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{"id":4353,"date":"2017-04-02T10:35:30","date_gmt":"2017-04-02T10:35:30","guid":{"rendered":"http:\/\/bankakredinotu.net\/?p=4353"},"modified":"2017-04-08T07:11:48","modified_gmt":"2017-04-08T07:11:48","slug":"kredi-basvurum-reddedildi","status":"publish","type":"post","link":"https:\/\/bankakredinotu.net\/kredi-basvurum-reddedildi-4353","title":{"rendered":"Kredi Ba\u015fvurum Reddedildi"},"content":{"rendered":"

Kredi Ba\u015fvurum Reddedildi \u2013 Kredi veya kredi kart\u0131 ba\u015fvurular\u0131n\u0131z bankalar taraf\u0131ndan reddedilebilir fakat bankalar genelde reddedilme nedenlerini a\u00e7\u0131klamazlar. Banka neden kredi vermiyor? noktas\u0131nda, nedenini ara\u015ft\u0131rmak size d\u00fc\u015f\u00fcyor diyebiliriz. Bankalar\u0131n kredi veya kredi kart\u0131 taleplerini reddetme gerek\u00e7eleri bilinmektedir. \u00d6ncelikle bu nedenleri sizlerle payla\u015faca\u011f\u0131z ve \u00f6nemli bir uyar\u0131, kredi talebiniz reddediliyor ise daha fazla ba\u015fvuru yapmaktan ka\u00e7\u0131n\u0131n, zira her olumsuz kredi ba\u015fvurusu kredi notunuzu ciddi oranda etkiler ve d\u00fc\u015f\u00fcr\u00fcr. Bu nedenle \u00f6ncelikle kredi notunuz d\u00fc\u015f\u00fckse y\u00fckseltmek i\u00e7in taktikler deneyip sonra tekrar denemenizde fayda olacakt\u0131r. Kredi notu y\u00fckseltme<\/a> hakk\u0131nda bilgileri sitemizde bulabilirsiniz.<\/p>\n

Kredi Ba\u015fvurusu Neden Reddedilir?<\/strong><\/p>\n

\"\"<\/a>
Kredi Notu<\/strong><\/em><\/figcaption><\/figure>\n

Kredi notu bankalar\u0131n \u00f6ncelikle de\u011fer verdikleri kriterdir. Bu nedenle e\u011fer kredi notunuz d\u00fc\u015f\u00fck ve riskli ise banka size kredi vermeye yana\u015fmayacakt\u0131r. \u00d6zellikle T\u00fcrkiye Ortalamas\u0131 alt\u0131nda bir de\u011ferde ise kredi notunuz, kredi taleplerinize olumsuz yan\u0131t bu sebepten olabilir. Kredi notu risk grafi\u011fine g\u00f6re, \u00e7ok riskli veya az riskli grupta iseniz kredi notunuzu y\u00fckseltmeyi denemelisiniz. Bunun i\u00e7in kredi notu \u00f6\u011frenme<\/a> y\u00f6ntemlerini incelemeli ve \u00f6ncelikle kredi notunuzu \u00f6\u011frenmelisiniz.<\/p>\n

\"\"<\/a>
KBB Risk Raporu<\/strong><\/em><\/figcaption><\/figure>\n

Findeks Risk Raporu<\/a> da bankalar\u0131n \u00f6nem verdikleri bir di\u011fer kriterdir ve kredi ba\u015fvurusu ret nedenlerindendir. Kredi risk raporunuzu siz de Findeks platformundan elde edebilirsiniz. Burada yer alan bilgiler \u0131\u015f\u0131\u011f\u0131nda kredinizin neden reddedildi\u011fini de kolayl\u0131kla bulabilirsiniz. Bu raporda, bankalara olan bor\u00e7 bilgileriniz, limit bilgileriniz ve gecikmede ki \u00f6demeleriniz yer al\u0131r. Bu veriler sizin i\u00e7in olumsuz imaj\u0131 veriyor ise bankalar da bunu g\u00f6rd\u00fc\u011f\u00fc i\u00e7in kredinizi onaylamazlar.<\/p>\n

\"\"<\/a>
Ayl\u0131k Gelir Seviyesi<\/strong><\/em><\/figcaption><\/figure>\n

Ayl\u0131k gelire g\u00f6re kredi<\/a> talep etmemi\u015f iseniz yine krediniz reddedilebilir. \u015e\u00f6yle ki, bankalar ayl\u0131k gelirin yirmi kat\u0131na kadar kredi verirler. Bu ki\u015fisel bir s\u0131n\u0131rlamad\u0131r ve e\u011fer siz ba\u015fka bankadan kredi kullanm\u0131\u015fsan\u0131z bu limit de dahil edilir. \u00d6rne\u011fin maa\u015f\u0131n\u0131z 2 Bin Lira ise en fazla 40 Bin Lira kredi kullanabilirsiniz. Ba\u015fka bankadan 20 Bin Lira kredi kullanm\u0131\u015fsan\u0131z 20 Bin Lira kredi kullanma hakk\u0131n\u0131z kalm\u0131\u015ft\u0131r. Fakat, kredi taksit tutarlar\u0131 da maa\u015f\u0131n yar\u0131s\u0131n\u0131 ge\u00e7memelidir. Bunun i\u00e7in iyi bir hesap yapmal\u0131, kredi notunuz yada risk raporunuzda bir problem yok ise bu konu \u00fczerinde durmal\u0131s\u0131n\u0131z. Kredi Ba\u015fvurum Reddedildi meselesinde ki en \u00f6nemli konulardan bir tanesi de gelire g\u00f6re kredidir.<\/p>\n

\"\"<\/a>
D\u00fczensiz Maa\u015f<\/strong><\/em><\/figcaption><\/figure>\n

Kredi reddedilme nedenlerinden bir tanesi de herkesin bildi\u011fi gibi bankalar \u00e7al\u0131\u015fmayan daha do\u011frusu gelirini belgelemeyen ki\u015filere kredi vermezler. Serbest meslekte \u00e7al\u0131\u015f\u0131p iyi paralar kazan\u0131yor olsan\u0131z dahi bankalar maa\u015f bordrosu istemektedirler. O nedenle kredi ba\u015fvurular\u0131n\u0131z reddediliyor ve e\u011fer maa\u015f\u0131n\u0131z\u0131 belgeleyemiyorsan\u0131z b\u00fcy\u00fck ihtimal nedeni budur.<\/p>\n","protected":false},"excerpt":{"rendered":"

Kredi Ba\u015fvurum Reddedildi \u2013 Kredi veya kredi kart\u0131 ba\u015fvurular\u0131n\u0131z bankalar taraf\u0131ndan reddedilebilir fakat bankalar genelde reddedilme nedenlerini a\u00e7\u0131klamazlar. Banka neden kredi vermiyor? noktas\u0131nda, nedenini ara\u015ft\u0131rmak Devam\u0131n\u0131 Okuyun…<\/span><\/a><\/p>\n<\/div>","protected":false},"author":9,"featured_media":4458,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"yoast_head":"\nKredi Ba\u015fvurum Reddedildi<\/title>\n<meta name=\"description\" content=\"Kredi Ba\u015fvurum Reddedildi \u2013 Kredi veya kredi kart\u0131 ba\u015fvurular\u0131n\u0131z bankalar taraf\u0131ndan reddedilebilir fakat bankalar genelde reddedilme nedenlerini\" \/>\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\/kredi-basvurum-reddedildi-4353\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredi Ba\u015fvurum Reddedildi\" 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