Ge\u00e7ti\u011fimiz ay Korornavir\u00fcs nedeniyle Ekonumik istikrar Kalk\u0131nma paketi a\u00e7\u0131klamas\u0131nda kredi \u00f6demeleri 3 ay ertelenece\u011fi duyuruldu. Konut alanlar\u0131n kulland\u0131\u011f\u0131 konut kredisi i\u00e7inde ertelemeler ba\u015flad\u0131. Konut kredisini ertelemek i\u00e7in nas\u0131l bir yol izlenmeli? Merak etti\u011finiz konu haberin detaylar\u0131nda.<\/p>\n
Ya\u015fad\u0131\u011f\u0131m\u0131z salg\u0131n hastal\u0131\u011fa kar\u015f\u0131 a\u00e7\u0131klanan Ekonomik \u0130stikrar Kalk\u0131nma \u00e7er\u00e7evesinde krediler i\u00e7in erteleme uygulanaca\u011f\u0131 s\u00f6ylenmi\u015fti. Konut kredisi i\u00e7in bor\u00e7lu olan vatanda\u015flar\u0131m\u0131z bor\u00e7lar\u0131n\u0131n ertelenip ertelenmeyece\u011fi ve hangi bankalar\u0131n bu erteleme i\u015flemini yapaca\u011f\u0131.<\/p>\n
Baz\u0131 bankalar Ziraat Bankas\u0131, Vak\u0131fbank,\u00a0Halkbank konut kredileri i\u00e7in erteleme \u015fartlar\u0131n\u0131 da a\u00e7\u0131klad\u0131. Kamu baklar\u0131n\u0131n bu a\u00e7\u0131klamas\u0131 sonras\u0131nda ayr\u0131ca \u00f6zel bankalar da bu konu ile ilgili kampanya ba\u015flatt\u0131lar.\u00a0Konut kredisi, ihtiya\u00e7 kredisi\u00a0 erteleme i\u015flemi nas\u0131l yap\u0131l\u0131yor? Kredi erteleme i\u00e7in bankalar\u0131n ne gibi \u015fartlar \u00f6ne s\u00fcr\u00fcyorlar?<\/p>\n
* \u00c7e\u015fitli bireysel ve kurumsal kredilerin erteleme talebinde bulunmas\u0131 durumunda 31 Mart 2020’ne kadar \u00f6denmesi gereken taksitler, kar pay\u0131, anapara \u00f6demeleri ertelenecek.<\/p>\n
* Nakit ak\u0131\u015f\u0131 y\u00f6n\u00fcnde olumsuzluk ya\u015fayan ya da ya\u015fayaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnen ve bununla ba\u011flant\u0131l\u0131 olarak \u00f6deme sorunu ya\u015fayabilece\u011fini d\u00fc\u015f\u00fcnen m\u00fc\u015fterilerimiz mevcut finansmanlar\u0131n\u0131 6 aya kadar \u00f6demesiz olmak \u00fczere, d\u00f6nemsel faaliyetlere sahip sekt\u00f6rler ise 12 ay gibi ek s\u00fcreler tan\u0131nabilecek.<\/p>\n
– Firmalar\u0131nda \u00e7al\u0131\u015fanlar\u0131n maa\u015flar\u0131n\u0131, Ziraat Kat\u0131l\u0131m Bankas\u0131’ndan \u00f6deyen firmalar 29 \u015eubat 2020’den itibaren i\u015ften \u00e7\u0131karma yapmamalar\u0131 ko\u015fuluyla ihtiya\u00e7lar\u0131 durumunda 3 ay gibi \u00e7al\u0131\u015fanlara \u00f6denecek olan maa\u015f giderleri kadar ek limit imk\u00e2n\u0131 sa\u011flanacakt\u0131r.<\/p>\n
Ziraat Bankas\u0131’nda kredi ertelemesi nas\u0131l yap\u0131l\u0131yor?<\/strong><\/p>\n Ziraat Bankas\u0131 Bor\u00e7 Ertelemesi Dilek\u00e7e nas\u0131l yaz\u0131l\u0131r?<\/p>\n Ziraat Bankas\u0131 ___ \u015eube M\u00fcd\u00fcrl\u00fc\u011f\u00fcne<\/p>\n Bankan\u0131zdan __\/_._\/__ tarihinde __ vade s\u00fcresi ile \u00e7ekmi\u015f oldu\u011fum \u00e7ift\u00e7i kredinizin __ k\u0131sm\u0131n\u0131 \u00f6dedim. Finansal \u00f6deme durumumun kredi bor\u00e7lar\u0131n\u0131 \u00f6demek i\u00e7in \u015fu an uygun de\u011fildir. Borcumu durumum elverdi\u011finde \u00f6demeye ba\u015flayaca\u011f\u0131m. Bu sebepten \u00f6t\u00fcr\u00fc, \u00f6deyemedi\u011fim taksitlerimin bir s\u00fcre ertelenmesi talep ediyorum.<\/p>\n Gere\u011finin yap\u0131lmas\u0131n\u0131 arz ederim..<\/p>\n Salg\u0131n nedeniyle \u00fclkemizdesa\u011fl\u0131\u011f\u0131 korumak ve salg\u0131n\u0131n yay\u0131lmas\u0131n\u0131 \u00f6nlemek amac\u0131 ile evde kal \u00e7a\u011fr\u0131s\u0131 yay\u0131ld\u0131. Bu \u00e7a\u011fr\u0131lar do\u011frultusunda kepenklerine kilit vurarak i\u015f yerlerinin faaliyetlerini durdurmak olan bir\u00e7ok i\u015fletme ve i\u015fsiz kalan vatanda\u015flar\u0131m\u0131z\u0131n zorlu s\u00fcre\u00e7te ekonomik olarak s\u0131k\u0131nt\u0131 ya\u015famamalar\u0131 i\u00e7in \u00e7e\u015fitli \u00f6nlemler al\u0131narak a\u00e7\u0131kland\u0131. A\u00e7\u0131klanan \u00f6nlemlere kamu bankalar\u0131 olmak \u00fczere \u00f6zel bankalar da destek verildiler. Halk Bankas\u0131\u2019da \u00f6nlem haz\u0131rlad\u0131\u011f\u0131 paketi duyurdu:<\/p>\n * Halkbank’\u0131n a\u00e7\u0131klamas\u0131na g\u00f6re 31 Mart 2020’ye kadar olan taksit, faiz ve anaparas\u0131n\u0131 \u00f6demekte zorluk ya\u015fayan firmalar, k\u00fc\u00e7\u00fck ve b\u00fcy\u00fck i\u015fletmelerke bireysel m\u00fc\u015fterilerin, bu zor d\u00f6nemde \u00f6demelerinde erteleme yapabilecektir.<\/p>\n * Kredi kullan\u0131m\u0131 yapan esnaf\u0131n kredi erteleme talebinde bulunmas\u0131 halinde alm\u0131\u015f olduklar\u0131 kredilerin, 31 Haziran 2020 tarihine kadar \u00f6deme vadelerinden itibaren 3 ay s\u00fcre boyunca ve faizsiz \u015fekilde ertelenme imkan\u0131 sunuldu.<\/p>\n * Bu zor s\u00fcre\u00e7te \u00f6deme s\u0131k\u0131nt\u0131s\u0131 ya\u015fayan banka m\u00fc\u015fterilerine, 6 aya kadar \u00f6demesiz kredilerini uygun vadeli yap\u0131land\u0131rma imk\u00e2n\u0131 sunulacak.<\/p>\n * Vak\u0131fbank m\u00fc\u015fterisi olan firmalar, 31 Mart 2020 tarihine kadar olan faizleri de d\u00e2hil olacak \u015fekilde 30 Haziran 2020 tarihine kadar olan b\u00fct\u00fcn kredi \u00f6demeleri konusunda esneklikler sa\u011flanacakt\u0131r.<\/p>\n * \u0130\u015fletmelerin mevcut kredileri, yine i\u015fletmelerin nakit ak\u0131\u015flar\u0131na uygun ve sekt\u00f6rel durumlar\u0131 g\u00f6z \u00f6n\u00fcnde bulundurularak \u00f6demesiz d\u00f6nemli \u015fekilde tekrar yap\u0131land\u0131r\u0131lacak.<\/p>\n – Vak\u0131fBank, bireysel kredi m\u00fc\u015fterileri \u015f\u00e7in de taksit ve kredi kart\u0131 \u00f6demelerinin 3 aya kadar ertelenebilece\u011fini de duyurdu.<\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" Ge\u00e7ti\u011fimiz ay Korornavir\u00fcs nedeniyle Ekonumik istikrar Kalk\u0131nma paketi a\u00e7\u0131klamas\u0131nda kredi \u00f6demeleri 3 ay ertelenece\u011fi duyuruldu. Konut alanlar\u0131n kulland\u0131\u011f\u0131 konut kredisi i\u00e7inde ertelemeler ba\u015flad\u0131. Konut kredisini ertelemek i\u00e7in nas\u0131l bir yol izlenmeli? Merak etti\u011finiz konu haberin detaylar\u0131nda. Ya\u015fad\u0131\u011f\u0131m\u0131z salg\u0131n hastal\u0131\u011fa kar\u015f\u0131 a\u00e7\u0131klanan Ekonomik \u0130stikrar Kalk\u0131nma \u00e7er\u00e7evesinde krediler i\u00e7in erteleme uygulanaca\u011f\u0131 s\u00f6ylenmi\u015fti. Konut kredisi i\u00e7in bor\u00e7lu olan […]<\/p>\n","protected":false},"author":1,"featured_media":29019,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[12622,14215,14216,14214,14213,2839,203],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31491"}],"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=31491"}],"version-history":[{"count":2,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31491\/revisions"}],"predecessor-version":[{"id":31494,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31491\/revisions\/31494"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29019"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31491"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31491"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Halk Bankas\u0131’ndan Konut Kredisi Erteleme Hakk\u0131nda A\u00e7\u0131klama:<\/h2>\n
Vak\u0131fBank Konut Kredisi Erteleme Hakk\u0131nda A\u00e7\u0131klamas\u0131:<\/h2>\n