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Konut sahibi olmak isteyenler için en önemli adımlardan biri, uygun faizli konut kredisi seçeneğini bulmaktır. Özellikle kamu bankalarının sunduğu kredi fırsatları yakından inceleniyor. Farklı bankaların sunduğu faiz oranları ve ödeme koşulları arasında karşılaştırma yapmak, en uygun seçeneği bulmanın anahtarıdır. İşte önde gelen bazı bankaların konut kredisi faiz oranları...
HALKBANK
Hesaplı Evim Konut Kredisi
Nedir?
Bütçenize en uygun vade ve ödeme seçenekleri sunarak, ev sahibi olmanıza imkân tanıyan kredimizdir.
Tutar ve Ödeme Koşulları
Size özel avantajlı faiz oranları sunan konut kredimiz ile taksit ödemelerinizi ister aylık eşit taksitlerle, isterseniz kendi belirleyeceğiniz tutarlarla yapabilirsiniz.
Toplam maliyet oranları örnek vade ve tutar üzerinden hesaplanmıştır. (*)Diğer Masraflar; Ekspertiz ücreti 6850 TL ve ipotek tesis ücreti 1560 TL'dir. Ekspertiz ücreti avans olarak tahsil edilir. Konutun lokasyonu ve metrekaresine göre değişiklik göstermektedir. Ekspertiz hizmeti veren kuruluşa ödenen fatura tutarı tahsil edilir. Tahsis ücreti, Banka Sigorta Muamele Vergisi (BSMV)'nden muaftır.
Kredi faiz oranları; Bankamızdan en az taksit tutarı kadar Açık Hesap açtıran, en az üç adet otomatik ödeme talimatı veren, Bankamız kredi kartına sahip olan ya da onaylanmış kredi kartı bulunan, İnternet/Mobil/Dialog şube üyeliklerini yaptıran, Bankamızdan Hayat Sigortası, DASK, Konut Sigortası yaptıran, ilave olarak; BES, Her Şeye Hazırım Ferdi Kaza Sigortası, Cankurtaran Sağlık Sigortası, Riskli Hastalıklar Sigortası, Tamamlayıcı Sağlık Sigortası, Kredi İşsizlik Sigortası ürünlerinden en az üç tanesi tanımlanan ve Hesaplı Bankacılık Masraf Paketine sahip olan müşterilerimiz için geçerlidir.
Hayat sigortası primi, müşterinin yaşı ve kredi tutarına bağlı olarak değişmekte olup, 100.000 TL 120 ay vadeli kredi kullanan 35 yaşında müşterimiz için bir yıllık sigorta primi 248,44 TL' dir. Halkbank , gerektiğinde kredi şartlarında değişiklik yapma ve kredi kullandırımını durdurma hakkını saklı tutar.
ZİRAAT BANKASI
Bugünün Evini Yarına Bırakma!
Bankamız Konut Kredisi 'ne hemen başvurun, 120 aya kadar vade imkânı ile hayalinizdeki evin sahibi olun.
Azami 120 aya kadar vade ile konut kredisi kullanabilirsiniz.
Kredi tutarı, satın alınacak konutun SPK lisanslı ekspertiz firmalarınca düzenlenen ekspertiz raporundaki değeri üzerinden, BDDK tarafından belirlenen azami kredi tutarlarına/oranlarına göre belirlenmektedir.
Krediye konu gayrimenkul üzerine ipotek tesis edilir. Gerekli görülmesi halinde ek teminat talep edilebilir.
Bankamız, bireysel kredi kullanan müşterilerine hayat, konut ve zorunlu deprem sigortası* ürünlerini sunmaktadır.
*Hayat Sigortası ürünleri Türkiye Hayat ve Emeklilik A.Ş., konut ve zorunlu deprem sigortası ürünleri ise Türkiye Sigorta A.Ş. tarafından sunulmakta olup, Ziraat Bankası Şubeleri Türkiye Hayat ve Emeklilik A.Ş. ile Türkiye Sigorta A.Ş. acentesidir.
VAKIFBANK
SarıPanjur Ev Kredisi
Yıllardır hayalini kurduğunuz o eve sahip olmanın şimdi tam zamanı
VakıfBank, uzun vade seçenekleri ve uygun faiz oranlarıyla sizi sıkıntıya sokmadan ev sahibi yapıyor.