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\u00d6ncelikle ipotekli kredi kredi ihtiyac\u0131 duyan ki\u015filere bedel g\u00f6sterdikleri ipotek kar\u015f\u0131l\u0131\u011f\u0131nda nakit olarak verilen bir kredi \u00e7e\u015fididir. B\u00f6yle bir durumda ihtiyac\u0131n\u0131z olan kredi miktar\u0131n\u0131n iki kat\u0131 kar\u015f\u0131l\u0131\u011f\u0131nda ipotek edebilece\u011finiz bir mal varl\u0131\u011f\u0131n\u0131z\u0131n olmas\u0131 gerekmektedir. \u00d6rne\u011fin 50 bin tl lik bir krediye ihtiya\u00e7 duydu\u011funuzda ve bu kredi ipotekli kredi olarak \u00e7ekmek istedi\u011finizde bu krediyi ancak ihtiya\u00e7 kredisi olarak alabilirsiniz. Yani ipotekli kredi konur kredisi, ara\u00e7 kredisi ya da ba\u015fka bir kredi \u00e7e\u015fidi olarak de\u011fil sadece ihtiya\u00e7 kredisi olarak verilir. Bu y\u00fczden \u00e7ekece\u011finiz ipotekli kredi de ihtiya\u00e7 kredisinin faiz oranlar\u0131 uygulan\u0131r.\u00c7ekece\u011finiz 50 bin tl lik ipotekli ihtiya\u00e7 kredisi i\u00e7in ise ipotek olarak verebilece\u011finiz en az 100 tl lik bir mal varl\u0131\u011f\u0131n\u0131z\u0131n olmas\u0131 gerekmektedir. E\u011fer b\u00f6yle bir mal varl\u0131\u011f\u0131n\u0131z yoksa ipotek olarak g\u00f6sterebilece\u011finiz mal varl\u0131\u011f\u0131n\u0131z\u0131n ederinin yar\u0131s\u0131 kadar bir kredi \u00e7ekebilirsiniz. \u00d6rne\u011fin 80 bin tl lik bir mal varl\u0131\u011f\u0131n\u0131z varsa bunun ancak 40 bin tlsi kadar kredi isteyebilirsiniz.<\/p>\n

\u0130potekli kredi alman\u0131z\u0131n bir di\u011fer ko\u015fuluda en fazla 36 aya varan vade vermeleridir. 36 aydan daha fazla bir vade imkan\u0131 sunmamaktad\u0131r ipotekli kredi veren bankalar. Bu y\u00fczden en fazla 36 aya varan bir \u00f6deme plan\u0131 \u00e7\u0131kartabilirsiniz kendinize ve bu \u00f6deme plan\u0131na g\u00f6re aya\u011f\u0131n\u0131z\u0131 yorgan\u0131n\u0131za g\u00f6re uzatman\u0131z gerekmektedir. Aksi takdir de banka ipotek g\u00f6stermi\u015f oldu\u011funuz mal varl\u0131\u011f\u0131n\u0131za el koyabilir.<\/p>\n","protected":false},"excerpt":{"rendered":"