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{"id":5279,"date":"2017-07-04T18:54:10","date_gmt":"2017-07-04T15:54:10","guid":{"rendered":"http:\/\/bankakredinotu.net\/?p=5279"},"modified":"2017-07-04T18:54:10","modified_gmt":"2017-07-04T15:54:10","slug":"pesinatsiz-araba-kredisi","status":"publish","type":"post","link":"https:\/\/bankakredinotu.net\/pesinatsiz-araba-kredisi-5279","title":{"rendered":"Pe\u015finats\u0131z Araba Kredisi"},"content":{"rendered":"

Pe\u015finats\u0131z Araba Kredisi <\/strong><\/h2>\n

Araba kredisi, Hepimiz biliyoruz ki art\u0131k araba bir zevk halinden \u00e7\u0131k\u0131p ihtiya\u00e7 haline gelmi\u015ftir. \u00d6zellikle b\u00fcy\u00fck \u015fehirde ya\u015fayanlar i\u00e7in kesinlikle ihtiya\u00e7 halindedir. Herkes arabaya ihtiya\u00e7 duyabilir. G\u00fcn\u00fcm\u00fczde ara\u00e7 s\u0131k\u0131nt\u0131s\u0131 \u00e7eken ki\u015filerin birinci sebepleri gereken maliyeti sa\u011flayamamalar\u0131d\u0131r. Araba almak tamam\u0131yla maliyet gerektirmektedir. Bunun sebebi \u00fclkemizde ara\u00e7lar\u0131n normalden biraz daha pahal\u0131 olmas\u0131d\u0131r. Bunun arkas\u0131ndan yak\u0131t fiyatlar\u0131 da ayn\u0131 \u015fekilde insanlar\u0131 korkutacak derecededir.<\/p>\n

B\u00fct\u00fcn bu s\u0131k\u0131nt\u0131lar\u0131n i\u00e7erisinde ara\u00e7 sahibi olmak isteyen ki\u015filerin daha do\u011frusu bu s\u0131k\u0131nt\u0131lar\u0131n alt\u0131ndan kalkabilece\u011fine inanan ki\u015finin ara\u00e7 kredisi kullanabilmesi i\u00e7in ya birikimi olmas\u0131 gerekmektedir ya da pe\u015finats\u0131z araba kredisi konumuzu okumal\u0131s\u0131n\u0131z.<\/p>\n

Pe\u015finats\u0131z Araba Kredisi Kampanyalar\u0131<\/strong><\/h2>\n

Art\u0131k baz\u0131 bankalar pe\u015finat istemeden ara\u00e7 kredisi sa\u011flayabilmektedir. Sat\u0131n almak istedi\u011finiz herhangi bir arac\u0131n sahibi olabilirsiniz. Bu kampanyayla cebinizde hi\u00e7bir birikim olmadan ara\u00e7 sahibi olabilmeniz m\u00fcmk\u00fcn oluyor. Baz\u0131 zamanlarda otomobil firmalar\u0131, bazen bankalar, bazen ise finans kurulu\u015flar\u0131 kendilerine ait ara\u00e7lar\u0131 de\u011fi\u015ftirmek ve yeni bir otomobil almak isteyen vatanda\u015flara s\u0131f\u0131r faizli kredi imk\u00e2n\u0131 sa\u011flayabilmektedir.<\/p>\n

Pe\u015finats\u0131z Araba Kredisi Veren Bankalar Ve \u015eartlar\u0131<\/strong><\/h2>\n

Bankalar\u0131n verecekleri krediler arac\u0131n t\u00fcm bedelini kredi olarak veremezler. Bunun \u00fczerine mevzuat sebepleri olan bankalar arac\u0131n tamam\u0131n\u0131 kar\u015f\u0131layacak miktarda kredi vermezler. Evet sizlere bahsetti\u011fimiz gibi pe\u015finats\u0131z araba kredisi almak konusu araban\u0131n de\u011ferine ba\u011fl\u0131d\u0131r. Ne kadar kredi \u00e7ekebilece\u011finiz konusu araban\u0131n de\u011ferine g\u00f6redir. Bu durumda 50.000 TL\u2019den \u00e7ok de\u011feri olan ara\u00e7lar i\u00e7in en fazla %70\u2019lik kredi imk\u00e2n\u0131 verilmektedir. Ayr\u0131ca bunlarla birlikte olurda arac\u0131n fiyat\u0131 50.000 TL\u2019den fazla ise, %70 kredi kullanma imk\u00e2n\u0131 varken, istedi\u011finiz kredi tutar\u0131 50.000 TL\u2019yi a\u015f\u0131yorsa arac\u0131n fiyat\u0131n\u0131n geri kalan k\u0131sm\u0131 i\u00e7inde en fazla %50 kredi kullanma imk\u00e2n\u0131n\u0131z vard\u0131r. Buradan \u015funu anlayabiliriz ki pe\u015finat olmadan ara\u00e7 kredisi kampanyas\u0131\u00a0haricinde mevzuat kararlar\u0131na g\u00f6re araba almak isteyen ki\u015filerin arac\u0131n %30\u2019u kadar de\u011feri civar\u0131nda pe\u015fin paralar\u0131 olmas\u0131 gereklidir. Nedeni \u015fu ki mevzuat maksimum de\u011ferinin %70\u2019i kadar otomobil kredisi\u00a0\u00e7ekmenize izin vermektedir. Tabi ki birka\u00e7 y\u00f6ntemler ile pe\u015fin paran\u0131z olmasa bile, otomobilin hepsine yani %100\u2019\u00fcne\u00a0pe\u015finats\u0131z otomobil kredisi\u00a0\u00e7ekmeniz muhtemel olacakt\u0131r.<\/p>\n

Pe\u015finats\u0131z Otomobil Kredisi<\/strong><\/h2>\n

Sizde s\u0131f\u0131r bir araba almak i\u00e7in eski otomobilinizi firmaya vermek istiyor ve takas tercihiniz olursa, geriye kalan fiyat i\u00e7in kredi alabilirsiniz. Otomobil \u0130\u015fletmesi sizden alaca\u011f\u0131 otomobil ad\u0131na bir bedel belirleyecektir. Fiyat belirlendikten sonra arac\u0131n\u0131z\u0131n fiyat\u0131n\u0131 pe\u015finat sayarak geri kalan tutar\u0131n\u0131z i\u00e7in otomobil kredisi kullanman\u0131za\u00a0izin verecektir. Bu konuda otomobil firmalar\u0131n\u0131 ziyaret ederek gereken bilgileri alabilirsiniz. Firmalara giderek bu konuda fiyat ara\u015ft\u0131rmas\u0131, arac\u0131n\u0131z\u0131n firmalar taraf\u0131ndan nas\u0131l de\u011ferlendirilece\u011fi ve yeni alaca\u011f\u0131n\u0131z ara\u00e7 firmas\u0131n\u0131n arac\u0131n\u0131za verece\u011fi de\u011feri iyice ara\u015ft\u0131rmaya alarak mant\u0131kl\u0131 bir yol \u00e7izmeniz yarar\u0131n\u0131za olacakt\u0131r.<\/p>\n

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Pe\u015finat \u00d6demeden\u00a0Otomobil Kredisi Sa\u011flayan Otomobil Firmalar\u0131<\/strong><\/h2>\n

Bu firmalara gitti\u011finizde sizlerden pe\u015finat istemeden ve kendi finans kurulu\u015flar\u0131 arac\u0131l\u0131\u011f\u0131yla otomobil kredisi imkan\u0131n\u0131 sa\u011flayacaklard\u0131r.<\/p>\n