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\u00d6deyemedi\u011finiz bir bor\u00e7 y\u00fck\u00fc kar\u015f\u0131n\u0131zda ve borcunuzu yap\u0131land\u0131rd\u0131n\u0131z diyelim. Bu noktadan sonra mutlaka dikkat etmenizde fayda var. \u00d6ncelikle e\u011fer kredi kart\u0131 bor\u00e7 yap\u0131land\u0131rmas\u0131 yapm\u0131\u015f iseniz, yap\u0131land\u0131rma sonras\u0131 mutlaka t\u00fcm kredi kartlar\u0131n\u0131z\u0131 kesip at\u0131n ve kesinlikle kredi kart\u0131n\u0131z ile al\u0131\u015fveri\u015f yapmay\u0131n. Sadece borcunu yap\u0131land\u0131rd\u0131\u011f\u0131n\u0131z kredi kart\u0131 de\u011fil e\u011fer varsa di\u011fer banka kartlar\u0131n\u0131z\u0131 da kullanmay\u0131n. \u00c7\u00fcnk\u00fc; nas\u0131lsa yap\u0131land\u0131rma yapt\u0131m art\u0131k taksitle \u00f6derim mant\u0131\u011f\u0131 sizi rehavete s\u00fcr\u00fckleyecek ve borcunuzun \u00fcst\u00fcne bor\u00e7 yapacaks\u0131n\u0131z. Ge\u00e7en 3-5 ay s\u00fcre zarf\u0131nda bakacaks\u0131n\u0131z ki, bor\u00e7lar yine \u00f6denmeyecek noktaya gelmi\u015f. Tekrar bor\u00e7 yap\u0131land\u0131rma talep etti\u011finizde yeni bir \u00f6deme plan\u0131 olu\u015fturulacak.<\/p>\n

Mevcut yap\u0131land\u0131rma ile bor\u00e7lar\u0131n\u0131z\u0131 \u00f6derken yine maddi a\u00e7\u0131dan s\u0131k\u0131nt\u0131 ya\u015fad\u0131n\u0131z diyelim aradan e\u011fer 6 ay ge\u00e7mi\u015f ise \u00f6zellikle yeni yap\u0131land\u0131rma ve \u00f6deme plan\u0131ndan uzak durun. O 6 ay i\u00e7erisinde ki \u00f6dedi\u011finiz t\u00fcm para faize gidecektir. Bankan\u0131z sizi aray\u0131p \u201cisterseniz yeni \u00f6deme plan\u0131 ile devam edelim\u201d derse \u201chay\u0131r\u201d cevab\u0131n\u0131 mutlaka verin. \u00d6rne\u011fin; 10 Bin Lira borcunuzu yap\u0131land\u0131rd\u0131n\u0131z diyelim ilk etapta zaten 36 ay yap\u0131land\u0131rma yapm\u0131\u015f oldu\u011funuzu varsayarsak 16 Bin Lira olacak borcunuz ve taksitlendirilecek. Bu taksitlere g\u00f6z at\u0131n, ilk \u00f6demelerde sizden al\u0131nan \u00e7o\u011funlukla faizler olacak. Yani siz 600 TL ayl\u0131k taksitini \u00f6dedi\u011finiz borcunuzun asl\u0131nda 200 TL\u2019si ana paradan d\u00fc\u015fecek. Kalan 400 TL faize gidecektir. Bu nedenle 6 ay sonra tekrar yap\u0131land\u0131rma yaparsan\u0131z, 6 ay boyunca \u00f6dedi\u011finiz paran\u0131n %70\u2019i faize gidece\u011fi i\u00e7in anaparan\u0131z oldu\u011fu gibi duracakt\u0131r. Bor\u00e7 yap\u0131land\u0131rma, kredi yap\u0131land\u0131rma sonras\u0131 tekrar yeni \u00f6deme plan\u0131ndan uzak durun ve bankalar\u0131n bu tuza\u011f\u0131na d\u00fc\u015fmeyin.<\/p>\n

\u0130htiya\u00e7 kredisi yap\u0131land\u0131rma ba\u015fvurusu i\u00e7in banka \u015fubeniz ile g\u00f6r\u00fc\u015fmeniz yeterli. Kredi borcunuzu \u00f6deyemedi\u011finizi ve yap\u0131land\u0131rma imkan\u0131ndan yararlanmak istedi\u011finizi belirtti\u011finizde banka yetkili m\u00fc\u015fteri temsilcileri sizinle ilgilenecektir. Baz\u0131 bankalar \u015fube d\u0131\u015f\u0131nda, internet bankac\u0131l\u0131\u011f\u0131 ve mobil bankac\u0131l\u0131k uygulamalar\u0131 ile de bu konuda yard\u0131mc\u0131 olmaktad\u0131rlar. Kredi yap\u0131land\u0131rma \u00f6ncesi bor\u00e7 transfer kredisini de\u011ferlendirmeyi de unutmay\u0131n. \u00d6zellikle kredi \u00e7ekme olas\u0131l\u0131\u011f\u0131n\u0131z devam ediyor ise bor\u00e7 yap\u0131land\u0131rma yapmadan \u00f6nce kredi \u00e7ekmeyi deneyin. Kredi faiz oranlar\u0131 %1,15 iken kredi yap\u0131land\u0131rma faiz oranlar\u0131 %2,10 oranlar\u0131na kadar \u00e7\u0131kmakta.<\/p>\n","protected":false},"excerpt":{"rendered":"