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{"id":5326,"date":"2017-07-13T09:19:17","date_gmt":"2017-07-13T06:19:17","guid":{"rendered":"http:\/\/bankakredinotu.net\/?p=5326"},"modified":"2017-08-03T20:31:32","modified_gmt":"2017-08-03T17:31:32","slug":"konutun-tamamina-kredi-veren-bankalar","status":"publish","type":"post","link":"https:\/\/bankakredinotu.net\/konutun-tamamina-kredi-veren-bankalar-5326","title":{"rendered":"Konutun Tamam\u0131na Kredi Veren Bankalar"},"content":{"rendered":"

Evin tamam\u0131na pe\u015finat vermeden kredi veren bankalar de\u011finece\u011fiz. \u0130lk olarak konumuzdan biraz bahsedelim. Bizim bu yaz\u0131m\u0131zda i\u015fleyece\u011fimiz konu, bir konut alan ki\u015fi tamam\u0131na nas\u0131l kredi kullanabilir? Konut kredisine ba\u015fvuran ki\u015filer normal \u015fartlarda yasalarla sabit olarak ekspertiz de\u011ferinin %75<\/u><\/strong>\u2019i kadar kredi \u00e7ekebilmektedir. Bu konuda yay\u0131nlanan yasalar gere\u011fi de bu b\u00f6yledir. BBDK<\/strong><\/a>\u2019 n\u0131n kurallar\u0131nda da yer edinmektedir. Bu nedenden dolay\u0131 konut kredisine ba\u015fvuracak ki\u015filerin \u00e7o\u011funlu\u011fu krediye ba\u015fvurmaktan vazge\u00e7mektedirler. Ancak bu krediyi ekspertiz de\u011ferinin belirledi\u011fi konut fiyat\u0131n\u0131n tamam\u0131n\u0131 kredi olarak alabilmenin yollar\u0131 vard\u0131r. Normal durumlarda evin tamam\u0131na kredisi verilmesi engellenmi\u015f olsa bile pe\u015finat vermeden evin tamam\u0131n\u0131n de\u011feri kadar kredi \u00e7ekmenin yollar\u0131;<\/p>\n

Gayrimenkul \u0130potek Ettirerek Y\u00fczde Y\u00fcz Kredi \u00c7ekme<\/strong><\/h2>\n

Y\u00fczde y\u00fcz kredi almak isteyen ki\u015filerin ikinci bir de\u011ferli gayrimenkul, arsa veya araba gibi bir ipotek ettirecek mal\u0131 olmas\u0131 gereklidir. \u015e\u00f6yle anlatal\u0131m her ikinci bir malla olaca\u011f\u0131n\u0131 s\u00f6yleyemeyiz. \u00c7\u00fcnk\u00fc alaca\u011f\u0131n\u0131z konut kredisi ba\u015fvurusundan sonra alaca\u011f\u0131n\u0131z evin ekspertiz de\u011ferinin %75<\/strong><\/span>\u2019i kadar kredi \u00e7ekme hakk\u0131n\u0131z olacakt\u0131r. Bu durumda kalan %25\u2019lik paray\u0131 kar\u015f\u0131layacak bir gayrimenkul, ev, ara\u00e7 vs. olmas\u0131 gereklidir. Elinizde olan gayrimenkul, ev, ara\u00e7 %25\u2019den fazla de\u011feri varsa, de\u011ferinin tamam\u0131 kadar kredi \u00e7ekebilmektedir. Tabi ki bu durumda ipotek alt\u0131ndaki mal\u0131n\u0131z bor\u00e7 bitmedi\u011fi s\u00fcrece ipotekli kalmaktad\u0131r. Bu durumla da bankalar\u0131n kendini g\u00fcvenceye ald\u0131\u011f\u0131n\u0131 anlayabilmekteyiz. \u00d6rnek olarak evin ekspertiz de\u011feri 1.000.000 (bir milyon) TL, bu eve 750.000 TL kredi \u00e7\u0131kabilmektedir. Kalan 250.000 TL\u2019 de\u011ferdeki bir mal\u0131n\u0131z varsa y\u00fczde y\u00fcz kredi \u00e7ekebilmektesiniz. Hatta diyelim mal\u0131n\u0131z 300.000 TL de\u011ferindeyse evi almak i\u00e7in 1.000.000 TL art\u0131 50.000 TL kredi \u00e7ekmi\u015f olacaks\u0131n\u0131z.<\/p>\n

\"Gayrimenkul<\/a>
Konut ve evlerin tamam\u0131na kredi veren bankalar hangileri ?<\/figcaption><\/figure>\n

Konut Kredisinde, Konutun Tamam\u0131na Kredi \u00c7ekme Eksper De\u011ferini Y\u00fcksek G\u00f6stermek<\/strong><\/h2>\n

Baz\u0131 bankalar kredi verebilmek i\u00e7in evin ekspertiz de\u011ferini y\u00fcksek g\u00f6stererek size kredi \u00e7ekme f\u0131rsat\u0131 sunarlar. Bu durumlar \u015f\u00f6yle ger\u00e7ekle\u015fir; sat\u0131n al\u0131nmak istenen evin ger\u00e7ek ekspertiz de\u011feri 100.000 TL ise %70 oran\u0131nda konut kredisi verilmektedir. Yani 70.000 TL en fazla krediden faydalanabilirsiniz. Ancak ekspertiz de\u011ferini y\u00fcksek g\u00f6stererek konut kredisinde verilecek miktar\u0131 y\u00fckseltmektedirler. Bu y\u00f6ntemle kredinin y\u00fcksekten verilmesini sa\u011flayan tek etken ekspertizlerdir. Ekspertiz evin de\u011ferini y\u00fcksek g\u00f6stermezse pe\u015finat vermeden y\u00fczde y\u00fczl\u00fck bir konut kredisi \u00e7ekme imk\u00e2n\u0131n\u0131z yoktur. Y\u00fczde y\u00fcz kredi \u00e7ekmenin bir di\u011fer yolundan bahsedece\u011fiz.<\/p>\n

Y\u00fczde Y\u00fcz Konut Kredisi \u0130\u00e7in Kefil G\u00f6sterme<\/strong><\/p>\n

Baz\u0131 bankalar\u0131n konut kredisi<\/strong><\/a> verirken y\u00fczde y\u00fcz kredi ba\u015fvurusu yapan ki\u015filerin kefil g\u00f6stermeleri halinde bu krediyi tahsil edebileceklerini s\u00f6ylemelidir. Bu uygulamay\u0131 her bankan\u0131n yapmad\u0131\u011f\u0131n\u0131 hat\u0131rlatmak gerekir. E\u011fer evin y\u00fczde y\u00fcz\u00fcn\u00fc kar\u015f\u0131layamama durumunuz varsa size kefil olacak ki\u015fiyi getirerek m\u00fc\u015fteri temsilcisinin sundu\u011fu evraklar\u0131 onaylayarak imzalamal\u0131s\u0131n\u0131z. Burada kefil olan ki\u015fi sayesinde evin tamam\u0131na kredi \u00e7ekmi\u015f olmaktas\u0131n\u0131z. Ancak tekrar olarak s\u00f6ylemeliyiz ki her bankada kabul edilen bir i\u015flem olmamakla beraber kefil bulmakta bu devirde hi\u00e7 kolay bir olay de\u011fildir.<\/p>\n","protected":false},"excerpt":{"rendered":"

Evin tamam\u0131na pe\u015finat vermeden kredi veren bankalar de\u011finece\u011fiz. \u0130lk olarak konumuzdan biraz bahsedelim. Bizim bu yaz\u0131m\u0131zda i\u015fleyece\u011fimiz konu, bir konut alan ki\u015fi tamam\u0131na nas\u0131l kredi Devam\u0131n\u0131 Okuyun…<\/span><\/a><\/p>\n<\/div>","protected":false},"author":9,"featured_media":5327,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[57],"tags":[],"yoast_head":"\nKonutun Tamam\u0131na Kredi Veren Bankalar<\/title>\n<meta name=\"description\" content=\"Evin tamam\u0131na pe\u015finat vermeden kredi veren bankalar de\u011finece\u011fiz. \u0130lk olarak konumuzdan biraz bahsedelim. 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