Ziraat Bankas\u0131 \u0130htiya\u00e7 Kredisi Ba\u015fvurusu Yapmak<\/title>\n<meta name=\"description\" content=\"Ziraat Bankas\u0131 \u0130htiya\u00e7 Kredisi Ba\u015fvurusu Yapmak i\u00e7in bankan\u0131n \u00e7e\u015fitli kanallar\u0131ndan faydalanabilirsiniz. Her ihtiyac\u0131n\u0131z i\u00e7in ba\u015fvuru yapabilece\u011finiz\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bankakredinotu.net\/ziraat-bankasi-ihtiyac-kredisi-basvurusu-yapmak-4098\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ziraat Bankas\u0131 \u0130htiya\u00e7 Kredisi Ba\u015fvurusu Yapmak\" \/>\n<meta property=\"og:description\" content=\"Ziraat Bankas\u0131 \u0130htiya\u00e7 Kredisi Ba\u015fvurusu Yapmak i\u00e7in bankan\u0131n \u00e7e\u015fitli kanallar\u0131ndan faydalanabilirsiniz. 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Her t\u00fcr ihtiya\u00e7lar\u0131n kar\u015f\u0131lanmas\u0131 i\u00e7in Ziraat Bankas\u0131 da di\u011fer bankalar gibi ihtiya\u00e7 kredisi paketleri ile hizmet vermektedir. Ki\u015fisel ihtiya\u00e7lar\u0131n kar\u015f\u0131lanmas\u0131 anlam\u0131nda bu kredilerden yararlanman\u0131z, 48 ay vade ve uygun faiz oranlar\u0131 ile cazip hale gelmektedir. Bu gibi faydalar\u0131n\u0131n yan\u0131 s\u0131ra Ziraat\u2019den ihtiya\u00e7 kredisi kullanman\u0131n bir ba\u015fka avantaj\u0131 da geri \u00f6deme noktas\u0131nda farkl\u0131 se\u00e7enekler sunuyor olmas\u0131. Yani, siz nas\u0131l geri \u00f6demek isterseniz o \u015fekilde bir se\u00e7enek sunmak size kalm\u0131\u015f.<\/p>\n

Bilindi\u011fi \u00fczere konut veya ta\u015f\u0131t d\u0131\u015f\u0131nda ufak ihtiya\u00e7lar\u0131n kar\u015f\u0131lanmas\u0131 i\u00e7in bankalar bireysel krediler sunmaktad\u0131rlar. Nedir bu bireysel ihtiya\u00e7lar derseniz, \u00f6rne\u011fin; evlilik \u00f6ncesi al\u0131\u015fveri\u015fler, \u00e7ocuklar\u0131n e\u011fitim masraflar\u0131, tatil i\u00e7in planlar\u2026 Yani, k\u0131sa s\u00fcreli ve an\u0131nda ihtiya\u00e7 duyulan her t\u00fcrl\u00fc masraf bu \u00f6rneklere dahil edilebilir. Sizin nedeniniz \u00e7ok daha farkl\u0131 olabilir. Ziraat Bankas\u0131 ihtiya\u00e7 kredisi ba\u015fvurusu yaparken size kredi vadesi boyunca hayat sigortas\u0131 yapt\u0131r\u0131l\u0131r ki bu her banka da uygulanan bir prosed\u00fcrd\u00fcr. Ayr\u0131ca, kredi de hayat sigortas\u0131 yan\u0131 s\u0131ra maddi teminatlar da yer almaktad\u0131r. Tabi bu maddi teminatlar \u015fubelerden \u00f6\u011frenilebilir. Buna ek, bankadan ihtiya\u00e7 kredisi kullan\u0131rken ba\u015fka neler hesap edilir diyorsan\u0131z, binde 5 oran\u0131nda kredi tahsis \u00fccreti ve BSMV yani Banka Sigorta Muamele Vergisi de kredi masraflar\u0131na eklenmektedir. Bu noktada bu kadar masraftan bahsedince akla masrafs\u0131z kredi veren bankalar yok mu? Sorusu da gelebilir. Fakat, y\u00fcksek faiz oranlar\u0131 nedeni ile masrafs\u0131z kredi se\u00e7ene\u011fini pek uygun bulmamaktay\u0131z. Ziraat Bankas\u0131 masrafs\u0131z kredi se\u00e7ene\u011fi de mevcuttur fakat, faiz oranlar\u0131n\u0131 ve toplam geri \u00f6deme de olu\u015fan rakam\u0131 g\u00f6zden ge\u00e7irmenizde fayda var.<\/p>\n

Gelelim Ziraat Bankas\u0131\u2019ndan kredi ba\u015fvurusu yapma i\u015flemine. Bunun i\u00e7in \u00e7e\u015fitli kanallardan yard\u0131m alabilece\u011finizi s\u00f6ylemi\u015ftik. Bunlardan ilk bahsedece\u011fimiz, \u015fubeler. Size en yak\u0131n banka \u015fubesine giderek ihtiya\u00e7 kredisi ba\u015fvurusu yapman\u0131z m\u00fcmk\u00fcn. Bunun i\u00e7in gereken belgeleri de yan\u0131n\u0131zda g\u00f6t\u00fcrmeniz i\u015flemlerin daha h\u0131zl\u0131 sonu\u00e7lanmas\u0131 a\u00e7\u0131s\u0131ndan \u00f6nemli. Di\u011fer bir ba\u015fvuru kanal\u0131 ise, bankan\u0131n resmi web sitesinden eri\u015febilece\u011finiz Ziraat internet bankac\u0131l\u0131\u011f\u0131 hizmetinden faydalanmak. \u0130nternet bankac\u0131l\u0131\u011f\u0131na giri\u015f yaparak kredi talebinde bulunman\u0131z 5 dakikan\u0131z\u0131 alacakt\u0131r. Bir di\u011fer y\u00f6ntem ise art\u0131k daha pop\u00fcler olan mobil bankac\u0131l\u0131k uygulamas\u0131 \u00fczerinden kredi ba\u015fvurunuzu yapmak ki bu en basit ve en kolay y\u00f6ntem de denilebilir.<\/p>\n

T\u00fcm bu alternatif ba\u015fvuru kanallar\u0131na eski y\u00f6ntemleri de ilave etmemiz yanl\u0131\u015f olmaz. Ziraat ATM\u2019lerinden, bankan\u0131n \u00e7a\u011fr\u0131 merkezinden ve SMS ile de kredi ba\u015fvurular\u0131n\u0131z\u0131 ger\u00e7ekle\u015ftirebilirsiniz. Ayr\u0131ca Ziraat Bankas\u0131 \u0130htiya\u00e7 Kredisi Ba\u015fvurusu Yapmak i\u00e7in bankan\u0131n tablet uygulamas\u0131ndan da faydalanabilirsiniz.<\/p>\n","protected":false},"excerpt":{"rendered":"