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Ev sahibi olmak \u00e7ok kolay de\u011fildir. \u00c7\u00fcnk\u00fc yekun miktarda toplu paraya ihtiya\u00e7 bulunmaktad\u0131r. Bu toplu paran\u0131n elde edilememesi halinde ev sahibi de olunamamaktad\u0131r. Ancak konut kredisi alarak yeterli finansal deste\u011fi elde edebilir ve konut kredisi alabilirsiniz.<\/p>\n

Konut kredisi alman\u0131zla birlikte gerekli olan finansal deste\u011fi elde etmi\u015f olaca\u011f\u0131n\u0131zdan konut sahibi olacaks\u0131n\u0131z.<\/p>\n

Sunulan y\u00fcksek vade \u015fans\u0131yla birlikte ald\u0131\u011f\u0131n\u0131z krediyi y\u00fcksek vadelerde ve d\u00fc\u015f\u00fck faiz oranlar\u0131yla alm\u0131\u015f olacaks\u0131n\u0131z.<\/p>\n

Yap\u0131 Kredi 60 ay ve 120 ay olmak \u00fczere iki tipte vade se\u00e7ene\u011fi sunmaktad\u0131r. \u0130ster 60 ay vade uygulans\u0131n, ister 120 ay vade uygulans\u0131n, uygulanacak faiz oran\u0131 %1,12 oran\u0131nda uygulanmaktad\u0131r. Konut kredisi i\u00e7in banka, ev finans de\u011ferinin tamam\u0131 kadar de\u011fil yaln\u0131zca %75\u2019i kadar kredi kullan\u0131m\u0131 yapt\u0131rmaktad\u0131r. Krediyi alacak olan m\u00fc\u015fteri ev de\u011ferinin %25\u2019inin finans deste\u011fini kendisi sa\u011flayamad\u0131\u011f\u0131 halde Yap\u0131 Kredi, kredi hakk\u0131 tan\u0131mamaktad\u0131r.<\/p>\n

Ev ekspertiz de\u011ferinin %75\u2019i bankadan kar\u015f\u0131lanmas\u0131 i\u00e7in m\u00fc\u015fteride %25\u2019ini kar\u015f\u0131lamal\u0131d\u0131r. Banka konut kredisi verirken ya\u015f\u0131 da \u00f6nemsemektedir. Konut kredisi al\u0131nd\u0131ktan sonra vade sonunda ki\u015fi en fazla 70 ya\u015f\u0131nda olmal\u0131d\u0131r. 70 ya\u015ftan daha yukar\u0131 olmas\u0131, kredi ba\u015fvurusunun onaylanmamas\u0131na sebep olacakt\u0131r.<\/p>\n

\u00c7\u00fcnk\u00fc bankalar vermi\u015f olduklar\u0131 krediyi tahsil edebilmek i\u00e7in m\u00fc\u015fterinin geliri olmas\u0131n\u0131 ve m\u00fc\u015fterinin borcunu \u00f6deyecek sa\u011fl\u0131\u011fa sahip olmas\u0131n\u0131 istemektedir.<\/p>\n

Konut kredisi ald\u0131ktan sonra taksitlerinizin geri \u00f6demesini taksit d\u00f6nemlerinde yapmal\u0131s\u0131n\u0131z. \u0130sterseniz taksit d\u00f6nemi haricinde de \u00f6deme yaparak vade tutar\u0131n\u0131 azaltabilirsiniz. Ancak kredinizin anla\u015f\u0131lan vadeden \u00e7ok k\u0131sa s\u00fcre \u00f6nce bitmesi halinde erken kapatma bedeli \u00f6demek durumundas\u0131n\u0131z.<\/p>\n

Yap\u0131 Kredi Konut Kredisi \u0130\u00e7in Gerekli Belgeler<\/strong><\/p>\n

Yap\u0131 Kredi konut kredisi ba\u015fvurusu yapmak i\u00e7in gerekli olan belgeler;<\/p>\n

Kimlik ispat\u0131 i\u00e7in n\u00fcfus c\u00fczdan\u0131 ve fotokopisi<\/p>\n

Geliri ispatlamak i\u00e7in kullan\u0131labilecek olan maa\u015f bordrosu veya vergi levhas\u0131<\/p>\n

Yer ispat\u0131 i\u00e7in ikametgah belgesi ya da son \u00fc\u00e7 aya ait olan fatura<\/p>\n

Sat\u0131n al\u0131nmas\u0131 istenilen tapunun belgesi<\/p>\n","protected":false},"excerpt":{"rendered":"