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Bankalar kredi verirken \u00f6ncelikle olarak m\u00fc\u015fterinin kredi notuna bakmakta ve kredi notunun y\u00fcksekli\u011fi kredi almalar\u0131nda, ald\u0131klar\u0131 kredi miktar\u0131na ciddi \u00f6l\u00e7\u00fcde etki etmektedir. 0 ile 1900 aras\u0131nda de\u011fi\u015fen kredi notunun kredi \u00e7ekme ihtimaline olumlu etki etmesi i\u00e7in kredi notunun 1500 seviyelerinde olmas\u0131 gerekmektedir.<\/p>\n

Bankalar kredi verirken kredi notunun haricinde kredi risk raporlar\u0131na da g\u00f6z atmaktad\u0131r. Kredi risk raporlar\u0131, m\u00fc\u015fterinin son be\u015f y\u0131lda olan finansal etkile\u015fimleri g\u00f6stermektedir. Kredi risk raporlar\u0131nda ki ini\u015fler \u00e7\u0131k\u0131\u015flar bankan\u0131n kredi verip vermemesini ciddi \u00f6l\u00e7\u00fcde etkilemektedir. Son be\u015f y\u0131l i\u00e7inde takibe d\u00fc\u015fen m\u00fc\u015fterilere, kara listeye giren m\u00fc\u015fterileri kredi verilmeyecektir. Ancak b\u00f6yle bir durum s\u00f6z konusu de\u011filse, kredi alman\u0131zda o denli kolay olacakt\u0131r.<\/p>\n

Bankalar kredi verirken gelir belgesi talep etmektedir. Bunun en \u00f6nemli sebebi bankalar\u0131n kredi verirken gelir belgesini g\u00f6z \u00f6n\u00fcnde bulunduruyor olmas\u0131d\u0131r. Gelir belgesi kredinin verilip verilmemesini etkiledi\u011fi gibi verilecek olan kredi tutar\u0131n\u0131 da ciddi \u00f6l\u00e7\u00fcde etkilemektedir. Gelirinizin miktar\u0131 banka i\u00e7in b\u00fcy\u00fck \u00f6nem ta\u015f\u0131maktad\u0131r. Gelirinizin 20 kat\u0131n\u0131n \u00fcst\u00fc kadar kredi alma imk\u00e2n\u0131n\u0131z bulunmaktad\u0131r. Ancak kamu \u00e7al\u0131\u015fan\u0131ysan\u0131z gelirinizin 30 kat\u0131na kadar kredi alma imk\u00e2n\u0131n\u0131zda bulunmaktad\u0131r. Gelir belgesi olmadan kredi \u00e7ekmek \u00e7ok zordur.<\/p>\n

Gelir Belgesi\u00a0Olmadan Kredi \u00c7ekmek M\u00fcmk\u00fcn m\u00fc ?<\/strong><\/p>\n

Bu bazda bak\u0131ld\u0131\u011f\u0131nda kredi ba\u015fvurusu yaparken, gelir belgesinin sunulmas\u0131 \u015fart olmaktad\u0131r. Gelir belgesi ile bankalar kredi verip vermemeye ve kredi tutar\u0131na karar vermektedir. Bunun yan\u0131 s\u0131ra gelir belgesiz kredi veren bankalarda bulunmaktad\u0131r. Ancak gelir belgesiz kredi verilmesi tamamen banka inisiyatifindedir. Banka dilerse gelir belgesi olmadan kredi \u00e7ekmek isteyen ki\u015fiye olumlu cevap verebilir. Ancak bunun i\u00e7in bir ko\u015ful s\u00f6z konusu de\u011fildir.<\/p>\n

Gelir belgesiz kredi al\u0131nabilmesinin en ba\u015fl\u0131 \u015fart\u0131 mal varl\u0131\u011f\u0131n\u0131z\u0131n olmas\u0131, geliriniz olmasa dahi ald\u0131\u011f\u0131n\u0131z krediyi \u00f6deyecek g\u00fcc\u00fcn\u00fcz\u00fcn bulunmas\u0131d\u0131r. Gelir belgesiz kredi almak i\u00e7in konut, araba, arsa ipotek edilebilir. \u0130potekleme sayesinde gelir belgesi \u015fart\u0131 olmadan kredi alma imk\u00e2n\u0131n\u0131z da bulunmaktad\u0131r.<\/p>\n

T\u00fcm bunlar\u0131n yan\u0131 s\u0131ra internet bankac\u0131l\u0131\u011f\u0131 ve telefon bankac\u0131l\u0131\u011f\u0131 kullan\u0131larak yap\u0131lan kredi ba\u015fvurular\u0131nda da gelir belgesi talebi bulunmamaktad\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"