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\u00d6ncelikle bilinmesi gereken konu kara listeden \u00e7\u0131kan ki\u015filerin devletin tan\u0131m\u0131\u015f oldu\u011fu sicil aff\u0131ndan faydalanm\u0131\u015f olmas\u0131 gerekti\u011fidir. Sicil aff\u0131 ise bankalar taraf\u0131ndan kara listeye al\u0131nm\u0131\u015f olan ki\u015filer son \u00fc\u00e7 aylar\u0131nda d\u00fczenli \u00f6deme yapt\u0131klar\u0131 takdirde devletin kredi borcu olan kara listedeki ki\u015fiye sunmu\u015f oldu\u011fu bir imkand\u0131r.Son \u00fc\u00e7 ay\u0131n\u0131 d\u00fczenli \u00f6deyen kara listede ad\u0131 ge\u00e7en ki\u015filer devletin bu imkan\u0131ndan faydalanarak sicil aff\u0131na u\u011frarlar ve b\u00f6ylece kara listeden \u00e7\u0131km\u0131\u015f ki\u015filer aras\u0131nda yer alacakt\u0131r.<\/p>\n

Kara listeden yeni \u00e7\u0131km\u0131\u015f birisi olarak ise devletin ve bankalar\u0131n kendisine sunmu\u015f oldu\u011fu kriterler \u00e7er\u00e7evesinde ba\u015fka bankalara yeniden kredi ba\u015fvurusunda bulunabilecektir. Kara listeden yeni \u00e7\u0131km\u0131\u015f olarak kabul edilmeniz i\u00e7in eskiden be\u015f y\u0131l kadar beklemeniz gerekmekteydi. Kara listeden \u00e7\u0131kt\u0131ktan sonra en az be\u015f y\u0131l bekleyip yeni bir banka kredisine \u00f6yle ba\u015fvurabilirdiniz. Ancak son d\u00f6nemde son \u00fc\u00e7 ayl\u0131k borcunuzu d\u00fczenli \u00f6deyerek sicil aff\u0131 ald\u0131\u011f\u0131n\u0131z takdirde hemen ba\u015fvuruda bulunabilirsiniz.<\/p>\n

Ba\u015fvuru yap\u0131labilecek bankalar ise merkez bankas\u0131 ile bu konu hakk\u0131nda anla\u015fmal\u0131 olan bankalard\u0131r ve kredi ba\u015fvurusu yapabilmek i\u00e7in ise bir kefil ya da ipotek g\u00f6stermeniz gerekmektedir. Ayr\u0131ca kara listeden yeni \u00e7\u0131km\u0131\u015f ki\u015filere kredi verecek olan bankalar kredi ba\u015fvurusunda bulunan ki\u015finin e\u011fitim, gelir seviyesi gibi \u00f6zelliklerini de inceleyerek kredi vermektedirler. B\u00fct\u00fcn bunlar\u0131 g\u00f6z \u00f6n\u00fcnde bulundurarak kara listeden yeni \u00e7\u0131km\u0131\u015f birisi iseniz kredi ba\u015fvurusunda bulunabilirsiniz.<\/p>\n","protected":false},"excerpt":{"rendered":"