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Spot Kredi Nedir?\u00a0Spot Kredi Nas\u0131l Kullan\u0131l\u0131r?<\/strong><\/p>\n

Kredi; bireylerin ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131layabilmek i\u00e7in yapt\u0131klar\u0131 ba\u015fvuru sonras\u0131nda banka taraf\u0131ndan al\u0131nan finansal deste\u011fe verilen isimdir. Kredi kullan\u0131m ama\u00e7lar\u0131na g\u00f6re \u00e7e\u015fitlere ayr\u0131lmaktad\u0131r. \u0130htiya\u00e7 kredileri; d\u00fc\u011f\u00fcn masraflar\u0131, hastane masraflar\u0131, e\u011fitim masraflar\u0131 gibi \u00e7e\u015fitli ihtiya\u00e7lar i\u00e7in kullan\u0131labilen kredi t\u00fcr\u00fcn\u00fc olu\u015fturmaktad\u0131r. Mortage kredisi ev almak isteyenlerin kullanabilece\u011fi kredi t\u00fcr\u00fcd\u00fcr. Ta\u015f\u0131t kredisi ise ta\u015f\u0131t almak isteyenlerin kullanabilece\u011fi kredi t\u00fcr\u00fcd\u00fcr. Bunlar kredilerin kullan\u0131m ama\u00e7lar\u0131na g\u00f6re \u00e7e\u015fitlenmesinden ortaya \u00e7\u0131km\u0131\u015ft\u0131r.<\/p>\n

Spot kredi de; ihtiya\u00e7 kredisi, ta\u015f\u0131t kredisi, ev kredisi gibi kullan\u0131m amac\u0131ndan dolay\u0131 bir kategoriye ayr\u0131lm\u0131\u015ft\u0131r. Spot krediye KOB\u0130 kredisi de diyebiliriz. \u00c7\u00fcnk\u00fc spot kredi ticaret erbaplar\u0131na ya da ticaretle u\u011fra\u015fmak isteyen ki\u015filere verilen kredi t\u00fcr\u00fcne denilmektedir. Spot kredinin as\u0131l amac\u0131; ticarethane kurmak isteyen ki\u015filere, ticarethanesini b\u00fcy\u00fctmek ve geli\u015ftirmek isteyen ki\u015filere finansal destek sa\u011flamakt\u0131r. Spot kredi alarak ticarethane kurabilir, kurdu\u011funuz ticarethaneyi geli\u015ftirebilir ve b\u00fcy\u00fctebilirsiniz.<\/p>\n

Spot kredi vade miktar\u0131, faiz miktar\u0131 bankadan bankaya de\u011fi\u015fkenlik g\u00f6stermekte olup, \u00e7e\u015fitli vade ve faiz oranlar\u0131yla kar\u015f\u0131n\u0131za \u00e7\u0131kmaktad\u0131r. Spot kredi \u00fczerine faiz i\u015flemesi kredinin al\u0131nd\u0131\u011f\u0131 g\u00fcnden itibaren uygulanmaya ba\u015flar.<\/p>\n

Spot kredi al\u0131rken \u00f6zellikle faizin anapara \u00fczerine ne kadar katt\u0131\u011f\u0131na \u00f6nem vermelisiniz. \u015eayet faiz tutar\u0131 toplamda \u00e7ok para ediyor ve anapara ile faiz a\u00e7\u0131\u011f\u0131 b\u00fcy\u00fcyorsa hayli zarara girece\u011finiz anlam\u0131na gelmektedir. Bunun i\u00e7in olabildi\u011fince d\u00fc\u015f\u00fck faizli spot kredi tercih etmeniz sizin i\u00e7in avantajl\u0131 olacakt\u0131r.<\/p>\n

Bir\u00e7ok banka ticaretle u\u011fra\u015fanlar i\u00e7in spot kredi imk\u00e2n\u0131 sunmaktad\u0131r. Spot kredi di\u011fer kredilerden farkl\u0131 olarak tek vadeli bir kredidir. M\u00fc\u015fterinin krediyi almas\u0131ndan sonra geri \u00f6demesini toplu olarak yapmas\u0131 gerekmektedir. Yani taksitlendirme spot kredisinde mevcut de\u011fildir. Spot kredinin bankaya geri \u00f6denmesi i\u00e7in bankalar\u0131n verdi\u011fi maksimum s\u00fcre 365 g\u00fcn olmaktad\u0131r. 365 g\u00fcn sonunda kredi geri \u00f6demesini yapmayan m\u00fc\u015fteri hakk\u0131nda adli takip ba\u015flat\u0131lacakt\u0131r.<\/p>\n

Spot kredi kullanmak i\u00e7in bankalara gerekli belgeler e\u015fli\u011finde ba\u015fvurunuzu yapmal\u0131s\u0131n\u0131z. Ba\u015fvuru yaparken \u00f6zellikle bankalar\u0131n uygulad\u0131\u011f\u0131 faiz oranlar\u0131n\u0131 \u00f6nemsemeli ve en d\u00fc\u015f\u00fck faiz se\u00e7ene\u011fini sunan bankay\u0131 tercih etmelisiniz. Spot kredinizi ne kadar erken \u00f6derseniz, \u00f6deyece\u011finiz faiz oran\u0131 da o kadar d\u00fc\u015f\u00fck olacakt\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"