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Üç kamu bankası Ziraat Bankası, Halkbank ve Vakıfbank koronavirüsle mücadele kapsamında finansal destek sağlamak amacıyla bireysel destek kredisi veriyor. Henüz krediye başvuru yapmamış olanlar ise Ziraat Bankası, Vakıfbank, Halkbank 10 bin TL destek kredisi başvurusu hakkında detayları araştırıyor. Peki, Ziraat Bankası, Vakıfbank, Halkbank destek kredisi başvuru su nasıl yapılır? İşte detaylar...
ZİRAAT BANKASI 6 AY ÖDEMESİZ KREDİ BAŞVURU NASIL YAPILIR?
Ziraat Bankası Bireysel Temel İhtiyaç Destek Kredisi başvuruları, mobil şubeler ve web sayfasından yap��lıyor.
ZİRAAT BANKASI BAŞVURU EKRANI İÇİN TIKLAYIN
VAKIFBANK 6 AY ÖDEMESİZ KREDİ BAŞVURU NASIL YAPILIR?
Bireysel Temel İhtiyaç Destek Kredisi başvuruları, mobil şubeler ve web sayfasından yapılıyor.
VAKIFBANK KREDİ BAŞVURU EKRANI İÇİN TIKLAYINIZ
HALKBANK BAŞVURUSU NASIL YAPILIR?
Halkbank'tan başvurulara ilişkin yapılan açıklama şu şekilde;
Halkbank İnternet Şubemize giriş yaparak; Başvuru Bireysel Kredi Başvurusu Kredi Türü: Tüketici Kredisi Kredi Alt Türü: Bireysel Temel İhtiyaç Destek Kredisi adımlarını izleyerek başvuruda bulunabilirsiniz. Halkbank Mobil Şubemize giriş yaparak; Başvuru Kredi Başvurusu Kredi Türü: Tüketici Kredisi Kredi Alt Türü: Bireysel Temel İhtiyaç Destek Kredisi adımlarını izleyerek başvuruda bulunabilirsiniz. 0 850 222 0 400 Halkbank Dialog'u arayarak Sesli yanıt sisteminde önceliklendirilmiş işlemler menüsünde 2 numaralı Bireysel Temel İhtiyaç Destek Kredisini seçerek başvuruda bulunabilirsiniz. Aralarında birer boşluk bırakarak "DESTEK, TC Kimlik No, Gelir Bilgisi, Talep Edilen Tutar" ( Örnek SMS Metni: DESTEK 12345678910 3000 10000 ) yazıp 3452'ye SMS gönderebilirsiniz.
KİMLER BAŞVURU YAPABİLECEK?
3 kamu bankasından 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.
ÖDEME NASIL OLACAK?
10.000 TL kredi ödemesi nasıl olacak? İlk 6 ay geri ödeme yok. Sonrasında 30 ay boyunca 376 lira ödenecek.
7.500 TL kredi ödemesi nasıl olacak? İlk 6 ay geri ödeme yok. Sonrasında 30 ay boyunca 282 lira ödenecek.
5.000 TL kredi ödemesi nasıl olacak? İlk 6 ay geri ödeme yok. Sonrasında 30 ay boyunca 188 lira ödenecek.
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.
ATM'DEN ÇEKİLEBİLECEK
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.
ÖRNEK ÖDEME TABLOSU
Kredi Tutarı (TL)
Toplam Vade
Ödemesiz Dönem
Taksit Tutarı (TL) (Sonraki 30 ay boyunca)
10.000
36 ay
6 ay
376
7.500
36 ay
6 ay
282
5.000
36 ay
6 ay
188