G\u00fcn\u00fcm\u00fczde ara\u00e7 sahibi olmak neredeyse \u015fartt\u0131r. \u00c7\u00fcnk\u00fc g\u00fcn\u00fcm\u00fcz ya\u015fam ko\u015fullar\u0131nda arabas\u0131 olmayan insan say\u0131s\u0131 \u00e7ok az oldu\u011fu gibi g\u00fcnl\u00fck ya\u015fam\u0131n kolayla\u015fmas\u0131 a\u00e7\u0131s\u0131ndan da ara\u00e7 b\u00fcy\u00fck \u00f6nem ta\u015f\u0131maktad\u0131r. Ancak ara\u00e7 fiyatlar\u0131 \u00f6yle ucuz da de\u011fildir. Ara\u00e7 fiyatlar\u0131 \u00e7ok y\u00fcksek olup, her zaman i\u00e7in m\u00fc\u015fteri bu fiyat\u0131 toparlayamamaktad\u0131r. B\u00f6yle durumlarda da krediler en g\u00fczel \u00e7are olmaktad\u0131r.<\/p>\n

Bankalar kredi alarak gerekli olan finansman\u0131 elde edebilir ve ara\u00e7 alma imk\u00e2n\u0131n\u0131 yakalayabilirsiniz. Ara\u00e7 almak i\u00e7in bir finansal deste\u011fe ihtiyac\u0131n\u0131z varsa, kredinizi de ara\u00e7 kredisi ad\u0131 alt\u0131nda ba\u015fvurmal\u0131s\u0131n\u0131z. \u0130htiya\u00e7 kredisi alma \u015fans\u0131n\u0131za, ara\u00e7 kredisi alma \u015fans\u0131n\u0131z \u00e7ok daha y\u00fcksektir. \u00c7\u00fcnk\u00fc ara\u00e7 kredisinde al\u0131nacak olan ara\u00e7 banka taraf\u0131ndan ipotek edilmekte ve bu sayede banka kendini g\u00fcvence alt\u0131na almaktad\u0131r. Banka kendini g\u00fcvence alt\u0131na ald\u0131\u011f\u0131ndan dolay\u0131 da kredi verme ihtimali her zaman i\u00e7in daha y\u00fcksek olmaktad\u0131r.<\/p>\n

Bankalar yaln\u0131zca s\u0131f\u0131r ara\u00e7lar i\u00e7in de\u011fil, hem ikinci el hem de s\u0131f\u0131r ara\u00e7lar i\u00e7in kredi imk\u00e2n\u0131 tan\u0131maktad\u0131r. Tabi ki s\u0131f\u0131r ara\u00e7lar i\u00e7in verilen kredinin \u015fartlar\u0131yla, ikinci el ara\u00e7lar i\u00e7in verilen kredinin \u015fartlar\u0131 bir olmamaktad\u0131r.<\/p>\n

S\u0131f\u0131r Ara\u00e7 Kredisi Nas\u0131l Al\u0131n\u0131r ?<\/strong><\/p>\n

Bankalardan kredi alarak s\u0131f\u0131r ara\u00e7 alman\u0131z m\u00fcmk\u00fcnd\u00fcr. Krediyle s\u0131f\u0131r ara\u00e7 almak i\u00e7in \u00f6ncelikle almak istedi\u011finiz arac\u0131 belirlemelisiniz. Almak istedi\u011finiz ara\u00e7 i\u00e7in bankan\u0131z kredi imk\u00e2n\u0131 sunuyor mu? \u00c7\u00fcnk\u00fc her banka ayn\u0131 marka ara\u00e7lar i\u00e7in kredi imk\u00e2n\u0131 tan\u0131mamaktad\u0131r. Her bankan\u0131n kredi imk\u00e2n\u0131 sundu\u011fu \u00e7e\u015fitli markalar bulunmaktad\u0131r. Bu anlamda bankan\u0131n izin verdi\u011fi markalardan ara\u00e7 alabilirsiniz.<\/p>\n

Ara\u00e7 ald\u0131ktan sonra ara\u00e7 ipote\u011fi yapt\u0131rmak durumundas\u0131n\u0131z. Banka ara\u00e7 ipote\u011fini \u015fart ko\u015fmaktad\u0131r. Bankaya ara\u00e7 kredisi ba\u015fvurusu yaparken gelir belgeniz, kimlik bilgileriniz de gerekli olan belgeler aras\u0131nda bulunmaktad\u0131r.<\/p>\n

\u0130kinci El Ara\u00e7 Kredisi Nas\u0131l Al\u0131n\u0131r ?<\/strong><\/p>\n

Bankalardan yaln\u0131zca s\u0131f\u0131r ara\u00e7lar i\u00e7in kredi al\u0131nabilir diye bir kaide yoktur. Bankalardan ikinci el ara\u00e7lar i\u00e7in de kredi al\u0131nmas\u0131 m\u00fcmk\u00fcnd\u00fcr. Ancak ikinci el ara\u00e7 se\u00e7iminde arac\u0131n kaza yapmam\u0131\u015f olmas\u0131, arac\u0131n \u00fczerinde ipotek ya da bor\u00e7 olmamas\u0131 gibi \u00f6nemli etkenlerde s\u00f6z konusudur. \u0130kinci el ara\u00e7 al\u0131n\u0131rken t\u0131pk\u0131 s\u0131f\u0131r ara\u00e7larda oldu\u011fu gibi ba\u015fvurunuzu kimlik bilgileriniz ve gelir belgeniz d\u00e2hilinde yapmal\u0131s\u0131n\u0131z.<\/p>\n","protected":false},"excerpt":{"rendered":"