konut kredisinde yüzde 12-13 hacimsel büyüme bekliyoruz. İhtiyaç kredisi hacmindeki artışın, 2020'de ivme kaybederek yüzde 19-20 seviyelerinde olacağını öngörüyoruz" dedi. Hangikredi Genel Müdürü Oray Durmazoğlu, AA muhabirine yaptığı açıklamada, Türkiye Cumhuriyeti Merkez Banka sı Para Politikası Kurulu'nun (PPK), politika faiz ini yüzde 24'lerden 10,75'e indirmesinin ilk etkisinin konut kredilerinde görüldüğünü söyledi.
2019'un ilk çeyreğinde aylık 7-8 bin ipotekli konut satışı yapılırken 2019 Temmuz'da ilk faiz indirimi sonrası 5 kat artarak aylık yaklaşık 40 bin adet kredili konut satışına ulaşıldığını belirten Durmazoğlu, açıklanan her bir verinin ekonominin çarklarının iyi döndüğünü gösterdiğini dile getirdi.
Durmazoğlu, ekonomideki ivmelenme trendinin 2020'de artarak devam edeceğine işaret ederek, "Bu yılın sonunda konut kredisinde yıllık yüzde 12-13 hacimsel büyüme bekliyoruz. İhtiyaç kredisindeki hacim 2019'da yıllık yüzde 28 artmıştı. 2020'de ise bu artışın ivme kaybederek yıllık yüzde 19-20 seviyelerinde olacağını öngörüyoruz.