B\u00adankalar ge\u00e7ti\u011fimiz hafta korona salg\u0131n\u0131 nedeniyle \u00f6deme dengesi bozulan t\u00fcketiciler i\u00e7in konut kredisi bor\u00e7lar\u0131n\u0131 erteleyece\u011fini duyurmu\u015ftu. Ertelemenin netle\u015fmesi ile bir m\u00fcjde de kamu bankalar\u0131ndan geldi.<\/p>\n
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Ge\u00e7ti\u011fimiz hafta bankalar coronavirus kapsam\u0131nda \u00f6deme g\u00fcc\u00fc bozulan m\u00fc\u015fteriler i\u00e7in kredi bor\u00e7lar\u0131n\u0131 erteledi\u011fini duyurdu. Kamu bankalar\u0131n\u0131n \u00f6nc\u00fcl\u00fck etti\u011fi kampanyaya k\u0131sa zamanda bir\u00e7ok \u00f6zel bankada destek verdi.<\/p>\n
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Ge\u00e7ti\u011fimiz hafta duyurular\u0131n yap\u0131lmas\u0131na ra\u011fmen hen\u00fcz erteleme i\u015flemine ba\u015flamayan \u00f6zel bankalar Hazine ve Maliye Bakan\u0131 Berat Albayrak\u2019\u0131n \u2018konunun takip\u00e7isiyiz\u2019 ifadelerinin ard\u0131ndan bu hafta ile kulland\u0131r\u0131ma ba\u015flad\u0131.<\/p>\n
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\u00d6ncelikli olan sekt\u00f6rlerdeki ticari kredilere 12 aya kadar erteleme imkan\u0131 sunan bankalar bireysel m\u00fc\u015fterilerinin ta\u015f\u0131t kredisi, konut kredisi ve ihtiya\u00e7 kredisi bor\u00e7lar\u0131 i\u00e7in \u00fc\u00e7, alt\u0131 ve on iki aya kadar erteleme imkan\u0131 sunuyor.<\/p>\n
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Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) d\u00fcn itibariyle sistemi rahatlatacak bir hamleye ad\u0131m att\u0131. \u0130htiya\u00e7 kredilerinde 60 ay konut kredisinde ise bankalara g\u00f6re 120 ile 180 aya kadar olan maksimum kredi vadesinde ertelemeye ili\u015fkin bir istisnaya gitti. Kredisini yeni \u00e7eken ve \u00f6rne\u011fin 60 ay vadeye tak\u0131larak erteleme imkan\u0131 bulamayan t\u00fcketiciler i\u00e7in maksimum kredi vadesinin \u00fcst\u00fcne erteleme vadesi eklenebilecek.<\/p>\n
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Kredi ertelemeye ba\u015flayan bankalar\u0131n erteleme i\u00e7in y\u00fcksek faiz oranlar\u0131 sunmas\u0131 t\u00fcketici taraf\u0131ndan tepkiyle kar\u015f\u0131lanm\u0131\u015ft\u0131. Kamu bankalar\u0131 t\u00fcketiciyi olduk\u00e7a rahatlatacak bir uygulamaya giderek kredi erteleme faizlerini kredi s\u00fcresince yayma karar\u0131 ald\u0131.<\/p>\n
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Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank\u2019tan konut kredisi erteleme yapmak isteyen t\u00fcketici erteleme s\u00fcresi boyunca hi\u00e7bir \u00f6deme yapmayacak ve erteleme faizi kredinin geri kalan\u0131na eklenerek vadeye e\u015fit taksitli olarak b\u00f6l\u00fcnecek.<\/p>\n
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Bankalar\u0131n salg\u0131n nedeniyle ekonomik olarak g\u00fc\u00e7l\u00fck \u00e7eken t\u00fcketiciye sundu\u011fu bu destek olduk\u00e7a cazip duruyor.<\/p>\n
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\u00d6zel bankalardan baz\u0131lar\u0131da y\u00fcksek tutarl\u0131 konut kredisi taksitlerine ek bir faiz uygulanmayaca\u011f\u0131n\u0131 ve kredi faiz oran\u0131 \u00fczerinden ertelenen ay kadar faiz uygulanaca\u011f\u0131n\u0131 bildirdi.<\/p>\n
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Baz\u0131 bankalar salg\u0131n\u0131n olu\u015fturdu\u011fu tehdidi en aza indirmek i\u00e7in SMS ile \u00e7a\u011fr\u0131 merkezi arac\u0131l\u0131\u011f\u0131yla ya da online bankac\u0131l\u0131k sistemi \u00fczerinden \u015fubeye gitmeden kredi yap\u0131land\u0131rmaya ve kredi erteleme yapmaya ba\u015flad\u0131.<\/p>\n
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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re kamu bankalar\u0131ndan %0.79 faiz oran\u0131 ile 100.000 TL tutarda ve 5 y\u0131l vade boyunca kredi borcu olan bir t\u00fcketici i\u00e7in konut kredisi erteleme hesaplama yap\u0131ld\u0131\u011f\u0131nda alt\u0131 ay \u00f6demesiz d\u00f6nem sonra t\u00fcketicinin ayl\u0131k \u00f6demeleri 1.950 TL, toplam geri \u00f6demesi ise 128.700 TL oluyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
B\u00adankalar ge\u00e7ti\u011fimiz hafta korona salg\u0131n\u0131 nedeniyle \u00f6deme dengesi bozulan t\u00fcketiciler i\u00e7in konut kredisi bor\u00e7lar\u0131n\u0131 erteleyece\u011fini duyurmu\u015ftu. Ertelemenin netle\u015fmesi ile bir m\u00fcjde de kamu bankalar\u0131ndan geldi. Ge\u00e7ti\u011fimiz hafta bankalar coronavirus kapsam\u0131nda \u00f6deme g\u00fcc\u00fc bozulan m\u00fc\u015fteriler i\u00e7in kredi bor\u00e7lar\u0131n\u0131 erteledi\u011fini duyurdu. Kamu bankalar\u0131n\u0131n \u00f6nc\u00fcl\u00fck etti\u011fi kampanyaya k\u0131sa zamanda bir\u00e7ok \u00f6zel bankada destek verdi. Ge\u00e7ti\u011fimiz hafta […]<\/p>\n","protected":false},"author":1,"featured_media":27911,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[11121,951,14172],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31339"}],"collection":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=31339"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31339\/revisions"}],"predecessor-version":[{"id":31340,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31339\/revisions\/31340"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/27911"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31339"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31339"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31339"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}