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Kredi puan\u0131 Bankalar\u0131n, uzun y\u0131llard\u0131r m\u00fc\u015fterilerine kredi vermeden \u00f6nce ki\u015fi veya kurulu\u015flar\u0131n mali durumunu incelerken referans ald\u0131klar\u0131 ve kredi riskini hesaplarken kulland\u0131klar\u0131 \u00f6nemli bir referans notudur.<\/p>\n

T\u00fcketicilerin yakla\u015f\u0131k %50’si 675’in alt\u0131nda ve %50’si de 675’in \u00fcst\u00fcnde kredi notu<\/em> al\u0131r. T\u00fcrkiye’de hakk\u0131n\u0131zdaki kredi bilgileri Kredi Kay\u0131t B\u00fcrosunda taraf\u0131ndan tutulur. Kar\u015f\u0131l\u0131ks\u0131z \u00e7ek ve bat\u0131k kredi bilgileri de Kara Liste olarak T.C Merkez Bankas\u0131nda tutulur.<\/p>\n

Kara Liste; bankalar ve \u00f6zel finans kurulu\u015flar\u0131n\u0131n zaman\u0131nda \u00f6denmedi\u011fi icin zarar niteli\u011findeki krediler hesab\u0131na ald\u0131klar\u0131 kredilerin sahiplerine ait bilgileri i\u00e7erir. Bankalar Kara Listede ismi yer alanlar\u0131n kredi istemlerini reddeder. Merkez Bankas\u0131, s\u00f6z konusu listeye al\u0131nan isimlerden borcunu daha sonra \u00f6deyenleri \u00fc\u00e7 y\u0131l sonra, \u00f6demeyenleri ise be\u015f y\u0131l sonra Kara Listeden \u00e7\u0131kar\u0131r. $\"kredi$ <\/a><\/p>\n