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\u00d6nce ki \u00e7ekmi\u015f oldu\u011funuz ihtiya\u00e7 kredisinde \u00f6demelerde zorluk ya\u015f\u0131yor ve 48 ay yeniden yap\u0131land\u0131rmak istiyorsan\u0131z Halkbank %1,28 faiz oran\u0131 ile yeniden yap\u0131land\u0131rma imkan\u0131 sunmakta. B\u00f6ylece daha d\u00fc\u015f\u00fck taksitler ile kredinizi daha kolay \u00f6deme imkan\u0131na eri\u015fmeniz m\u00fcmk\u00fcn Yasal takibe girmemi\u015f kredi kart\u0131 bor\u00e7lar\u0131n\u0131z i\u00e7in 72 ay yap\u0131land\u0131rma Halkbank<\/strong> taraf\u0131ndan %1,35 – %1,75 aras\u0131 faiz oranlar\u0131 ile bug\u00fcnden itibaren yap\u0131land\u0131rma imkan\u0131 mevcut.<\/p>\n

Yap\u0131land\u0131rma i\u015flemlerinizi ba\u015flatmadan \u00f6nce \u00f6deme plan\u0131n\u0131z\u0131 g\u00f6zden ge\u00e7irmenizde fayda var. Kredi kart\u0131 bor\u00e7lar\u0131n\u0131z i\u00e7in yap\u0131land\u0131rma yapt\u0131\u011f\u0131n\u0131z taktirde tekrardan kredi kartlar\u0131n\u0131za luzumsuz harcamalar ile bor\u00e7 y\u00fck\u00fc olu\u015fturmak gelecek aylar i\u00e7in tehdit olu\u015fturacak ve sizi zor duruma sokacakt\u0131r. Yap\u0131land\u0131rma sonras\u0131 gelir ve giderlerinizi mutlaka hesap ediniz.<\/p>\n

72 ay yap\u0131land\u0131rma kapsam\u0131ndan yararlanabilmeniz i\u00e7in mevcut bor\u00e7lar\u0131n\u0131z\u0131n takipte olmamas\u0131 gerekti\u011finizi vurgulamakta fayda var. Ayr\u0131ca, yasal d\u00fczenlemelerin resmi gazetede yay\u0131nland\u0131\u011f\u0131 tarihten sonra ki bor\u00e7lar\u0131n\u0131z i\u00e7in de yap\u0131land\u0131rma s\u00f6z konusu de\u011fil.<\/p>\n

Bor\u00e7 yap\u0131land\u0131rma f\u0131rsat\u0131ndan yararlanabilmek i\u00e7in Halkbank \u015fubelerine gitmeniz gerekmektedir. 72 ay yap\u0131land\u0131rma i\u00e7in herhangi bir son g\u00fcn belirtilmemi\u015ftir. Her t\u00fcketici bu imkandan sadece 1 defaya mahsus yararlanabilmektedir.<\/p>\n

72 ay yap\u0131land\u0131rma Halkbank \u015fubelerinden ger\u00e7ekle\u015ftirilebilir ve kredi kart\u0131 bor\u00e7lar\u0131n\u0131z i\u00e7in ihtiya\u00e7 kredisi de \u00e7ekme imkan\u0131na sahipsiniz b\u00f6ylelikle %1,75 yerine %1,28 faiz oranlar\u0131 ile daha tasarruflu bir kredi kullanm\u0131\u015f olur, \u00f6demelerde zorluk \u00e7ekmezsiniz. Bunun i\u00e7in \u015fubeye gitti\u011finizde ihtiya\u00e7 kredisini kredi kart\u0131 borcu i\u00e7in \u00e7ekti\u011finizi s\u00f6ylememenizde fayda var. Bankalar borcu bor\u00e7 ile kapatma d\u00fc\u015f\u00fcncesine pek olumlu yan\u0131t vermezler. Krediniz onaylan\u0131r ise \u00f6ren\u011fin 10.000 TL i\u00e7in kredi kart\u0131 yap\u0131land\u0131rmas\u0131nda 17.665 TL geri \u00f6deyecekken ihtiya\u00e7 kredisi \u00e7ekerseniz bu rakam 13.475 TL olacakt\u0131r. Arada ki fark\u0131 hesaplayarak kredi talebinizi \u015fekillendirebilirsiniz.<\/p>\n","protected":false},"excerpt":{"rendered":"