{"id":59028,"date":"2024-05-05T22:53:53","date_gmt":"2024-05-05T19:53:53","guid":{"rendered":"https:\/\/ambylegal.by\/news\/what-you-need-to-know-about-consumer-lending\/"},"modified":"2024-05-05T22:53:53","modified_gmt":"2024-05-05T19:53:53","slug":"what-you-need-to-know-about-consumer-lending","status":"publish","type":"post","link":"https:\/\/ambylegal.by\/tr\/news\/what-you-need-to-know-about-consumer-lending\/","title":{"rendered":"T\u00fcketici Kredileri Hakk\u0131nda Bilmeniz Gerekenler"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<div class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Table of Contents<\/div>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ambylegal.by\/tr\/news\/what-you-need-to-know-about-consumer-lending\/#Tuketici_kredisi_nedir\" >T\u00fcketici kredisi nedir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ambylegal.by\/tr\/news\/what-you-need-to-know-about-consumer-lending\/#Tuketici_Kredileri_Nasil_Verilir\" >T\u00fcketici Kredileri Nas\u0131l Verilir<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ambylegal.by\/tr\/news\/what-you-need-to-know-about-consumer-lending\/#Kredilerin_Ne_Zaman_Reddedilmesi_Mumkundur\" >Kredilerin Ne Zaman Reddedilmesi M\u00fcmk\u00fcnd\u00fcr<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/ambylegal.by\/tr\/news\/what-you-need-to-know-about-consumer-lending\/#Banka_Kredi_Vermeden_Once_Sizi_Ne_Konuda_Bilgilendirecektir\" >Banka Kredi Vermeden \u00d6nce Sizi Ne Konuda Bilgilendirecektir<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/ambylegal.by\/tr\/news\/what-you-need-to-know-about-consumer-lending\/#Ek_Ucretli_Hizmetler_ve_Bu_Hizmetlerin_Zorunlu_Olmadigi_Haller\" >Ek \u00dccretli Hizmetler ve Bu Hizmetlerin Zorunlu Olmad\u0131\u011f\u0131 Haller<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/ambylegal.by\/tr\/news\/what-you-need-to-know-about-consumer-lending\/#Ek_ucretli_hizmetlerin_reddedilmesi\" >Ek \u00fccretli hizmetlerin reddedilmesi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/ambylegal.by\/tr\/news\/what-you-need-to-know-about-consumer-lending\/#Ek_ucretli_hizmetlere_riza\" >Ek \u00fccretli hizmetlere r\u0131za<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/ambylegal.by\/tr\/news\/what-you-need-to-know-about-consumer-lending\/#Kredi_Geri_Odemesinin_Ozellikleri\" >Kredi Geri \u00d6demesinin \u00d6zellikleri<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/ambylegal.by\/tr\/news\/what-you-need-to-know-about-consumer-lending\/#Bizimle_Iletisime_Gecin\" >Bizimle \u0130leti\u015fime Ge\u00e7in&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">Kredi almadan \u00f6nce, Belarus&#8217;ta gelecekteki finansal sorunlardan ka\u00e7\u0131nmak i\u00e7in birka\u00e7 hayati hususu g\u00f6z \u00f6n\u00fcnde bulundurmak esast\u0131r. Bu makale, do\u011fru se\u00e7imi yapabilmeniz ve krediyi finansal ama\u00e7lar\u0131n\u0131z i\u00e7in kullanabilmeniz ad\u0131na t\u00fcketici kredilendirmesi hakk\u0131nda bilmeniz gereken ana noktalar\u0131 ele alacakt\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tuketici_kredisi_nedir\"><\/span>T\u00fcketici kredisi nedir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcketici kredisi, di\u011fer ad\u0131yla &#8220;ihtiya\u00e7 kredisi&#8221; olarak adland\u0131r\u0131l\u0131r. T\u00fcketiciler yaln\u0131zca ger\u00e7ek ki\u015filer olabilir. Bu nedenle t\u00fcketici kredileri, bankalar\u0131n ger\u00e7ek ki\u015filere verdi\u011fi kredilerdir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Giri\u015fimcilik faaliyetiyle ilgili olmayan faaliyetleri finanse etmek i\u00e7in. Bu t\u00fcr faaliyetler tan\u0131mlanm\u0131\u015f olup madencilik, edinme, token sat\u0131\u015f\u0131, web sitesi geli\u015ftirme hizmetleri, zanaat faaliyetleri ve bir avukata dan\u0131\u015f\u0131larak \u00f6\u011frenilebilecek di\u011fer faaliyetleri kapsar.<\/li>\n\n\n\n<li>Kredinin hangi ama\u00e7la verildi\u011fi tan\u0131mlanmaks\u0131z\u0131n ger\u00e7ek ki\u015filerin ihtiya\u00e7lar\u0131n\u0131 finanse etmek i\u00e7in.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcketici kredileri \u00f6zellikle \u015funlard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kredili mevduat (overdraft) kredileri.<\/li>\n\n\n\n<li>\u00d6\u011frenci kredileri.<\/li>\n\n\n\n<li>Motorlu ta\u015f\u0131t ve tar\u0131m makineleri al\u0131m\u0131 i\u00e7in krediler.<\/li>\n\n\n\n<li>Ma\u011fazalarda taksitli \u00f6deme ko\u015fullu krediler.<\/li>\n\n\n\n<li>T\u00fcketiciler, daha \u00f6nce verilmi\u015f olan t\u00fcketici kredilerini yeniden finanse etmek i\u00e7in kredi alabilirler. Bu durumda yeniden finansman i\u00e7in verilen krediler de t\u00fcketici kredileri kapsam\u0131na girer.<\/li>\n\n\n\n<li>Gayrimenkul finansman\u0131 i\u00e7in verilen krediler t\u00fcketici kredisi kapsam\u0131na girmez.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tuketici_Kredileri_Nasil_Verilir\"><\/span>T\u00fcketici Kredileri Nas\u0131l Verilir<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcketici kredileri yaln\u0131zca Belarus rublesi cinsinden verilir. T\u00fcketici kredisi almak olduk\u00e7a basittir.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ad\u0131m 1. Banka ve kredi \u00fcr\u00fcn\u00fc se\u00e7imi<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para \u00f6d\u00fcn\u00e7 almay\u0131 planlad\u0131\u011f\u0131n\u0131z bankay\u0131 se\u00e7erken ve bir kredi \u00fcr\u00fcn\u00fc se\u00e7erken birka\u00e7 hususa dikkat etmeniz gerekir:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Kredinin erken \u00f6denme imkan\u0131.<\/li>\n\n\n\n<li>Kredi miktar\u0131n\u0131 ve geri \u00f6deme ko\u015fullar\u0131n\u0131, gelir d\u00f6nemleri ve gelir tutarlar\u0131 ile ili\u015fkilendirmek.<\/li>\n\n\n\n<li>B\u00fcy\u00fck bir al\u0131m i\u00e7in kredi alman\u0131n ki\u015fisel finansal durumu zorla\u015ft\u0131r\u0131p zorla\u015ft\u0131rmayaca\u011f\u0131n\u0131, iyile\u015ftirip iyile\u015ftirmeyece\u011fini veya etkileyip etkilemeyece\u011fini kavramak. T\u00fcketiciler genellikle kredi miktar\u0131n\u0131 ve kredi kullan\u0131m faizini geri \u00f6demeleri gerekece\u011fini unuturlar.<\/li>\n\n\n\n<li>Ge\u00e7ici gelir kayb\u0131 durumunda krediyi geri \u00f6deme imkan\u0131n\u0131 belirlemek.<\/li>\n\n\n\n<li>Kredinin geri \u00f6denmesindeki kolayl\u0131k.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ambylegal.by\/wp-content\/uploads\/2024\/05\/closeup-male-hands-using-laptop-office-1.png\" alt=\"\" class=\"wp-image-10155\" srcset=\"https:\/\/ambylegal.by\/wp-content\/uploads\/2024\/05\/closeup-male-hands-using-laptop-office-1.png 1000w, https:\/\/ambylegal.by\/wp-content\/uploads\/2024\/05\/closeup-male-hands-using-laptop-office-1-300x200.png 300w, https:\/\/ambylegal.by\/wp-content\/uploads\/2024\/05\/closeup-male-hands-using-laptop-office-1-768x512.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ad\u0131m 2. Kredi ba\u015fvurusu yapmak<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankay\u0131, vadeyi ve kredi tutar\u0131n\u0131 se\u00e7tikten sonra bir kredi ba\u015fvurusu yapman\u0131z gerekir. Bu \u00fccretsiz bir i\u015flemdir; bunun i\u00e7in bankaya \u00f6deme yap\u0131lmas\u0131 gerekmez.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir bankada \u015fahsen haz\u0131r bulunarak t\u00fcketici kredisi ba\u015fvurusunda bulunabilirsiniz. Baz\u0131 \u00e7evrim i\u00e7i (online) ve fiziksel ma\u011fazalar bankalarla i\u015f birli\u011fi yapmaktad\u0131r. Bu t\u00fcr ma\u011fazalardan kredili mal sat\u0131n al\u0131rken, do\u011frudan fiziksel bir ma\u011fazada veya bilgisayar \u00fczerinden kredi kullanabilirsiniz. Bu durumda, gelir d\u00fczeyinin t\u00fcketicinin beyan\u0131na g\u00f6re yaz\u0131ld\u0131\u011f\u0131 bir ba\u015fvuru b\u0131rakman\u0131z ve bankadan onay beklemeniz gerekir. Bazen banka gelir belgesi talep edebilir. Gelir belgesi, potansiyel bor\u00e7lunun \u00e7al\u0131\u015ft\u0131\u011f\u0131 \u015firketin muhasebecisinden al\u0131nabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ad\u0131m 3. Bankan\u0131n ba\u015fvuru sahibinin kredi itibar\u0131n\u0131 de\u011ferlendirmesi<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banka, kredi ba\u015fvurusunu birka\u00e7 parametreye g\u00f6re analiz eder. \u00d6rne\u011fin ba\u015fvuru sahibinin d\u00fczenli gelir miktar\u0131, kredi tutar\u0131, ba\u015fvuru sahibinin ya\u015f\u0131 ve kredi vadeleri ili\u015fkilendirilir. Buna &#8220;kredi itibar\u0131 de\u011ferlendirmesi&#8221; denir. Banka bu de\u011ferlendirme i\u00e7in bor\u00e7 y\u00fck\u00fc g\u00f6stergesini kullan\u0131r. Bu g\u00f6sterge, kredi geri \u00f6demesi i\u00e7in yap\u0131lan ayl\u0131k \u00f6demelerin ve kiralama \u00f6demelerinin y\u00fczdesel oran\u0131 ile ba\u015fvuru sahibinin ortalama ayl\u0131k geliri olarak hesaplan\u0131r. Genel bir kural olarak, bu g\u00f6sterge %40&#8217;\u0131 ge\u00e7memelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ad\u0131m 4. Kredinin al\u0131nmas\u0131<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ba\u015fvuru onaylan\u0131rsa banka, kredi tutar\u0131n\u0131 do\u011frudan t\u00fcketiciye mal satan ma\u011fazaya aktarabilir. \u00c7evrim i\u00e7i olarak bir kredi s\u00f6zle\u015fmesi imzalayabilir veya bankan\u0131n kredi tutar\u0131n\u0131z\u0131 aktard\u0131\u011f\u0131 ma\u011fazayla taksit s\u00f6zle\u015fmesi yapabilirsiniz.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Belirli bir sat\u0131n alma amac\u0131 g\u00fctmeden kredi al\u0131nd\u0131\u011f\u0131nda, kredi bir bireyin \u00f6zel olarak a\u00e7\u0131lm\u0131\u015f banka hesab\u0131na aktar\u0131l\u0131r. B\u00f6yle bir hesap \u00fccretsiz olarak a\u00e7\u0131l\u0131r. Banka \u00e7o\u011funlukla bu hesap i\u00e7in bir kredi kart\u0131 \u00e7\u0131kar\u0131r. Bu t\u00fcr banka kredi \u00fcr\u00fcnleri &#8220;taksit kartlar\u0131&#8221; ad\u0131 alt\u0131nda yayg\u0131n olarak kullan\u0131lmaktad\u0131r.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Taksit esas\u0131na g\u00f6re kredi alman\u0131n bir di\u011fer yolu da ki\u015fisel banka \u00f6deme kart\u0131 \u00fczerinden al\u0131nan kredidir. Bankalar ile taksitle mal satan ma\u011fazalar aras\u0131nda anla\u015fmalar bulundu\u011fundan, bu t\u00fcr kredilerin faizleri genellikle t\u00fcketicinin ba\u011f\u0131ms\u0131z olarak bankaya kredi ba\u015fvurusunda bulunmas\u0131ndakinden daha d\u00fc\u015f\u00fckt\u00fcr.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kredilerin_Ne_Zaman_Reddedilmesi_Mumkundur\"><\/span>Kredilerin Ne Zaman Reddedilmesi M\u00fcmk\u00fcnd\u00fcr<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Se\u00e7enekler mevcut olmas\u0131na ra\u011fmen, bor\u00e7 y\u00fck\u00fcn\u00fcn ba\u015fvuru sahibinin gelirinin %40&#8217;\u0131n\u0131 a\u015fmas\u0131 durumunda banka t\u00fcketici kredisi vermeyecektir. Ba\u015fvuru sahibinin ter\u00f6rist faaliyetlere kar\u0131\u015ft\u0131\u011f\u0131 ki\u015filer listesinde yer almas\u0131 durumunda banka hi\u00e7bir istisna olmaks\u0131z\u0131n kredi vermeyecektir. Banka, ba\u015fvuru sahibinin kimli\u011fini do\u011frularken zorunlu kimlik tespiti s\u0131ras\u0131nda bunu \u00f6\u011frenecektir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Banka_Kredi_Vermeden_Once_Sizi_Ne_Konuda_Bilgilendirecektir\"><\/span>Banka Kredi Vermeden \u00d6nce Sizi Ne Konuda Bilgilendirecektir<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Banka bir kredi ba\u015fvurusu ald\u0131ktan sonra, ba\u015fvuru sahibini kredi ko\u015fullar\u0131 hakk\u0131nda \u00fccretsiz olarak bilgilendirmekle y\u00fck\u00fcml\u00fcd\u00fcr. Ba\u015fvuru \u00e7evrim i\u00e7i olarak g\u00f6nderildiyse bu bilgiler ka\u011f\u0131t \u00fczerinde veya elektronik ortamda sunulabilir. Ba\u015fvuru sahibi, bilgilendirmeden sonra ka\u011f\u0131t \u00fczerindeki bilgileri imzalar. Bu bilgiler kesin olarak tan\u0131mlanm\u0131\u015f hususlar\u0131 i\u00e7erir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kredi tutar\u0131 veya azami b\u00fcy\u00fckl\u00fc\u011f\u00fc, kredideki tek seferlik borcun azami miktar\u0131n\u0131 g\u00f6sterebilir.<\/li>\n\n\n\n<li>Kredinin verilme s\u00fcresi ve usul\u00fc, nas\u0131l verildi\u011fi.<\/li>\n\n\n\n<li>Kredi geri \u00f6deme ko\u015fullar\u0131 ve prosed\u00fcr\u00fc: Bir birey ka\u00e7 \u00f6demeyi, hangi tutarda ve hangi zaman diliminde yapmal\u0131d\u0131r? Bu genellikle kredi geri \u00f6deme tarihlerini ve tutarlar\u0131n\u0131 g\u00f6steren bir pland\u0131r (grafiktir).&nbsp;<\/li>\n\n\n\n<li>Kredinin geri \u00f6deme y\u00f6ntemi.<\/li>\n\n\n\n<li>Krediye tahakkuk eden faiz miktar\u0131, faizin nas\u0131l belirlendi\u011fi, hangi faiz oran\u0131n\u0131n (sabit veya de\u011fi\u015fken) uyguland\u0131\u011f\u0131 ve t\u00fcm kredi d\u00f6nemi i\u00e7in tahakkuk eden faiz miktar\u0131 olduk\u00e7a \u00f6nemlidir.<\/li>\n\n\n\n<li>Kredinin \u00f6nceden geri \u00f6denip \u00f6denemeyece\u011fi ve hangi ko\u015fullarda \u00f6denebilece\u011fi.&nbsp;<\/li>\n\n\n\n<li>Bor\u00e7lunun di\u011fer s\u00f6zle\u015fmeleri akdetmekle y\u00fck\u00fcml\u00fc olup olmad\u0131\u011f\u0131; banka genellikle kredinin geri \u00f6denmesini talep eder. Kefalet, rehin veya kredi geri \u00f6deme sigortas\u0131 bir geri \u00f6demeyi g\u00fcvence alt\u0131na alabilir. \u00d6rne\u011fin, sat\u0131n al\u0131nmas\u0131 i\u00e7in kredi kullan\u0131lan ara\u00e7lar\u0131n rehni. Teminat durumunda bor\u00e7lu, bankan\u0131n bor\u00e7 verme ko\u015fullar\u0131ndan biri olarak sundu\u011fu uygun s\u00f6zle\u015fmeyi akdetmek zorunda kalacakt\u0131r.<\/li>\n\n\n\n<li>Kredinin kullan\u0131labilece\u011fi ama\u00e7lar. Belirli bir e\u015fyan\u0131n veya hizmetin sat\u0131n al\u0131nmas\u0131 ya da giri\u015fimcilik faaliyetleri d\u0131\u015f\u0131ndaki faaliyetlerin finanse edilmesi olmad\u0131\u011f\u0131nda &#8220;t\u00fcketici ihtiya\u00e7lar\u0131&#8221; belirtilir.<\/li>\n\n\n\n<li>Kredinin ve faizin zaman\u0131nda geri \u00f6denmemesinden \u00f6t\u00fcr\u00fc bor\u00e7lunun sorumlulu\u011funun t\u00fcr\u00fc ve tutar\u0131.<\/li>\n\n\n\n<li>Kredi s\u00f6zle\u015fmesinde \u00f6ng\u00f6r\u00fclen ve banka veya di\u011fer ki\u015filer taraf\u0131ndan sa\u011flanan ek \u00fccretli hizmetlerin t\u00fcr\u00fc ve fiyat\u0131. Banka bu t\u00fcr kredi hizmetlerini dahil etti\u011finde, al\u0131c\u0131 ba\u015fvuru sahibi bu hizmetleri almay\u0131 kabul etmelidir.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banka, gerekli bilgilerin yan\u0131 s\u0131ra bor\u00e7 vermeye ili\u015fkin di\u011fer bilgileri de dahil edebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ek_Ucretli_Hizmetler_ve_Bu_Hizmetlerin_Zorunlu_Olmadigi_Haller\"><\/span>Ek \u00dccretli Hizmetler ve Bu Hizmetlerin Zorunlu Olmad\u0131\u011f\u0131 Haller<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bazen t\u00fcketici kredisi ko\u015fullar\u0131, bir bireyin ek \u00fccretli hizmetler almas\u0131n\u0131 \u00f6ng\u00f6r\u00fcr. \u00d6rne\u011fin, bir sigorta s\u00f6zle\u015fmesi akdetmek ve sigorta primlerini \u00f6demek, kredili olarak sat\u0131n almay\u0131 planlad\u0131\u011f\u0131n\u0131z araban\u0131n de\u011ferleme uzman\u0131na ba\u015fvurmak ve \u00fccret kar\u015f\u0131l\u0131\u011f\u0131nda de\u011ferlendirme yapt\u0131rmak gibi. Bu t\u00fcr hizmetleri almay\u0131 yaz\u0131l\u0131 olarak reddedebilir veya yaz\u0131l\u0131 r\u0131za ifade edebilirsiniz.&nbsp;<\/p>\n\n\n<div class=\"bcta bcta--post \">\r\n    <div class=\"bcta__title title\">Bireysel Banka Hesab\u0131<\/div>\r\n    <div class=\"bcta__snippet\">Belarus&#8217;ta h\u0131zl\u0131 ve g\u00fcvenli bir \u015fekilde bireysel banka hesab\u0131 a\u00e7\u0131n!<\/div>\r\n        <div class=\"bcta__more\">\r\n        <a href=\"https:\/\/ambylegal.by\/tr\/services\/opening-of-accounts-in-banks-of-the-republic-of-belarus\/opening-accounts-for-individuals\/\" class=\"btn btn--outline\">\r\n\t\t\tDetayl\u0131 Bilgi            <span class=\"btn__icon btn__icon--arrow\"><\/span>\r\n        <\/a>\r\n    <\/div>\r\n    <\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ek_ucretli_hizmetlerin_reddedilmesi\"><\/span>Ek \u00fccretli hizmetlerin reddedilmesi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bu t\u00fcr hizmetlerin reddedilmesi, her zaman kredi verilmeyece\u011fi anlam\u0131na gelmez. Bu durumda banka, kredi s\u00f6zle\u015fmesine \u00fccretli ek hizmet ko\u015fullar\u0131n\u0131 dahil etmeden bir kredi verebilir veya tutar ve vade a\u00e7\u0131s\u0131ndan benzer bir kredi sunmakla y\u00fck\u00fcml\u00fcd\u00fcr. Elbette b\u00f6yle bir kredinin sunulmas\u0131, bankan\u0131n kredi \u00fcr\u00fcnleri yelpazesinde b\u00f6yle bir kredinin bulunmas\u0131 halinde m\u00fcmk\u00fcnd\u00fcr.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ek_ucretli_hizmetlere_riza\"><\/span>Ek \u00fccretli hizmetlere r\u0131za<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ba\u015fvuru sahibi, kredi verme veya teminat ama\u00e7l\u0131 sigorta veya m\u00fclk de\u011ferlemesini kabul etti\u011finde bir sigorta \u015firketi veya m\u00fclk de\u011ferleme uzman\u0131 se\u00e7ebilir. Banka kendi se\u00e7eneklerini \u00f6nerebilir ancak bunlar\u0131 dayatamaz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayn\u0131 zamanda banka, bu t\u00fcr hizmetlerin maliyeti hakk\u0131nda bilgi vermelidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kredi_Geri_Odemesinin_Ozellikleri\"><\/span>Kredi Geri \u00d6demesinin \u00d6zellikleri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Krediyi geri \u00f6demenin bir\u00e7ok yolu vard\u0131r. Banka, bor\u00e7lu i\u00e7in \u00fccretsiz olacak yollardan en az birini belirtmek zorundad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcketici kredisinin erken \u00f6denmesi durumunda, faizin kredinin fiili kullan\u0131m s\u00fcresi i\u00e7in \u00f6denmesi gerekir. Krediyi \u00f6nceden geri \u00f6deyece\u011finizi bankaya bildirmeniz gerekmez.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bor\u00e7lu, talep \u00fczerine ayda bir kez \u00fccretsiz olarak kredi s\u00f6zle\u015fmesine ili\u015fkin bilgi alabilir. Bu t\u00fcr bilgiler \u00e7e\u015fitli ama\u00e7lar i\u00e7in gerekebilir ve \u015funlar\u0131 i\u00e7erir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kredi ve kredi s\u00f6zle\u015fmesi hakk\u0131nda bilgiler.<\/li>\n\n\n\n<li>Ana para ve faiz \u00fczerinden bor\u00e7lu olunan tutar.<\/li>\n\n\n\n<li>Vadesi ge\u00e7mi\u015f borcun tutar\u0131 (varsa).<\/li>\n\n\n\n<li>Para cezalar\u0131n\u0131n tutar\u0131 (verildikleri takdirde) ve bu bilgilerin al\u0131c\u0131ya g\u00f6nderildi\u011fi tarih.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu t\u00fcr bilgiler \u00e7evrim i\u00e7i olarak elde edilebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bizimle_Iletisime_Gecin\"><\/span>Bizimle \u0130leti\u015fime Ge\u00e7in&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcketici kredileri ile ilgili herhangi bir sorunuz varsa, <a href=\"https:\/\/ambylegal.by\/tr\/contact-us-en\/\">size yard\u0131mc\u0131 olmaktan<\/a> memnuniyet duyar\u0131z! \u0130mkanlar\u0131n\u0131z ve talebiniz do\u011frultusunda en avantajl\u0131 kredi ko\u015fullar\u0131n\u0131 se\u00e7menize yard\u0131mc\u0131 olaca\u011f\u0131z.<br>\u0130leti\u015fim kurman\u0131z i\u00e7in telefon ve e-posta se\u00e7enekleri hizmetinizdedir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>+375 29 505 10 51 (WhatsApp\/Telegram\/Viber);<\/li>\n\n\n\n<li>info@ambylegal.by.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Kredi almadan \u00f6nce, Belarus&#8217;ta gelecekteki finansal sorunlardan ka\u00e7\u0131nmak i\u00e7in birka\u00e7 hayati hususu g\u00f6z \u00f6n\u00fcnde bulundurmak esast\u0131r. Bu makale, do\u011fru se\u00e7imi yapabilmeniz ve krediyi finansal ama\u00e7lar\u0131n\u0131z i\u00e7in kullanabilmeniz ad\u0131na t\u00fcketici kredilendirmesi hakk\u0131nda bilmeniz gereken ana noktalar\u0131 ele alacakt\u0131r. T\u00fcketici kredisi nedir? T\u00fcketici kredisi, di\u011fer ad\u0131yla &#8220;ihtiya\u00e7 kredisi&#8221; olarak adland\u0131r\u0131l\u0131r. T\u00fcketiciler yaln\u0131zca ger\u00e7ek ki\u015filer olabilir. Bu nedenle [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7624,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3828],"tags":[],"class_list":["post-59028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>T\u00fcketici Kredileri Hakk\u0131nda Bilmeniz Gerekenler Belarus I Amby Legal<\/title>\n<meta name=\"description\" content=\"Do\u011fru se\u00e7imi yapmak ve krediyi finansal ama\u00e7lar\u0131n\u0131z do\u011frultusunda kullanmak i\u00e7in Belarus&#039;ta t\u00fcketici kredileri hakk\u0131nda bilmeniz gereken hayati hususlar.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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