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\u00d6ncelikle e\u011fer \u0130htiya\u00e7 kredisi ba\u015fvurusu yapacaksan\u0131z, en ba\u015fta \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131z bankadan kredi ba\u015fvurusu yapman\u0131z\u0131 tavsiye ediyoruz. \u00c7\u00fcnk\u00fc \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131z banka devaml\u0131 en uygun faiz oran\u0131n\u0131 size sunacakt\u0131r. Faiz oranlar\u0131n\u0131 g\u00fcncel olarak veremiyoruz. \u00c7\u00fcnk\u00fc faiz oranlar\u0131 d\u00f6nemsel olarak de\u011fi\u015fmekte, Merkez bankas\u0131n\u0131n faiz politakas\u0131na g\u00f6re her an d\u00fc\u015febilir veya her an y\u00fckselebilir.<\/p>\n

\u0130htiya\u00e7 kredisi banka kredilerinde en y\u00fcksek riskli kredi oldu\u011fundan dolay\u0131 konut kredilerine ve ta\u015f\u0131t kredilerine g\u00f6re \u00f6denmeme riski y\u00fcksek oldu\u011fu i\u00e7in faiz oranlar\u0131 di\u011fer kredi t\u00fcrlerine g\u00f6re daha y\u00fcksektir. \u0130htiya\u00e7 Kredisi faiz oranlar\u0131 riske g\u00f6re y\u00fckselir veya d\u00fc\u015fer, \u00f6rne\u011fin kredi notunuz y\u00fcksekse bankalar size d\u00fc\u015f\u00fck kredi faizi verecektir. Kredi notunuz d\u00fc\u015f\u00fckse de faiz oranlar\u0131 y\u00fcksek \u00e7\u0131karacakt\u0131r. Detayl\u0131 bilgi i\u00e7in t\u0131klay\u0131n\u0131z<\/a>.<\/p>\n