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{"id":2690,"date":"2016-09-19T10:13:29","date_gmt":"2016-09-19T10:13:29","guid":{"rendered":"http:\/\/bankakredinotu.net\/?p=2690"},"modified":"2016-09-29T09:04:53","modified_gmt":"2016-09-29T09:04:53","slug":"ev-hanimlarina-kredi-veren-bankalar","status":"publish","type":"post","link":"https:\/\/bankakredinotu.net\/ev-hanimlarina-kredi-veren-bankalar-2690","title":{"rendered":"Ev Han\u0131mlar\u0131na Kredi Veren Bankalar"},"content":{"rendered":"

Kredi, bireylerin ihtiya\u00e7lar\u0131 do\u011frultusunda bankadan talep ettikleri ve bankalar\u0131n da talep do\u011frultusunda incelemeler yaparak sa\u011flad\u0131\u011f\u0131 finans deste\u011fidir. Bankalar <\/a>kredi verirken belirli kriterlere bakmaktad\u0131r. Bu kriterler do\u011frultusunda, ev han\u0131mlar\u0131 kredi \u00e7ekebilir mi<\/strong>, \u00e7al\u0131\u015fmayan ev han\u0131mlar\u0131na kredi veren bankalar nelerdir<\/strong>, ev han\u0131mlar\u0131na \u00f6zel krediler<\/strong> hangileridir sorular\u0131na cevap aranmaktad\u0131r. Krediler bir anlamda o anki ihtiyac\u0131 kar\u015f\u0131layarak olumlu g\u00f6z\u00fckse de \u00f6te yandan gelen faizlerle birlikte geri \u00f6deme toplam\u0131na bak\u0131ld\u0131\u011f\u0131nda olumsuz olarak da kar\u015f\u0131m\u0131za \u00e7\u0131kmaktad\u0131r.<\/p>\n

\u00d6ncelikle ev han\u0131m\u0131 olsan\u0131z da olmasan\u0131z da bankalar\u0131n bakt\u0131klar\u0131 ilk kriter 18 ya\u015f\u0131n\u0131 doldurmas\u0131 ve T\u00fcrkiye Cumhuriyeti vatanda\u015f\u0131 olmas\u0131d\u0131r. Bu iki unsuru bar\u0131nd\u0131ran ki\u015filerin daha sonra bankaya finansal ge\u00e7mi\u015fi ile g\u00fcven vermesi gerekmektedir ( kredi notu<\/a> ) . Bu kriterlerin d\u0131\u015f\u0131nda gelir durumu da 2013 y\u0131l\u0131ndan sonra daha da \u00f6nem ta\u015f\u0131maktad\u0131r. Bu kriterlerin d\u0131\u015f\u0131nda bankalar\u0131n de\u011fi\u015fkenlik g\u00f6steren ve ki\u015fide arad\u0131klar\u0131 unsurlar de\u011fi\u015fmektedir.<\/p>\n

Ev Han\u0131mlar\u0131 Nas\u0131l Kredi \u00c7ekebilir ?<\/strong><\/p>\n

Genellikle ev han\u0131mlar\u0131n\u0131n bir kazanc\u0131 olmad\u0131\u011f\u0131ndan dolay\u0131 bankaya bir gelir belgesi sunamamaktad\u0131r. Bu durumda, bankalar ev han\u0131mlar\u0131n kredi<\/em> verir mi ? Bankalar\u0131n kredi verirken bakt\u0131klar\u0131 \u00f6nemli unsurlardan olan gelir belgesi olmasa bile, ev han\u0131mlar\u0131 g\u00f6sterecekleri bir kefil, ta\u015f\u0131nmaz veya e\u015finin gelir belgesi referans\u0131 ile kredi \u00e7ekebilirler.<\/p>\n

\"evhanimikredi2\"<\/a><\/p>\n

Ev Han\u0131mlar\u0131na Kredi Veren Bankalar Hangileridir ?<\/strong><\/p>\n

Her banka ev han\u0131mlar\u0131na kredi<\/strong> vermemektedir. Denizbank, ING Bank, Bankpozitif, Garanti Bankas\u0131, \u0130\u015f Bankas\u0131 ve Yap\u0131 Kredi Bankas\u0131 ev han\u0131mlar\u0131na kredi veren bankalardand\u0131r. Her bankan\u0131n arad\u0131\u011f\u0131 \u015fartlar farkl\u0131l\u0131k g\u00f6stermektedir.<\/p>\n

 <\/p>\n

\"denizbankkredi\"<\/a><\/p>\n

Denizbank Ev Han\u0131mlar\u0131na \u00d6zel Kredi<\/strong><\/p>\n

Ev han\u0131mlar\u0131na kredi<\/strong> veren bankalar aras\u0131nda olan Deniz Bank, \u201cev han\u0131mlar\u0131na hayat deniz\u2019de kolay \u201d slogan\u0131 ile sundu\u011fu kredide baz\u0131 belgeler istemektedir. Bunlar, n\u00fcfus c\u00fczdan\u0131 fotokopisi, ikametgah ya da ad\u0131na kay\u0131tl\u0131 fatura d\u00f6k\u00fcm\u00fc ve e\u015flerine ait gelir belgesi.<\/p>\n

Denizbank \u00d6rnek Kredi Tablosu<\/u><\/p>\n\n\n\n\n\n\n\n
Kredi Miktar\u0131 (TL)<\/strong><\/td>\nVade (ay)<\/strong><\/td>\nFaiz Oran\u0131 (%)<\/strong><\/td>\nAyl\u0131k Taksit (TL)<\/strong><\/td>\nTahsis \u00dccreti (TL)<\/strong><\/td>\nSigorta ve Vergi (TL)<\/strong><\/td>\nAyl\u0131k Maliyet Oran\u0131 (%)<\/strong><\/td>\nY\u0131ll\u0131k Toplam Maliyet
\nOran\u0131 (%)<\/strong><\/td>\n<\/tr>\n<\/thead>\n
10.000 TL<\/td>\n12<\/td>\n1.55%<\/td>\n937 TL<\/td>\n50 TL<\/td>\n86 TL<\/td>\n2.1678%<\/td>\n26.0130%<\/td>\n<\/tr>\n
10.000 TL<\/td>\n24<\/td>\n1.59%<\/td>\n523 TL<\/td>\n50 TL<\/td>\n116 TL<\/td>\n2.1787%<\/td>\n26.1441%<\/td>\n<\/tr>\n
10.000 TL<\/td>\n36<\/td>\n1.59%<\/td>\n387 TL<\/td>\n50 TL<\/td>\n151 TL<\/td>\n2.1617%<\/td>\n25.9407%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Denizbank Kredi Ba\u015fvurusu Nas\u0131l Yap\u0131l\u0131r ?<\/strong><\/p>\n

Denizbank\u2019tan kredi ba\u015fvurusu yapan ev han\u0131mlar\u0131n\u0131n \u00f6ncelikle gerekli belgeleri haz\u0131rlamalar\u0131 gerekmektedir. Belgelerin eksiksiz olarak haz\u0131rlanmas\u0131ndan sonra en yak\u0131n Denizbank \u015fubesine ba\u015fvuruda bulunman\u0131z yeterlidir. \u015eubeden dolduraca\u011f\u0131n\u0131z form ve belgeler ile birlikte teslim edildikten sonra banka taraf\u0131ndan de\u011ferlendirilerek size olumlu veya olumsuz d\u00f6n\u00fc\u015f sa\u011flanacakt\u0131r.<\/p>\n

\"ingbankkredi\"<\/a>\u0130NG Bank Ev Han\u0131mlar\u0131na \u00d6zel Kredi<\/strong><\/p>\n

ING Bankas\u0131 da ev han\u0131mlar\u0131na kredi<\/strong> imkan\u0131 sunan bankalar aras\u0131ndad\u0131r. \u0130NG Bank\u2019tan kredi m\u00fcracaat\u0131 yapman\u0131z i\u00e7in gerekli belgeler, \u00a0T\u00fcrkiye Cumhuriyeti vatanda\u015f\u0131 oldu\u011funuza dair herhangi bir kimlik belgesi, adresinizi ispat eden bir \u00a0ikametgah belgesi ve ev han\u0131m\u0131n\u0131n e\u015fine ait gelir belgesi.<\/p>\n

\u0130NG Bankas\u0131 kredi ba\u015fvurusu<\/strong> i\u00e7in ev han\u0131mlar\u0131n\u0131n \u00f6ncelikle istenen belgeleri tamamlamas\u0131 ard\u0131ndan en yak\u0131n \u0130NG Bank \u015fubesine giderek, kredi ba\u015fvuru formunu doldurmalar\u0131 gerekmektedir. Kredi ba\u015fvurusu sonras\u0131 banka taraf\u0131ndan bilgilendirme sa\u011flanarak kredi ba\u015fvurunuz sonu\u00e7land\u0131r\u0131lacakt\u0131r.<\/p>\n

\"isbankkredi\"<\/a><\/p>\n

 <\/p>\n

\u0130\u015f Bankas\u0131ndan Ev Han\u0131mlar\u0131na \u00d6zel Kredi<\/strong><\/p>\n

Ev han\u0131mlar\u0131na y\u00f6nelik kredi imkan\u0131 sunan bankalardan olan \u0130\u015f Bankas\u0131 ev han\u0131mlar\u0131na kredi<\/strong> f\u0131rsat\u0131ndan, i\u015f cepten veya \u015fubelerden ba\u015fvuru yapabilirsiniz. \u0130\u015f Bankas\u0131 cepten ba\u015fvurularda \u00f6ncelikle bir belge istememektedir fakat olumlu yan\u0131tlanmas\u0131 durumunda belge istenebilir. \u015eubeye giderek ba\u015fvuruda bulunacaksan\u0131z istenen belgeler:<\/p>\n