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{"id":4339,"date":"2017-03-31T08:25:41","date_gmt":"2017-03-31T08:25:41","guid":{"rendered":"http:\/\/bankakredinotu.net\/?p=4339"},"modified":"2017-03-31T08:25:41","modified_gmt":"2017-03-31T08:25:41","slug":"kredi-notu-kac-olmali","status":"publish","type":"post","link":"https:\/\/bankakredinotu.net\/kredi-notu-kac-olmali-4339","title":{"rendered":"Kredi Notu Ka\u00e7 Olmal\u0131?"},"content":{"rendered":"

Son d\u00f6nemlere kredilerde ki faiz oranlar\u0131n\u0131n da d\u00fc\u015fmesi ile birlikte kredi kullanmay\u0131 d\u00fc\u015f\u00fcnmeyen insan bile bankalar\u0131n kap\u0131s\u0131n\u0131 \u00e7alar oldu. Kredi kart\u0131 kullanmayan birine rastlamak zaten zor oldu\u011fu gibi kredi kullananlar\u0131n say\u0131s\u0131nda da ciddi art\u0131\u015f var. \u00dclkemizde \u00e7o\u011fu ki\u015finin bankalar ile o veya bu \u015fekilde \u00e7al\u0131\u015ft\u0131\u011f\u0131 ger\u00e7e\u011fini istatistiki verilerde do\u011fruluyor. Kredi kart\u0131 ve kredi kullan\u0131m\u0131na bak\u0131ld\u0131\u011f\u0131nda bir ac\u0131 ger\u00e7ek daha ortaya \u00e7\u0131k\u0131yor ki o da maddi zorluk ya\u015fayan ki\u015filerin bu \u00fcr\u00fcnleri en fazla kullanan insanlar olmas\u0131. Bor\u00e7 ile ya\u015fayan toplum olarak dikkat edilmez ise sonucunda b\u00fcy\u00fck s\u0131k\u0131nt\u0131lar\u0131n olaca\u011f\u0131n\u0131 \u015fimdiden uyar\u0131 mahiyetinde sizlere aktaral\u0131m. Kredi ve kredi kart\u0131n\u0131n bu denli yo\u011fun kullan\u0131ld\u0131\u011f\u0131 d\u00f6nemde kredi notu daha \u00f6nemli hale gelmi\u015ftir. Banka i\u00e7in \u00f6nemli referans sizin kredi puan\u0131n\u0131zd\u0131r, bu sayede banka size g\u00fcvenir veya g\u00fcvenmez. Bankalar\u0131n size g\u00fcvenerek kredi vermeleri \u00a0i\u00e7in Kredi Notu Ka\u00e7 Olmal\u0131?<\/p>\n

Kredi \u00c7ekebilmek \u0130\u00e7in Kredi Notum Ka\u00e7 Olmal\u0131?<\/strong><\/p>\n

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Kredi Notu Puan Tablosu<\/em><\/figcaption><\/figure>\n

Yukar\u0131 da sunulan tabloda 1-1900 aras\u0131nda de\u011ferler ve renkler bulunmaktad\u0131r. Kredi notu en y\u00fcksek olan de\u011fer 1900 olarak g\u00f6r\u00fcl\u00fcr. Ayr\u0131ca renklere g\u00f6re de risk derecesi mevcuttur. Tabloda da belirtildi\u011fi gibi k\u0131rm\u0131z\u0131 en riskli grup olarak g\u00f6r\u00fcl\u00fcrken koyu ye\u015fil en iyi puana sahip grup olarak nitelendirilir. Findeks kredi notu sorgulama yaparak kredi notunuzu \u00f6\u011frendi\u011finiz de renkli \u015fekilde kredi notunuzu g\u00f6receksinizdir. Ayr\u0131ca T\u00fcrkiye ortalamas\u0131n\u0131n alt\u0131nda veya \u00fcst\u00fcnde oldu\u011funuzu da g\u00f6rebilirsiniz. Peki; Kredi notu ka\u00e7 olmal\u0131? 1500 ve \u00fczeri bir puana sahipseniz \u015fanl\u0131s\u0131n\u0131z, bankalardan kredi \u00e7ekmede pek problem \u00e7\u0131kmayacakt\u0131r. Tabi ayr\u0131ca gelir belgesi de sunman\u0131z gerekecektir. Ayr\u0131ca kredi kart\u0131 ba\u015fvurular\u0131n\u0131z da bankalar taraf\u0131ndan olumlu kar\u015f\u0131lan\u0131r. 800-1499 aras\u0131 bir kredi notunuz varsa yani orta riskli ve az riskli kredi notuna sahipseniz d\u00fc\u015f\u00fck limitli kredi kart\u0131 veya kredi kullanabilirsiniz. Fakat bankalar riskli g\u00f6rd\u00fckleri m\u00fc\u015fterilerden kefil ve y\u00fcksek gelirli bir i\u015f isteyebilirler. Bu nedenle, kredi notunuzun y\u00fcksek olmas\u0131 bankalar\u0131n faiz avantajlar\u0131ndan yararlanman\u0131z i\u00e7in de h\u0131zl\u0131 kredi kullanman\u0131z i\u00e7in de \u00f6nemlidir.<\/p>\n

Kredi notuna g\u00f6re kredi veren bankalar son d\u00f6nemlere bunu s\u0131k\u00e7a dile getirerek kampanyalar y\u00fcr\u00fctmektedir. Kredi notu sizin \u00e7ekece\u011finiz kredi faiz oranlar\u0131n\u0131 da do\u011frudan etkiler. Y\u00fcksek kredi notuna sahipseniz daha d\u00fc\u015f\u00fck faiz oranlar\u0131 ile kredi kullanabilirsiniz. Riskli grupta olan ki\u015fiye banka kredi verse dahi y\u00fcksek faizlerle verecektir.<\/p>\n

Kredi Notum Ka\u00e7?<\/strong><\/p>\n

Kredi notu sorgulama yaparak kredi notunuzu \u00f6\u011frenmeniz kolayd\u0131r. Kredi notunu \u00f6\u011frenmenin bir \u00e7ok yolu vard\u0131r. Kredi notu nas\u0131l \u00f6\u011frenilir?<\/p>\n