Ziraat, TEB, Finansbank, Şekerbank, İNG, ve İş Bankası bireysel ihtiyaç kredilerinde 0,99 faiz oranı uyguluyor. Ziraat bankası, TEB, Finansbank, İNG ve iş bankası bireysel kredi faiz oranları birçok kişi tarafından merak edilerek araştırılıyor.
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Ziraat, TEB, Finansbank, Şekerbank, İNG, ve İş Bankası bireysel ihtiyaç kredilerinde 0,99 faiz oranı uyguluyor. Ziraat bankası, TEB, Finansbank, İNG ve iş bankası bireysel kredi faiz oranları birçok kişi tarafından merak edilerek araştırılıyor.
Yalnızca reel kişiler bu krediyi kullanabilmektedir. Bireysel kredilerde 0,99'a varan faizler oranları ile kredi çekme fırsatını bulabilirsiniz. Böylelikle ihtiyaç krediler sayesinde düğün, eğitim, tatil, gıda ya da alışveriş gibi her türlü nakit ihtiyaçlarınızı karşılayabilir ve kredi fırsatı sayesinde güçlük çekmezsiniz. Üstelik sizler için sunulan ödeme kolaylığı sayesinde taksitlendirme fırsatı ile kredi borçlarınızı kolay bir şekilde ödeme fırsatını bulabileceksiniz.
QNB Finansbank'tan Uygun Faizli İhtiyaç Kredisi
QNB Finansbank sayesinde ihtiyaç kredisi çekerek ihtiyaçları çok uygun bir şekilde karşılayabilirsiniz. Finansbank ile minimum 3 ay maksimum ay vade süresi ile kredi çekebilirsiniz. En alt limit bin TL iken, üst limit olarak 65 bin TL olarak belirlenmiştir. Faiz oranı ise aylık yüzde 0,99 olarak belirlenmiştir.
Şekerbank'tan Nefes Aldıran Kredi Fırsatı
Şekerbank'ın sağlığı nefes aldıran kredi fırsatı ile son zamanlarda piyasadaki en düşük faiz oranına sahip ihtiyaç kredisinin sahibi olabilirsiniz. Üstelik ödeme kolaylığı ve düşük faizi ile birlikte pek çok kişi tarafından tercih edilmektedir. Minimum 3 ay, maksimum 60 ay vade imkanı sunmaktadır.
İhtiyaç kredi türünün en üst limiti olarak 100 bin TL belirlenmiştir. Kredi faiz oranı aylık 0,89 hoş geldin faizi ile birlikte sunulmaktadır. Aynı zamanda 3 ay ile 3 ay arasında ödeme yapmak isteyen kişiler için faiz oranı yüzde 0,99 iken, 37 ile 60 ay arasında faiz oranı 1,09 olarak uygulanıyor.
ING Bank İhtiyaç Kredisi
ING Bank'ın sunmuş olduğu ihtiyaç kredileri en düşük faizli kredileri veren bankalar arasında bulunmaktadır. Başvuru kanalları aracılığı ile faydalanabilir ve ING İhtiyaç kredisine ilişkin detaylı bilgileri haberimizden öğrenebilirsiniz…
Minimum 1 ay, maksimum yaklaşık 60 aya kadar vade imkanı sunarak kredi fırsatını sizlere en iyi şekilde ING bank sunmaktadır. Kredi alt limiti 2 bin TL olarak belirlenmesiyle birlikte en üst limit ise 50 bin TL olarak belirlenmiştir. Faiz oranı değişkenlik göstermemektedir her vade süresi için 0,99'dur.
Türkiye İş Bankası İhtiyaç Kredisi
Türkiye İş bankası müşterileri için en uygun faiz oranına sahip ihtiyaç kredisini müşterilerine sunmaktadır. Minimum 1 ay, maksimum 60 ay vade imkânı ile ödeme kolaylığı sağlamaktadır. Kredi limiti ise 3 Bin TL olarak belirlenmesiyle birlikte en üst limit olarak ise 100 bin TL belirlenmiştir.
Aynı zamanda Türkiye İş bankası faiz oranı vade süresine göre değişkenlik göstermektedir. 1 ay ile 24 ay vadeli kredi imkânı sunan Türkiye İş bankası 0,99 faiz oranı uygularken, 2 ay ile 0 ay arasında ise aylık faiz oranı 1,05 olarak belirlenmiştir.
Aynı zamanda faiz oranı başvuru yapan kişinin findeks notuna göre de değişkenlik gösterme ihtimali bulunmaktadır. Böylelikle kullandırılacak kredi tutarı yaklaşık binde beşi kadar kredi tahsis ücreti tahsil edilmesi gerekmektedir.
RAMAZAN BAYRAMI KREDİ VEREN BANKALAR
Denizbank,
Vakıflar Bankası,
Türkiye Ekonomi Bankası,
T.C. Ziraat Bankası,
Halk Bankası,
Garanti Bankası,
Denizbank,
Odeabank
BAYRAM KREDİLERİ NEDEN AVANTAJLI?
Kampanya olduğundan daha düşük faiz ödersiniz.
Bayrama özel erteleme fırsatından yararlanabilirsiniz.
Kampanya dahilinde dosya masrafı ödemezsiniz.
Bayram kredisi veren bankaların kampanyalarını karşılaştırabilir, en düşük faizi tespit edebilirsiniz.
Yılbaşı ve özel günlerde verilen bu krediler bankaların mevduat toplam durumlarına göre hesaplanmakta faiz oranları ve vadeleri buna göre belirlenmektedir.
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.