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1 yıllık süreçte pek çok bankanın kredi faizinde indirime gittiği ve on binlerce kişinin kredi çekmek için başvuruda bulunduğu görülüyor. Ayrıca son olarak kamu bankaları tarafından sunulan bireysel destek ihtiyaç destek kredisine milyonlarca kişi başvurarak kredisini çekti. Bayram öncesi nakit ihtiyacı olanlar için bazı bankalar tarafından kredi kampanyaları açıkladı. Konut ve araç sahibi olmak isteyenler bu kapsamda güncel faiz oranlarını inceleyerek güncel oranlar hakkında bilgi sahibi olmak istiyor. Kredi faiz oranları nın düşürülüp düşmeyeceğine dair ise henüz bankalardan bir açıklama gelmedi. Bilindiği üzere belirli tarihler aralığında bankalar oranlarda değişim yapabiliyor. İşte bankalar tarafından sunulan güncel fırsatlar...
KREDİ FAİZ ORANLARI NE KADAR OLDU?
Son olarak yakın zamanda konut kredisi faizini indiren 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. 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: 1,09 Konut kredisi: 0,95 (120 aya kadar)
KAMU BANKALARINDAN BİREYSEL İHTİYAÇ DESTEK KREDİSİ İMKANI
Ziraat, Halkbank ve Vakıfbank tarafından hane halkı geliri 5 bin TL'nin altında olan vatandaşlara temel ihtiyaç kredisi imkanı sunuldu. Başvurular bankalar tarafından 1 Nisan'dan bu yana alınmaya devam ediyor. Kamu bankalarının müşterileri sadece bir bankaya başvurarak 10 bin liraya kadar, 6 ayı ödemesiz dönemli, 36 aya kadar vadeli, aylık eşit taksitli kredi alabilecek.
ZİRAAT BANKASI BAŞVURU EKRANI İÇİN TIKLAYINIZ
HALKBANK BAŞVURU EKRANI İÇİN TIKLAYINIZ
VAKIFBANK KREDİ BAŞVURU EKRANI İÇİN TIKLAYINIZ
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.
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
BAYRAM KREDİSİ VEREN BANKALAR HANGİLERİ?
* İş Bankası
* Akbank
*Yapı Kredi
GARANTİ BBVA'DAN BAYRAM KREDİSİ KAMPANYASI
Garanti BBVA, çalışanların, esnafın ve emeklilerin Ramazan Bayramı öncesi artan ihtiyaçlarını kolayca ve en uygun şartlarda karşılayabilmesi amacıyla, yüzde 0,99'dan başlayan faiz oranı ve 60 aya varan vadelerle bayram kredisi kampanyası başlattı.
Bankadan yapılan açıklamaya göre, ihtiyaçların arttığı bu zor dönemde de müşterilerinin yanında olan Garanti BBVA, yüzde 0,99'dan başlayan faiz oranı ve 60 aya varan vadelerle bayram kredisi sunuyor.
Kampanyadan yararlanmak isteyenler, Garanti BBVA Mobil, Garanti BBVA İnternet, Garanti BBVA Şubeleri ve 444 0 335 Garanti BBVA Anında Kredi Hattı'ndan kolayca kredi başvurusunda bulunabiliyor.
YAPI KREDİ'DEN BAYRAMA ÖZEL 3 AY ERTELEMELİ İHTİYAÇ KREDİSİ
Yapı Kredi, Ramazan Bayramı için sunduğu 3 ay ertelemeli Bayram Kredisi ile kredi kullanan müşterilerine taksit ödemelerini eylül ayına kadar erteleme imkanı sağlıyor.
Bankadan yapılan açıklamaya göre, Yapı Kredi müşterilerini bayramda da yalnız bırakmıyor.
Açıklamada görüşlerine yer verilen, Yapı Kredi Genel Müdür Yardımcısı Serkan Ülgen, "Küresel olarak zorlu bir süreçten geçiyoruz. Salgın sebebiyle içinde bulunduğumuz bu zor dönemde de müşterilerimize destek olmak ve ülkemize hizmet etmek adına sınır tanımadan var gücümüzle çalışıyoruz. Yapı Kredi olarak, 3 aya varan ertelemeli ödeme seçenekleriyle sunduğumuz taşıt kredisi ve aylık yüzde 0,89 faizli konut kredisinin yanı sıra Ramazan Bayramı'nda da 3 ay ertelemeli ihtiyaç kredisiyle müşterilerimizin yanındayız. Her zaman olduğu gibi bu zor dönemde de müşterilerimizin ihtiyaçlarına yönelik ürünler geliştirerek onları desteklemeye ve ülke ekonomisine katkı sağlamaya devam edeceğiz." ifadelerini kullandı.
Yapı Kredi müşterileri Bayram Kredisi için başvurularını evden çıkmadan, Yapı Kredi Mobil ve İnternet Şubesi gibi dijital kanalların yanı sıra, 444 0 444 numaralı Müşteri İletişim Merkezi'nden de hızla ve kolayca yapabiliyor.
İŞ BANKASI BAYRAM KREDİSİ BAŞVURU NASIL YAPILIR?
İş Bankası tarafından size özel belirlenen faiz oranıyla, 50.000 TL'ye kadar 60 aya varan vadeler ve 3 aya kadar geri ödemesiz dönemli "Anında Bayram Kredisi başvuruları başladı.
İşCep'ten Anında Bayram Kredisi başvurusu;
"Krediler" > "Anında Kredi Başvuru" veya "Başvurular" > "Kredi" > "Anında Kredi" adımlarını takip ederek
İnternet Şubesi'nden Anında Bayram Kredisi başvurusu;
"Kredilerim" > "Anında Kredi" veya "Başvuru-Ürünler" > "Anında Kredi" adımlarını takip ederek hızlı ve kolayca yapabilirsiniz.
Anında Bayram Kredisi ile bu döneme özel ihtiyaçlarınızı karşılayabilir, dilerseniz ilk taksitinizi krediyi kullandığınız tarihten 3 ay sonra olacak şekilde belirleyebilir, üstelik kredinizi eşit taksitlerle geri ödeyebilirsiniz.
İŞ BANKASI BAYRAM KREDİSİ BAŞVURU EKRANI İÇİN TIKLAYIN
AKBANK 3 AY ERTELEMELİ KREDİ BAŞVURU NASIL YAPILIR?
Başvurular Akbank şubesi, 7/24 Akbank Mobil uygulaması, 444 25 25 Müşteri İletişim Merkezi aracılığıyla yapılabiliyor.
BAYRAM KREDİSİ BAŞVURULARI BAŞLADI
Akbank, yüzde 0,99'dan başlayan faizlerle "Ramazan Bayramına Özel İhtiyaç Kredisi" kampanyası başlattı.
Akbank'tan yapılan açıklamaya göre, kampanya kapsamında Akbank'tan ihtiyaç kredisi kullanacak Akbank müşterileri, kredilerinin ilk taksitlerini de 3 aya kadar erteleyebilecek.
Açıklamada görüşlerine yer verilen Akbank Perakende Bankacılık Genel Müdür Yardımcısı Bülent Oğuz, şunları kaydetti:
"Olağanüstü günlerden geçtiğimiz bu dönemde her türlü kolaylığı müşterilerimize sunmak birinci vazifemiz. Müşterilerimiz sevdiklerinin fiziken yanında olamasa da biz Akbank olarak bu bayramın buruk geçmemesi için elimizden geleni yapmaya hazırız ve bu amaçla her zaman olduğu gibi bu dönemde de müşterilerimizin yanındayız.
Müşterilerimizin ihtiyaçlarını karşılamaları için yüzde 0,99'dan başlayan faiz oranlarıyla ve bütçelerine uygun farklı ödeme seçenekleri ile kredi kullanma imkanı sunuyoruz. Kredi kullanmak isteyen müşterilerimiz 7/24 Akbank Mobil aracılığıyla kredi başvurularını yapabilir ya da dilerlerse 444 25 25 Müşteri İletişim Merkezi'mizi arayabilir veya kendilerine en yakın Akbank şubesi ile kolayca iletişime geçebilirler."
ING KREDİSİ
Banka tarafında 3 Ay Ertelemeli Kredi kapsamında faiz oranı %0,79, Masraf 25,00 TL ve Aylık Taksit ise 233,91 TL olarak Toplam Ödeme:5.638,84 TL verilmektedir.
ING KREDİ BAŞVURUSU İÇİN TIKLAYIN