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{"id":4756,"date":"2017-05-03T19:37:14","date_gmt":"2017-05-03T16:37:14","guid":{"rendered":"http:\/\/bankakredinotu.net\/?p=4756"},"modified":"2017-04-14T19:57:04","modified_gmt":"2017-04-14T16:57:04","slug":"ev-hanimlarina-direk-kredi-veren-bankalar","status":"publish","type":"post","link":"https:\/\/bankakredinotu.net\/ev-hanimlarina-direk-kredi-veren-bankalar-4756","title":{"rendered":"Ev Han\u0131mlar\u0131na Direk Kredi Veren Bankalar"},"content":{"rendered":"

Ev Han\u0131mlar\u0131na Direk Kredi Veren Bankalar<\/strong>-\u00c7al\u0131\u015fmayan yada herhangi bir i\u015fle me\u015fgul olmayan ve resmi bir geliri olmayan ev han\u0131mlar\u0131 i\u00e7in<\/strong> bankalar kredi ve kredi kart\u0131 vermeye devam ediyor. Gelir belgesiz masrafs\u0131z kredi ba\u015fvurusu meydana getiren han\u0131mefendilere kendi inisiyatiflerinde kredi imkanlar\u0131ndan yararland\u0131rmak isteyen bankalar ev han\u0131mlar\u0131na \u00f6zel 2017 senesinde da ihtiya\u00e7 kredisi kampanyas\u0131 sunmaya devam edecektir. Devlet sermayeli veya \u00f6zel sermayeli bankalar ev han\u0131mlar\u0131 i\u00e7in kredi veren kurulu\u015flard\u0131r. \u00d6zellikle Akbank, ING bankas\u0131, Finansbank, Denizbank ve \u015eekerbank gelir belgesi olmayan ev han\u0131mlar\u0131na kredi kulland\u0131ran bankalar aras\u0131ndad\u0131r.<\/p>\n

B\u00fcy\u00fck bir beceriye sahip olan ev han\u0131mlar\u0131na<\/strong> kredi veren bankalar rekabetci ortamda para satmak istediklerinden ev han\u0131mlar\u0131na kredi vermeye devam edecektir.<\/p>\n

Ev han\u0131mlar\u0131na kredi veren bankalar\u0131n \u015fartlar\u0131 nelerdir?<\/span><\/h2>\n

Ev i\u00e7in l\u00fczumlu malzemeler, \u00e7ocuklar\u0131n artan ihtiya\u00e7lar\u0131 ve ki\u015fisel gereksinimlar\u0131n\u0131 kar\u015f\u0131lamak isteyen ev han\u0131mlar\u0131 genellikle bankalardan taksitli bir halde kredi alamamaktan \u015fikayet ederler. \u015e\u00f6yleki ki bankalar ev han\u0131mlar\u0131na da \u00f6zel kredi f\u0131rsatlar\u0131 sunmaktad\u0131r. Bankalar\u0131n bu kredi kampanyalar\u0131na web \u00fczerinden ve sms ile gelir belgesiz ba\u015fvuru yaparak bankalara k\u0131sa yoldan zahmetsizce ba\u015fvuruda bulunabilirler. Gelir belgesiz\u00a0 kredi ba\u015fvurusu icra eden ev han\u0131mlar\u0131n\u0131n ba\u015fvurular\u0131n\u0131n \u00f6n onaylama bildiri\u0131 taraflar\u0131na iletildikten sonras\u0131nda banka \u015fubelerine giderek kredi finansmanlar\u0131na yeti\u015febilmeleri art\u0131k \u00e7ok basit. Bankalar web \u00fczerinden ba\u015fvuru icra eden ev han\u0131mlarna kredi ve kredi kart\u0131 g\u00f6ndermektedir. \u0130\u015fin asl\u0131 bankalar ba\u015fvurular\u0131 KKB kay\u0131tlar\u0131ndan kredi notlar\u0131na nazaran onaylama verdiklerinden ev han\u0131mlar\u0131n\u0131n kredi notlar\u0131n\u0131n y\u00fcksekli\u011fi bu a\u00e7\u0131dan daha kolay kredi almalar\u0131n\u0131 sa\u011flamaktad\u0131r. Tabi bu bankadan gelen onay mesaj\u0131n\u0131n pe\u015finden kredi almak i\u00e7in bankalara ba\u015fvuru yap\u0131ld\u0131\u011f\u0131nda bankalar\u0131n istedi\u011fi \u015fartlar\u0131 yerine getirmek kayd\u0131yla olacakt\u0131r.<\/p>\n

\"\"<\/a>
Ev han\u0131mlar\u0131na kredi veren bankalar 2017<\/figcaption><\/figure>\n

 <\/p>\n

 <\/p>\n

Bankalar gelir\u00a0 belgesi olmayan ev han\u0131mlar\u0131na kredi sa\u011flamak i\u00e7in yard\u0131mc\u0131 olacakt\u0131r lakin illaki banka mevzuatlar\u0131n\u0131 da yerine getireceklerdir. Bankalar kredi ba\u015fvurular\u0131nda gelir belgesini talep ettiklerinden gelir belgesi olmayan ve \u00e7al\u0131\u015fmayan ev han\u0131mlar\u0131ndan e\u015flerinin gelir belgelerini getirmelerini isteyecektir. Ayr\u0131ca e\u015finin ba\u015fka bir bankada kredi borcu varsa ve kredi talepleri bundan dolay\u0131 onaylanmad\u0131ysa bu durumda herhangi bir ta\u015f\u0131nmaz\u0131n\u0131 ipotek g\u00f6stermeleri kar\u015f\u0131l\u0131\u011f\u0131nda\u00a0 kredi talebini de\u011ferlendirecektir. Ek olarak kira geliri olan ve gelir belgesini ispatlayamayan ki\u015filer i\u00e7in bu gibi \u00f6zel durumlarda kredi talepleri de\u011ferlendirilmektedir. T\u00fcm bu \u015fartlar\u0131 yani g\u00f6zden ge\u00e7irmek gerekirse;<\/p>\n

 <\/p>\n

E\u015f kefaleti ile kredi ba\u015fvurusu<\/span><\/h2>\n

Bankalar gelir belgesiz bulunmayan ev han\u0131mlar\u0131ndan bankalara yapm\u0131\u015f olduklar\u0131 ba\u015fvurularda istedikleri evraklar gelir belgesi oldu\u011fundan bunu nas\u0131l temin edecekler do\u011fal olarak ki e\u015flerinin gelir belgelerini bankaya ileterek.<\/p>\n

\u00c7al\u0131\u015fan e\u015fe sahip bayanlar e\u015flerinin maa\u015f bordrolar\u0131n\u0131 ve gelir belgelerini bankadan istene evraklar aras\u0131nda bulundurarak istedikleri kredileri banka taraf\u0131ndan kolayl\u0131kla onaylanacakt\u0131r. Ev han\u0131mlar\u0131 \u00e7al\u0131\u015fan e\u015flerinin gelir belgesini bankaya sunarak do\u011frusu e\u015flerini kefil g\u00f6stererek ihtiya\u00e7 kredilerinden yararlanabilirler. Denizbankas\u0131, Akbank ve QNB Finansbankas\u0131ndan kredi kart\u0131 olanlar\u0131n e\u015flerine verdikleri ek kart ile ev han\u0131mlar\u0131na kredi kart\u0131 sunan bankalard\u0131r.<\/p>\n

 <\/p>\n

\u0130potek kar\u015f\u0131l\u0131\u011f\u0131 kredi ba\u015fvurusu<\/span><\/h2>\n

Ev han\u0131mlar\u0131 kefil g\u00f6stererek ihtiya\u00e7 kredisi \u00e7ekebilecekleri gibi acil nakit ihtiya\u00e7lar\u0131n\u0131n kar\u015f\u0131lanmas\u0131 amac\u0131yla talepte bulunduklar\u0131 y\u00fcksek limitli kredi ba\u015fvurular\u0131 da ta\u015f\u0131nmaz bir mal\u0131n\u0131 ipotek g\u00f6stererek de kredi alabilirler.<\/p>\n

2017 senesinde\u00a0 ev han\u0131mlar\u0131na kredi veren bankalar zor durumdaki ev han\u0131mlar\u0131n\u0131n kredileri sorunsuz bir halde alabilmeleri i\u00e7in ipotek kar\u015f\u0131l\u0131\u011f\u0131nda da kredi kulland\u0131rmaya devam edecektir. Ev han\u0131mlar\u0131n\u0131n kendi \u00fczerlerine kay\u0131tl\u0131 herhangi bir ev, tarla, arsa, otomobil, trakt\u00f6r yada k\u00fcpe numaralar\u0131 ziraat il\u00e7e m\u00fcd\u00fcrl\u00fc\u011f\u00fcne kay\u0131tl\u0131 b\u00fcy\u00fckba\u015f yada k\u00fc\u00e7\u00fckba\u015f hayvan sahibi ise bunlar\u0131 bankaya ipotek g\u00f6stererek istedikleri limitlerde kredi finansman\u0131na eri\u015febilirler.<\/p>\n

Ziraat bankas\u0131 hayvan sahibi ev han\u0131mlar\u0131n\u0131n hayvanlar\u0131n\u0131 ipotek g\u00f6stermeleri \u015fart\u0131yla 6 ayda bir 12 ayda bir \u00f6demeli d\u00f6nemli olarak kredi veren bankalar aras\u0131ndad\u0131r. \u00c7ift\u00e7i kay\u0131t sistemine dahil olan ev han\u0131mlar\u0131 kredi almak i\u00e7in\u00a0 yukar\u0131daki gereklilikleri yerine getirerek Ziraat bankas\u0131ndan kredi alabilirler.<\/p>\n

 <\/p>\n

Kira gelir belgesi kar\u015f\u0131l\u0131\u011f\u0131nda kredi ba\u015fvurusu<\/span><\/h2>\n

Gelir belgesi olmayan ama yan gelir sahibi olan kira geliri gibi gelir belgesini ispatlayaman ev han\u0131mlar\u0131 t\u00fcm bankalardan kolayl\u0131kla kredi alabilirler. Bankalar kira geliri olan ev han\u0131mlar\u0131ndan kirac\u0131 ile anla\u015f\u0131lan ayl\u0131k kira gelirinin ne kadar bulundu\u011funu \u00f6\u011frenmek i\u00e7in kira s\u00f6zle\u015fme\u0131 s\u00f6zle\u015fmesini talep ederek 48 ay vadeli olarak ihtiya\u00e7 kredisi vermektedir.<\/p>\n

Bankalara g\u00f6sterece\u011fi ipote\u011fi olmayan, \u00e7al\u0131\u015fan e\u015fini kefil g\u00f6steremeyen veya kira geliri ile kredi\u00a0 olmayan ev han\u0131mlar\u0131 ne yapmal\u0131? Ev han\u0131mlar\u0131 herhangi bir devlete yada \u00f6zel bankadan a\u00e7t\u0131racaklar\u0131 mevduat hesaplar\u0131nda nakit ak\u0131\u015f\u0131 sa\u011flamak ad\u0131na bir ka\u00e7 ay d\u00fczenli olarak para transferi yapmal\u0131d\u0131r Bu \u015fekilde bankalar k\u0131sa s\u00fcre i\u00e7inde ev han\u0131mlar\u0131na ihtiya\u00e7 kredisi avantaj\u0131 sunacakt\u0131r. Baz\u0131 bankalarda bu i\u015flemlere gerek bile kalmadan web bankac\u0131l\u0131\u011f\u0131ndan do\u011frudan ev han\u0131mlar\u0131n\u0131n kredi ba\u015fvurular\u0131n\u0131 kabul etmektedir.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ev Han\u0131mlar\u0131na Direk Kredi Veren Bankalar-\u00c7al\u0131\u015fmayan yada herhangi bir i\u015fle me\u015fgul olmayan ve resmi bir geliri olmayan ev han\u0131mlar\u0131 i\u00e7in bankalar kredi ve kredi kart\u0131 Devam\u0131n\u0131 Okuyun…<\/span><\/a><\/p>\n<\/div>","protected":false},"author":9,"featured_media":4758,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"yoast_head":"\nEv Han\u0131mlar\u0131na Direk Kredi Veren Bankalar<\/title>\n<meta name=\"description\" content=\"Ev Han\u0131mlar\u0131na Direk Kredi Veren Bankalar-\u00c7al\u0131\u015fmayan yada herhangi bir i\u015fle me\u015fgul olmayan ve resmi bir geliri olmayan ev han\u0131mlar\u0131 i\u00e7in bankalar kredi ve\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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