Taksitlendirmede 12 ay D\u00f6nemi Ba\u015flad\u0131<\/strong><\/li>\n<\/ul>\nKredi kartlar\u0131 ile ger\u00e7ekle\u015ftirilen mal ve hizmet al\u0131mlar\u0131 ile taksitli nakit avans gibi nakit \u00e7ekimlerinde taksit s\u0131n\u0131r\u0131 9 aydan 12 aya \u00e7\u0131kar\u0131ld\u0131. Taksitlendirme detaylar\u0131; kuyumculuk sekt\u00f6r\u00fcnde ki harcamalarda 4 ay, elektronik e\u015fya sekt\u00f6r\u00fcnde ve bilgisayar al\u0131m\u0131 gibi al\u0131\u015fveri\u015flerde 6 ay, sa\u011fl\u0131k sekt\u00f6r\u00fc,konaklama, seyahat ve havayollar\u0131nda ise 9 ay s\u0131n\u0131r\u0131 ile taksitlendirme imkan\u0131 sa\u011fland\u0131.<\/p>\n
En \u00e7ok merak edilen sorular\u0131n ba\u015f\u0131nda gelen \u201c cep telefonuna kredi kart\u0131 ile taksit uygulamas\u0131 var m\u0131?<\/strong> \u201c diye soran ve merak eden t\u00fcketiciler i\u00e7in, maalesef cep telefonuna taksit se\u00e7ene\u011fi getirilmedi. Ayr\u0131ca taksit uygulanmayacak di\u011fer sekt\u00f6rler \u015f\u00f6yle; telekom\u00fcnikasyon sekt\u00f6r\u00fc, yurt d\u0131\u015f\u0131 harcamalar\u0131, g\u0131da sekt\u00f6r\u00fc, alkoll\u00fc i\u00e7ecekler, kozmetik ve g\u00fczellik \u00fcr\u00fcnleri, ofis malzemeleri, hediye kart gibi promosyon kartlar, somut olmayan her t\u00fcrl\u00fc mal i\u00e7in ve akaryak\u0131t sekt\u00f6r\u00fc i\u00e7in taksitlendirme uygulanmayacak.<\/p>\n\n- Kredi Kart\u0131 Yap\u0131land\u0131rma<\/strong> 72 Ay<\/li>\n<\/ul>\n
Resmi gazetede yay\u0131nlanan y\u00f6netmelik gere\u011fince ( ge\u00e7ici madde ) , kredi kartlar\u0131na ait mevcut bor\u00e7 bakiyeleri, kart hamili ( sahibi ) t\u00fcketicilerin talebi do\u011frultusunda en faz 72 ay s\u0131n\u0131r\u0131 ile taksitlendirilebilecek. \u00d6nemli bir detay da y\u00f6netmelikte yerini ald\u0131, bu yap\u0131land\u0131rma \u201cher ay \u00f6denen asgari \u00fccrete eklenerek\u201d yap\u0131lacak. Kredi kart\u0131 yap\u0131land\u0131rma<\/strong> yapmak i\u00e7in mutlaka talep etmeniz gerekmekte ve 72 aya kadar taksitlendirme sa\u011flanmaktad\u0131r.<\/p>\n\n- Kredi ile \u0130lgili D\u00fczenlemeler<\/strong><\/li>\n<\/ul>\n
BDDK\u2019 n\u0131n a\u00e7\u0131klam\u0131\u015f oldu\u011fu ve resmi gazetede yay\u0131nlanan y\u00f6netmeli\u011fe g\u00f6re, konut edinmek i\u00e7in kullan\u0131lan konut kredilerinde ( yada ta\u015f\u0131t kredisi hari\u00e7 konut teminatl\u0131 kredilerde ) bankalar\u0131n verdi\u011fi kredi tutar\u0131n\u0131n teminat oran\u0131 %80 olacak.<\/p>\n
Ayr\u0131ca ihtiya\u00e7 kredilerinde 36 ay yerine 48 ay taksit uygulamas\u0131na gidildi. Mal ve hizmet al\u0131m\u0131 amac\u0131 ile t\u00fcketicilerin kulland\u0131\u011f\u0131 kredilerde ( e\u011fitim ve \u00f6\u011fretim kredileri, gayrimenkul al\u0131m\u0131 ama\u00e7l\u0131 kullan\u0131lan krediler ve kiralamaya y\u00f6nelik krediler hari\u00e7 ) t\u00fcketici kredilerinde vade 48 ay\u0131 ge\u00e7meyecek \u015fekilde d\u00fczenlendi.<\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
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