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\u00d6ncelikle bu konuyu a\u00e7\u0131klamadan \u00f6nce a\u00e7\u0131kl\u0131k getirmemiz gereken bir ba\u015fka bu vard\u0131. Bu konu bozuk sicil ile kara liste aras\u0131nda farkt\u0131r. Kara listede ad\u0131n\u0131z\u0131n yer almas\u0131 demek daha \u00f6nce kredi \u00e7ekmi\u015f oldu\u011funuz bir bankaya kredi borcunuzu \u00f6demediniz demek ve bu y\u00fczden de icral\u0131k olmu\u015fsunuz demektir. Ad\u0131n\u0131z kara listede yer al\u0131yorsa hi\u00e7bir banka size kredi vermeyecektir.<\/p>\n

Sicili bozuk demek ise kredi notunuzun 1-699 puan aral\u0131\u011f\u0131 olan \u00e7ok riskli grupta yer al\u0131yor olman\u0131z demektir. B\u00f6yle bir durumda bankalar yine size kredi vermek istemezler ancak\u00a0 daha \u00f6nce bir kredi borcunuzun olmamas\u0131, ge\u00e7mi\u015ften gelen bir borcunuzun bulunmamas\u0131 kimi bankalar\u0131n size kredi vermesini sa\u011flamaktad\u0131r. Yani b\u00f6yle bir durumda kredi al\u0131p alamamak ba\u015fvurdu\u011funuz bankan\u0131n insiyatifine kalm\u0131\u015ft\u0131r. Sicili bozuk kavram\u0131na giren bir di\u011fer grup ise daha \u00f6nce bir ba\u015fka bankadan kredi \u00e7ekmi\u015f ancak icral\u0131k olmamas\u0131na ra\u011fmen kredisini \u00f6demede zorluk \u00e7eken ki\u015filerdir. Bu t\u00fcr ki\u015filerin kredi ba\u015fvuru nedeni de genellikle daha \u00f6nceki kredi borucunu kapatmak istemesidir. Kredi borcunu bir ba\u015fka kredi ile kapatanlard\u0131r bunlar. Bu ki\u015fileri de yine bankalar riskli grupta g\u00f6rmelerine ra\u011fmen kredi vermektedirler.<\/p>\n

Yukar\u0131da sicili bozuk ki\u015filerin kredi al\u0131p alamayaca\u011f\u0131na dair bilgiler payla\u015ft\u0131k. Sizde sicili bozuk gruptan oldu\u011funuzu d\u00fc\u015f\u00fcn\u00fcyor iseniz \u00f6ncelikle yapman\u0131z gereken \u015fey ad\u0131n\u0131z\u0131n kara listede olup olmad\u0131\u011f\u0131na bakmak. Ad\u0131n\u0131z kara listede ise hi\u00e7bir banka size kredi vermeyecekken sicili bozuk liste de ise baz\u0131 bankalar\u0131n size sunaca\u011f\u0131 yap\u0131land\u0131rma imkanlar\u0131 ise kredi alma imkan\u0131n\u0131z bulunmaktad\u0131r.\u00a0Sicili Bozuk Ki\u015fiye Kredi \u00c7\u0131kar M\u0131? konusunda sorular\u0131n\u0131z var ise yorum k\u0131sm\u0131na yazabilirsiniz.<\/p>\n","protected":false},"excerpt":{"rendered":"