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Enflasyon oranın açıklanmasıyla beraber ülke ekonomisindeki taşlar yerine oturmaya başladı. Emekli ve memurlara yapılan enflasyon oranındaki zam ile asgari ücretin netleşmesi vatandaşları hesap kitap yapmaya yöneltti. Vatandaşların alım gücündeki düşme bireyleri banka larla daha da yakınlaştırdı. Kredi kartı kullanımın arttığı son yıllarda vatandaşlar, ihtiyaç kredisi başvurularına da başladı. Kredi çekme konusunda ince eleyip sık dokuyan bireyler hem faiz oranlarını hem de vade miktarını detaylı bir şekilde incelemeyi tercih ediyorlar. İhtiyaç kredileri diğer kredilere göre daha ziyada düşük faizli ve kısa vadeli kredilerdir.
YENİ BİR KREDİ UYGULAMASI BAŞLATILDI
3 kamu banka sından yapılan ortak açıklamaya göre, küresel ölçekte yaşanan ve Türkiye 'yi de etkileyen yeni tip koronavirüs (Kovid-19) salgınının ekonomik hayata, üretim ve istihdama ilişkin olası hasarlarını en aza indirme hedefiyle uygulamaya alınan "Ekonomik İstikrar Kalkanı" tedbirleri doğrultusunda Ziraat Bankası , Halkbank ve VakıfBank, hanehalkı geliri aylık 5 bin lira ve altında olan bireysel segmentte yer alan müşterilerini finansal açıdan desteklemek için yeni bir kredi uygulaması başlattı.
NASIL ÖDENECEK?
"Bireysel İhtiyaç Desteği Kredisi " adı verilen uygulamada, temel ihtiyaçlarını uygun şartlarda finanse edebilmeleri amacıyla bireysel segment müşterileri, 10 bin liraya kadar, 6 ayı ödemesiz dönemli, 36 aya kadar vadeli, aylık eşit taksitli kredi kullanabilecek.
Müşterilere, Kredi Garanti Fonu (KGF) kefaleti ile bu krediden faydalanma imkanı da sunulacak. "Bireysel İhtiyaç Desteği Kredisi", bankalar tarafından ortak kriterlerle değerlendirilecek.
BAŞVURULAR, 1 NİSAN'DAN İTİBAREN KABUL EDİLECEK
Müşteriler, Ziraat Bankası, Halkbank ya da VakıfBank'tan yalnızca birine başvuru yapabilecek. Başvurular, 1 Nisan'dan itibaren kabul edilecek.
Alınan sağlık tedbirleri kapsamında kredi başvurularının öncelikli olarak bankaların mobil uygulamaları veya internet şubeleri aracılığıyla yapılması gerekiyor. Bankalarca başvuru kanallarının açılması ve taleplerin toplanması sonrasında kredi kullandırılması uygun olarak değerlendirilen müşterilerin hesaplarına kredi tutarları aktarılacak olup müşteriler kredi tutarını ATM'lerden çekebilecek.
İŞTE TÜM BANKALARIN İHTİYAÇ KREDİSİ FAİZ ORANLARI
2020 yılında düşük faiz li ihtiyaç kredisi veren banka lar belirlenmiştir:
• QNB Finansbank
• ING Bank
• Türkiye Finans Bank
• Türkiye İş Bankası
• Burgan Bank
• Garanti BBVA
• Denizbank
Bankaların kredi şartlarına uygun olan vatandaşlar ihtiyaç kredisi başvurusunda bulunabilir. Bankaların uyguladığı kredi faiz ve vade oranları birbirinden farklıdır. Bu bağlamda bankaların kredi taleplerindeki kullanım şartları ve kapsamında da değişiklik olduğunu söylemek mümkündür.
1.QNB Finansbank İhtiyaç Kredisi
QNB Finansbank müşterilerinin farklı ihtiyaçlarına yönelik aylık yüzde 0.89 faiz oranıyla kredi imkan sunuyor. İhtiyaç kredisinin vade oranları ise 3-60 ay arasında değişiklik gösteriyor. Banka nın başvuru koşulları arasında; 18 yaşından büyük olma şartı aranıyor. İhtiyaç kredisi için gerekli olan evraklar banka tarafından belirlenmiştir:
• Başvuru formu
• Nüfus cüzdanı veya noter tasdikli suret
• Gelir belgesi
• Tapu fotokopisi
• Kira kontratı
• Araç ruhsatı
2.ING Bank İhtiyaç Kredisi
ING Bank, yüzde 0.99'dan başlayan faiz oranlarıyla müşterilerine ihtiyaç kredisi olanağı veriyor. İhtiyaç kredisinden yararlanmak isteyenler 60 aya varan vade ve 3 ay erteleme seçeneğiyle kredi başvurusu yapabiliyor.
3. Türkiye Finans Bank İhtiyaç Kredisi
Banka ihtiyaç sahiplerine yüzde 1.03'ten başlayan faiz oranıyla kredi çekme fırsatı veriyor. Esnek ödeme fırsatı ile bankadan alınan kredi taksitleri kişilerin nakit akışına göre planlanabilir. İhtiyaç kredisine ek olarak müşteriler temel bankacılık işlemlerinden ücretsiz yararlanabilirler.
4. Türkiye İş Bankası İhtiyaç Kredisi
Banka dan alınan ihtiyaç kredisinde yüzde 0.99'dan başlayan faiz oranı uygulanıyor. Faiz oranı müşteri özellikleri, risk durumu, kredi tutarı, vadesi ve diğer kredi bilgilerine göre değişiklik gösterir. Bireysel ihtiyaç kredisi için talep edilecek belgeler banka aracılığıyla bildirilmiştir:
• Başvuru formu • Nüfus cüzdanı veya sürücü belgesi aslı ve fotokopisi • Gelir durumu belgesi
5. Burgan Bank İhtiyaç Kredisi
Burgan Bank standart ihtiyaç kredisi kapsamında 60 ay vadeye kadar yüzde 1.99 faiz oranıyla kredi veriyor. Burgan Bank müşterine ise aynı vade oranıyla yüzde 1.49 faiz imkanı sunuluyor.
6. Garanti BBVA İhtiyaç Kredisi
Vatandaşların ihtiyaçlarına uygun olarak verilen kredilerin faiz oranları yüzde 1.19 ile 1.49 arasında değişiklik gösteriyor. Bankaya başvuru talebini iletmek için gerekli olan belgeler listelenmiştir:
• Nüfus cüzdanı
• Gelir belgesi
• Emekli belgesi
• Firma belgeleri
7. Denizbank İhtiyaç Kredisi
Denizbank bünyesinde vatandaşlar yüzde 0.99'dan başlayan faiz oranlarıyla ihtiyaç kredisine kolayca başvurabilir, 60 aya varan vade imkanıyla krediyi kullanabilirler. Denizbank tarafından yapılan yasal uyarıda; banka nın onaylanan kredinin kullanımı için son kararı verme, kefil ve ek belge isteme, faiz oranını değiştirme haklarına sahip olduğu açık bir şekilde belirtilmiştir.
İHTİYAÇ KREDİSİ NEDİR?
İhtiyaç kredileri diğer kredilere göre daha ziyada düşük faizli 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.