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Kredi faiz oranlarında güncelleme yapıldı. Milyonlarca vatandaş ev, araba ve nakit ihtiyacını gidermek için 30 Nisan konut, taşıt ve ihtiyaç faiz oranlarını araştırıyor. Bu bağlamda banka ların yaptığı güncelleme sonrasında en uygun konut kredisi faiz oranı yüzde 0.86 seviyesine çekildi. Yapı Kredi 'nin sunduğu bu fırsattan faydalanmak isteyenler, kredi tutarı üst limiti olmadan, 120 aya kadar tüm vadelerde aylık yüzde 0,89 faiz oranlı konut kredisi kullanabilecek. 120 ay vadeli konut kredisi çekmek isteyen kişiler için sıfır konut almak istemeleri halinde en uygun konut kredisi faiz oranı halen devlet bankaları arasında yer alan Ziraat Bankası, Halkbank ve Vakıfbank tarafından yüzde 0.79 olarak uygulanıyor. İşte banka banka faiz oranları...
KREDİ FAİZ ORANLARINDA İNDİRİM MÜJDESİ
Bu çerçevede konut kredisi faiz ini indiren banka nın, sunduğu bu fırsattan faydalanmak isteyenler, kredi tutarı üst limiti olmadan, 120 aya kadar tüm vadelerde aylık yüzde 0,89 faiz oranlı konut kredisi kullanabilecek. Aynı zamanda, kampanya kapsamında Yapı Kredi müşterilerine, farklı ödeme plan ve seçenekleri de oluşturulabilecek.
ZİRAAT BANKASI KREDİ FAİZ ORANLARI
Taşıt kredisi: 0,96 Tüketici kredisi: 1,05 Konut kredisi: 0,94
HALKBANK KREDİ FAİZ ORANLARI
Taşıt kredisi: 0,94 İhtiyaç kredisi: 1,07 Konut kredisi: 0,94
VAKIFBANK KREDİ FAİZ ORANLARI
İhtiyaç kredisi: 1,05 Konut kredisi: 0,94
GARANTİ BBVA KREDİ FAİZ ORANLARI
Taşıt kredisi: 1,34 İhtiyaç kredisi: 1,19 Konut kredisi: 1,09
AKBANK KREDİ FAİZ ORANLARI
Taşıt kredisi: 1.11 (0 km) 1,13 (2.el araçlarda) İhtiyaç kredisi: 1,45 Konut kredisi: 0,99
QNB FİNANSBANK KREDİ FAİZ ORANLARI
Taşıt kredisi: 1,45 İhtiyaç kredisi: 1,04 Konut kredisi: 1,28
TEB KREDİ FAİZ ORANLARI
Taşıt kredisi: 1,09 İhtiyaç kredisi: 1,14 Konut kredisi: 0,99
ING KREDİ FAİZ ORANLARI
Taşıt kredisi: 1,09 İhtiyaç kredisi: 0,99 Konut kredisi: 0,99
İHTİYAÇ KREDİSİ NEDİR?
İhtiyaç kredileri diğer kredilere göre daha ziyada düşük faiz li ve kısa vadeli kredilerdir. Bu tip krediler için son dönemde banka ların 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 borç tan 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 NASIL ALINIR?
Konut kredisi, satın alınacak evin teminat altına alınması koşuluyla banka lar tarafından verilen bir kredi türü. Kredinin vadesi genellikle sabit faiz oranlarıyla 5 ila 30 yıl arasında değişebiliyor. Konut kredisine başvurmak için satın almak istediğiniz konuta karar verdikten sonra kredi imkanları sunan bankaları araştırmanız gerekir. Sizin için en uygun faiz oranlarını sunan bankaları araştırmanız ve başvurmanız gerekecektir. Kredi başvurunuz onaylandıktan sonra artık devreye gayrimenkul değerlendirme uzmanları giriyor. Uzmanlar, satın almak istediğiniz evin değerini belirledikten sonra, evin değerinin dörtte birini peşinat ödemesi olarak vermeniz gerekir. Yasalar gereği, belirlenen ekspertiz değerinin %70-75'ine kadar konut kredisi verilebiliyor. Evin kalan %25'lik ücreti içinse peşinatınız olması gerekir. Sözleşmeniz süresince belirlenen faiz oranı ve vade üzerinden aylık olarak ödemelerinizi gerçekleştirebilirsiniz.
Kredi Alabilmek İçin Gereken Belgeler
Yaptığınız kredi başvurusu ön onay aldığında ikinci adım olarak gerekli belgelerle bankaya gitmeniz gerekir. Konut kredisi için banka tarafından nüfus cüzdanı, ikametgah ve gelir beyanı olmak üzere üç temel belge talep edilir. Düzenli bir geliriniz olması halinde başvurunuzun onaylanması ihtimali oldukça yüksektir. Daha önceki kredi borcu nedeniyle hakkında banka takip kararı olan kişiler ise kredi alamazlar.
Konut kredilerinde ipotek uygulaması söz konusu olduğu için kefil istenmez. Eğer başvuran kişi yeterli bir gelire sahip değilse o zaman kefil uygulaması devreye girebilir.
Hangi Evler Konut Kredisine Uygundur?
Ev kredisi alabilmek için satın almak istediğiniz konutun kat mülkiyet tapusu olması gerekir. İnşaat ya da projeden satın alınan konutlar içinse kat irtifakı tapusu olması şartı aranır.
Konut kredisiyle aldığınız eviniz, banka tarafından ipotekli olduğu için kredi ödemesi tamamlanmayan dairenizi ancak üzerindeki ipotekle satabilirsiniz.
Çoğu vergiden muaf olan konut kredisi avantajlı bir kredi türü. Alacağınız krediyi kısa vadede ödemek size daha az faiz ödemenizi sağlar. Kredinin ödeme günlerini kendinize ve gelir durumunuza göre belirlemelisiniz, bu aynı zamanda vadeyi de belirlemiş olacaktır. Eğer başka bir ev için yine bir konut kredisi çekmek isterseniz mümkündür, ancak bu durum banka taktirine göre değişiklik gösterir.
Hangi Durumlarda Konut Kredisi Kullanılamaz?
Konut kredisi çekebilmek için alınacak konutun niteliğinin mesken olarak geçmesi gerekmektedir. Arsa, dükkan, depo vb. niteliklere sahip tapulara konut kredisi verilmemektedir.
Alınacağınız konut kanun ve yönetmeliklere uygun yapılmadıysa konut kredisi çekemezsiniz. Kat mülkiyetine sahip olması bu sebeple önemlidir. Öte yandan konutun kat irtifakı var ise de Yapı Kullanma İzin Belgesi sahip olması gereklidir.
Akrabanızdan konut almak istiyorsanız, konut kredi çekemezsiniz. Bunun nedeni yapılan satışın finansman olarak görülmesidir. Bankalar çözüm olarak Bireysel Finansman Kredisi sunmaktadır.
Konutun değerlendirilmesi için gönderilen gayrimenkul değerlendirme uzmanı evin tamamlanıp tamamlanmadığına da bakacaktır. Raporda konutun tamamlanmış olarak gösterilmesi konut kredisi kullanımı için önemlidir. Alınacak konut en az %80 tamamlanmış olması gereklidir. Tamamlanma deyimi çatı, dış kaplama, kapı ve pencerelerinin takılmış olması olarak ifade edilebilir.