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Son zamanlarda an\u0131nda nakit ihtiyac\u0131 olan ki\u015filere bankalar kulland\u0131klar\u0131 kredi kart\u0131ndan nakit \u00e7ekme imkan\u0131 sunmaktad\u0131r. B\u00f6ylece ki\u015filer bankalar\u0131n ihtiya\u00e7 kredisi ile u\u011fra\u015fmadan sahip olduklar\u0131 kredi kart\u0131ndan istedikleri miktar\u0131 \u00e7ekebilmektedirler. Ancak bu kadar h\u0131zl\u0131 ve kolay bir hizmetinde elbette ki belli bir bedeli olmaktad\u0131r. Bu bedel ise \u00e7ekilen para miktar\u0131na geri \u00f6deme esnas\u0131nda faiz oran\u0131 olarak yans\u0131maktad\u0131r. Peki kredi kart\u0131ndan nakit \u00e7ekim yapmak istedi\u011finiz takdir de ne kadar faiz \u00f6dersiniz?<\/p>\n

\u00d6ncelikle bilmeniz gereken \u015fey kredi kart\u0131n\u0131zdan \u00e7ekti\u011finiz nakit miktar\u0131n\u0131n faizi ayn\u0131 g\u00fcn \u00e7al\u0131\u015fmaya ba\u015flar. \u00d6rne\u011fin 1 Ekim de kredi kart\u0131n\u0131zda 4000 tl tutar\u0131nda bir nakit \u00e7ekmi\u015f iseniz 1 ekim itibari ile \u00e7ekilen nakit \u00fczerinden faiz oran\u0131 uygulanmaya ba\u015flar. Bu faiz oran\u0131n\u0131n i\u00e7erisinde ise genellikle KKDF ve BSMV tutarlar\u0131 yer almamaktad\u0131r.<\/p>\n

Kredi kart\u0131na nakit \u00e7ekim imkan\u0131 sunan kartlardan birisi worlcard\u2019d\u0131r ve sunmu\u015f oldu\u011fu bu hizmet kar\u015f\u0131l\u0131\u011f\u0131nda kredi kart\u0131 kullan\u0131c\u0131s\u0131ndan %2,02 oran\u0131nda faiz talep etmektedir.<\/p>\n

Ayn\u0131 hizmeti veren bir di\u011fer kart ise maksimum kartt\u0131r ve istemi\u015f oldu\u011fu faiz oran\u0131 %1,90 gibi bir orand\u0131r. Di\u011fer bankalar\u0131ndan kredi kart\u0131na nakit \u00e7ekim imkan\u0131 sunduklar\u0131 takdirde m\u00fc\u015fterilerinden istemi\u015f olduklar\u0131 faiz oranlar\u0131 da ortalama bu rakamlar aras\u0131nda gidip gelmekle birlikte bu kredinin geri \u00f6deme s\u00fcresi 2.5 ile 12 ay vade gibi k\u0131sa bir s\u00fcredir.<\/p>\n

Yukar\u0131da kredi kart\u0131na nakit \u00e7ekimlerde bankalar\u0131n alabilece\u011fi faiz oranlar\u0131nda bahsettik. Bu oranlar do\u011frultusunda faiz oranlar\u0131 size uygun ise kulland\u0131\u011f\u0131n\u0131z kredi kart\u0131na ait bankan\u0131n kredi kart\u0131na nakit \u00e7ekim imkanlar\u0131ndan faydalanabilirsiniz. Ancak burada unutmaman\u0131z gereken \u015fey vade s\u00fcresi k\u0131sa olmas\u0131 ve bu \u00f6demeye KKDF ve BSMV miktarlar\u0131n\u0131n eklenmemi\u015f olmas\u0131d\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"