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Ziraat, Halkbank ve Vakıfbank ihtiyaç, konut, taşıt ve esnaf kredisi faiz oranları hakkında detaylar vatandaşlar tarafından merak ediliyor. Haberimizde bu 3 büyük kamu bankası ile beraber diğer özel bankaların kredi faiz oranlarını verdik. Ziraat Bankası Halkbank ve Vakıfbank konut kredisi faiz oranları 0.79'a indirilmişti. 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 bankanın gerekli gördüğü bazı şartları sağlamanız gerekmektedir.
Bankaların Konut Kredisi Faizleri Kaç Oldu?
Ziraat Bankası Konut Kredisi Faizleri
Ziraat Bankası konut kredisi faizi 0.99'dan 0.79'a indirildi.
Halkbank Konut Kredisi Faizleri
Halkbank konut kredisi faiz i 0.99'dan 0.79'a indirildi.
Vakıfbank Konut Kredisi Faizleri
Vakıfbank konut kredisi faizi 0.99'dan 0.79'a indirildi.
YAPI KREDİ FAİZ ORANLARI
Bireysel ihtiyaç kredisi: 1.59 Konut kredisi: 1.05 Taşıt kredisi: 1.09
ING BANK FAİZ ORANLARI
İhtiyaç kredisi: 0.89 Konut kredisi: 0.94 Taşıt kredisi: 1.04
AKBANK FAİZ ORANLARI
Direkt kredi: 1.49 İhtiyaç kredisi: 1.45 Taşıt kredisi: 1.07 Konut kredisi: 0.95
İŞ BANKASI FAİZ ORANLARI
Konut kredisi: 1.75 Taşıt kredisi: 1.90 İhtiyaç kredisi (Anında kredi): 0.99
DENİZBANK FAİZ ORANLARI
İhtiyaç kredisi: 1.69 Tüketici kredisi: 1.69 Taşıt kredisi: 1.11
CEPTETEB HOŞ GELDİN FAİZLİ İHTİYAÇ KREDİSİ
Türkiye Ekonomi Bankası'nın sağlamış olduğu ihtiyaç kredisinin detayları aşağıdaki gibidir:
Minimum 3 ay, maksimum 60 ay vade süreleri ile kredi kullandırılmaktadır. Kullandırılabilecek olan kredi tutarı minimum bin TL, maksimum 30 bin TL'dir. Uygulanacak olan faiz oranı vade süresine göre değişiklik göstermektedir. 3 ay ile 24 ay vade sürelerinde aylık yüzde 0,99, 25 ay ile 36 ay vade sürelerinde aylık yüzde 1,05, 37 ay ile 60 ay arasındaki vade sürelerinde ise uygulanan faiz oranı aylık yüzde 1,60 oranındadır. Kredinin faiz oranı findeks notuna göre belirlenmektedir. Findeks notu 1850 ve üstü olan kişiler aylık yüzde 0,99 oranındaki hoş geldin faizinden faydalanabilirler. Kullandırılan krediden tutarın binde beşi kadar Kredi Tahsis Ücreti tahsil edilmektedir. Kullandırılan krediden sigorta masrafı tahsil edilmektedir. Sigorta masrfaları krediyi kullanan kişinin yaşına, kredi tutarına ve faiz oranına göre değişiklik göstermektedir.
QNB FİNANSBANK'TAN UYGUN FAİZLİ İHTİYAÇ KREDİSİ
QNB Finansbank'ın sağlamış olduğu ihtiyaç kredisinin kullanımına ilişkin detaylar aşağıdaki gibidir:
Minimum 3 ay, maksimum 60 ay vade süresi ile kredi kullandırılmaktadır. Kredinin alt limiti bin TL, üst limiti ise 65 bin TL'dir. Faiz oranı her vade süresi için aynı olup, aylık yüzde 0,99'dur. Kullandırılan kredi tutarının binde beşi kadar Kredi Tahsis Ücreti tahsil edilmektedir.
ŞEKERBANK'TAN NEFES ALDIRAN KREDİ
Şekerbank'ın sağladığı Nefes Aldıran Kredi, piyasadaki en düşük faiz li ihtiyaç kredisidir. Ödeme kolaylıkla ve düşük faiz oranlı bu ihtiyaç kredisine ilişkin detaylar ise aşağıdaki gibidir:
Minimum 3 ay, maksimum 60 ay vade ile kullandırılmaktadır. İhtiyaç kredisi türünde yer alan Nefes Aldıran Kredi'nin üst limiti 100 bin TL'dir. Kredinin faiz oranı aylık yüzde 0,89'dan hoş geldin faizi ile başlamaktadır. 3 ay ile 36 ay vade süresinde Nefes Aldıran Kredi'nin faiz oranı yüzde 0,99'dur. 37 ay ile 60 ay vade süresinde ise aylık yüzde 1,09 faiz oranı uygulanmaktadır. Kullanırılan kredi tutarınn binde beşi kadar Kredi Tahsis Ücreti tahsil edilmektedir. Kredi çekildikten sonra 3 ay taksit öteleme imkanı bulunmaktadır.
ING BANK İHTİYAÇ KREDİSİ
ING Bank'ın sağlamış olduğu ihtiyaç kredisi en düşük faizli krediler arasında yer alıyor. Başvuru kanalları aracılığı ile faydalanılabilecek olan ING ihtiyaç kredisine ilişkin detaylar ise aşağıdaki gibidir: Minimum 1 ay, maksimum 60 aya kadar vade ile kredi kullandırılmaktadır. Kredi alt limiti 2 bin TL, üst limiti ise 50 bin TL'dir. Faiz oranı her vade süresi için aylık yüzde 0,99'dur. Kullandırılacak olan kredi miktarının binde beşi kadar Kredi Tahsis Ücreti tahsil edilmektedir. Faiz oranı krediyi kullanacak olan kişinin findeks notuna göre belirlenmektedir. Aylık yüzde 0,99 faiz oranı, findeks notu 1850 ve üzeri olan kişiler için geçerlidir. Kişiye özel olarak faiz oranı uygulanmaktadır. ING ihtiyaç kredisinden ayrıca sigorta masrafı tahsil edilmektedir. Sigorta masrafı ise krediyi kullanacak olan kişinin yaşı ve kredi tutarına göre değişiklik göstermektedir.
TÜRKİYE İŞ BANKASI İHTİYAÇ KREDİSİ
Türkiye İş Bankası'nın sağlamış olduğu uygun faizli ihtiyaç kredisinin detayları aşağıdaki gibidir:Minimum 1 ay, maksimum 60 ay vade ile kredi kullandırılmaktadır. Kredi alt limiti 3 bin TL, üst limiti ise 100 bin TL'dir. Kredi için uygulanan aylık faiz oranı vade süresine göre değişiklik göstermektedir. 1 ay ile 24 ay vade sürelerinde aylık yüzde 0,99 faiz oranı uygulanırken, 25 ay ile 60 ay vade sürelerinde uygulanan aylık faiz oranı yüzde 1,05'tir. Faiz oranı krediyi kullanacak olan kişinin findeks notuna göre değişiklik gösterebilmektedir. Kullandırılacak olan kredi tutarının binde beşi kadar Kredi Tahsis Ücreti tahsil edilmektedir.
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. Bankalar 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.
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 bankanın 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.