{"id":291,"date":"2017-12-08T23:31:25","date_gmt":"2017-12-08T20:31:25","guid":{"rendered":"http:\/\/www.acilpara.gen.tr\/?p=291"},"modified":"2017-12-06T23:34:40","modified_gmt":"2017-12-06T20:34:40","slug":"senetle-kredi-veren-banka-var-mi","status":"publish","type":"post","link":"http:\/\/www.is-ilanlari.org\/acilpara\/senetle-kredi-veren-banka-var-mi\/","title":{"rendered":"Senetle Kredi Veren Banka Var M\u0131?"},"content":{"rendered":"<div class=\"ndnrv6a2720be4f05a\" style=\"float: left;\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\n<!-- Enjoylife -->\n<ins class=\"adsbygoogle\"\n     style=\"display:inline-block;width:200px;height:200px\"\n     data-ad-client=\"ca-pub-1834787164780493\"\n     data-ad-slot=\"4807103361\"><\/ins>\n<script>\n(adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div><style type=\"text\/css\">\r\n.ndnrv6a2720be4f05a {\r\nmargin: 5px; padding: 0px;\r\n}\r\n@media screen and (min-width: 1201px) {\r\n.ndnrv6a2720be4f05a {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 993px) and (max-width: 1200px) {\r\n.ndnrv6a2720be4f05a {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 769px) and (max-width: 992px) {\r\n.ndnrv6a2720be4f05a {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 768px) and (max-width: 768px) {\r\n.ndnrv6a2720be4f05a {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (max-width: 767px) {\r\n.ndnrv6a2720be4f05a {\r\ndisplay: block;\r\n}\r\n}\r\n<\/style>\r\n<p>Bir zamanlar s\u0131k\u00e7a kullan\u0131lan senetler, g\u00fcn\u00fcm\u00fczde \u00e7ok fazla kullan\u0131lmasa da hala senetle i\u015f yapan kurumlar, ki\u015filer oldu\u011fu gibi bankalar da senetle kredi vermeye devam etmektedir.\u00d6nceki y\u0131llarda \u00f6zellikle ticaret yapanlar\u0131n \u00e7ok fazla kulland\u0131\u011f\u0131 \u00f6deme y\u00f6ntemlerinden biri de senetlerdir. \u00d6deme yap\u0131lacak olan tutar hem yaz\u0131 hem de rakamla senete yaz\u0131l\u0131rd\u0131. Ayr\u0131ca \u00f6deme zaman\u0131 da yaz\u0131ld\u0131ktan sonra senet alacakl\u0131 ki\u015fiye verilir. Alacakl\u0131 ki\u015fi \u00f6deme tarihini bekledikten sonra, o tarihte bankaya gider ve seneti bozdurur.<!--more--><\/p>\n<p>Tabi kimi zamanda bozduramazd\u0131. Bor\u00e7lu ki\u015finin o tarihte hesab\u0131 m\u00fcsait de\u011filse e\u011fer alacakl\u0131 alaca\u011f\u0131n\u0131 tahsil edemezdi. Zamanla bu senet i\u015fi \u00e7\u0131\u011fr\u0131ndan \u00e7\u0131k\u0131nca, senetle \u00f6demenin yerini kredi kartlar\u0131 ald\u0131. Kredi kart\u0131yla bor\u00e7 alacakl\u0131n\u0131n an\u0131nda hesab\u0131na ge\u00e7iyor, bundan sonra bor\u00e7 sadece bor\u00e7lu ile bankan\u0131n aras\u0131nda kal\u0131yor. Borcun zaman\u0131nda \u00f6denmesi de kar\u015f\u0131l\u0131kl\u0131 g\u00fcven ili\u015fkisini do\u011furuyor.<\/p>\n<p>Kredi kartlar\u0131n\u0131n kullan\u0131m\u0131n\u0131n artmas\u0131 ile senetle \u00f6deme \u015fekli de yava\u015f yava\u015f azald\u0131.Senet g\u00fcn\u00fcm\u00fczde pek kullan\u0131lmasa da hala bir \u00e7ok kurum ve ki\u015filer taraf\u0131ndan kullan\u0131lmaktad\u0131r. Hatta senet deyince akla ilk gelen tefecilerdir. Maddi s\u0131k\u0131nt\u0131ya d\u00fc\u015fen ki\u015fi i\u00e7in senet ile tefeciden para almak kolay gelse de \u00f6demesi \u00e7ok zordur. \u00c7\u00fcnk\u00fc tefeciler istenilen paray\u0131 hemen vermeye kar\u015f\u0131l\u0131k bankalara oranla daha y\u00fcksek faiz al\u0131rlar. Ki\u015fi borcunu \u00f6deyemedik\u00e7e faiz \u00fcst\u00fcne faiz talep eder ve art\u0131k tamamen i\u00e7inden \u00e7\u0131k\u0131lmaz bir duruma d\u00fc\u015fer. Burada ama\u00e7 zaten \u00e7ok y\u00fcksek faiz ve k\u0131sa vadede bor\u00e7 vermektir.<\/p>\n<p>Tefeciye ba\u015fvuran ki\u015fi zarar edece\u011fini, zorda kalaca\u011f\u0131n\u0131 bilir ama maalesef hayat \u015fartlar\u0131 ve ya\u015fanan olumsuzluklar nedeniyle pek \u00e7ok insan\u0131n dura\u011f\u0131 tefeciler olur.Tefeciler bu i\u015fi yasal olmayan yollardan yaparken, bir de bu i\u015fi yasal yollardan yapan faktoring \u015firketleri de vard\u0131r. Faktoring \u015firketleri de yine tefeciler gibi y\u00fcksek faiz oran\u0131 sunarlar ve senet kar\u015f\u0131l\u0131\u011f\u0131nda bir kredi verirler.Baz\u0131 bankalar da senetle kredi vermektedir. Bunun i\u00e7in bankan\u0131n arad\u0131\u011f\u0131 \u00f6ncelik o banka ile ticari bir ili\u015fkinizin olup olmad\u0131\u011f\u0131d\u0131r. Yani bankalar \u015fah\u0131s hesab\u0131na de\u011fil, ticari hesaplara senetle kredi vermektedir. Bu durumda aktif bir ticari hesab\u0131n\u0131z varsa bankadan senet kar\u015f\u0131l\u0131\u011f\u0131nda kredi \u00e7ekebilirsiniz. Buradaki en \u00f6nemli husus, seneti ald\u0131\u011f\u0131n\u0131z banka ile \u00e7al\u0131\u015f\u0131yor olman\u0131z gerekmektedir. <em><strong>&#8220;Senetle kredi veren bankalar&#8221;<\/strong><\/em> \u015funlard\u0131r:<\/p>\n<div><\/div>\n<div><span style=\"color: #ff0000;\">\u00a0<\/span><\/div>\n<ul>\n<li><span style=\"color: #ff0000;\">Akbank<\/span><\/li>\n<li><span style=\"color: #ff0000;\">Denizbank<\/span><\/li>\n<li><span style=\"color: #ff0000;\">Garanti Bankas\u0131<\/span><\/li>\n<li><span style=\"color: #ff0000;\">Halkbank<\/span><\/li>\n<li><span style=\"color: #ff0000;\">T\u00fcrkiye \u0130\u015f Bankas\u0131\u00a0<\/span><\/li>\n<li><span style=\"color: #ff0000;\">Vak\u0131fbank<\/span><\/li>\n<li><span style=\"color: #ff0000;\">Yap\u0131 Kredi Bankas\u0131<\/span><\/li>\n<\/ul>\n<div><\/div>\n<div>Banka \u015fubelerine giderek detayl\u0131 bilgi alabilirsiniz.<\/div>\n<div class=\"galqp6a2720be4ef3d\" ><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\n<!-- baglant\u0131 -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-1834787164780493\"\n     data-ad-slot=\"2867061526\"\n     data-ad-format=\"link\"><\/ins>\n<script>\n(adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div><style type=\"text\/css\">\r\n.galqp6a2720be4ef3d {\r\nmargin: 5px; padding: 0px;\r\n}\r\n@media screen and (min-width: 1201px) {\r\n.galqp6a2720be4ef3d {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 993px) and (max-width: 1200px) {\r\n.galqp6a2720be4ef3d {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 769px) and (max-width: 992px) {\r\n.galqp6a2720be4ef3d {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 768px) and (max-width: 768px) {\r\n.galqp6a2720be4ef3d {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (max-width: 767px) {\r\n.galqp6a2720be4ef3d {\r\ndisplay: block;\r\n}\r\n}\r\n<\/style>\r\n","protected":false},"excerpt":{"rendered":"<p>Bir zamanlar s\u0131k\u00e7a kullan\u0131lan senetler, g\u00fcn\u00fcm\u00fczde \u00e7ok fazla kullan\u0131lmasa da hala senetle i\u015f yapan kurumlar, ki\u015filer oldu\u011fu gibi bankalar da senetle kredi vermeye devam etmektedir.\u00d6nceki y\u0131llarda \u00f6zellikle ticaret yapanlar\u0131n \u00e7ok fazla kulland\u0131\u011f\u0131 \u00f6deme y\u00f6ntemlerinden biri de senetlerdir. \u00d6deme yap\u0131lacak olan tutar hem yaz\u0131 hem de rakamla senete yaz\u0131l\u0131rd\u0131. Ayr\u0131ca \u00f6deme zaman\u0131 da yaz\u0131ld\u0131ktan sonra senet&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[13,45,103,107],"_links":{"self":[{"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/posts\/291"}],"collection":[{"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/comments?post=291"}],"version-history":[{"count":1,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/posts\/291\/revisions"}],"predecessor-version":[{"id":455,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/posts\/291\/revisions\/455"}],"wp:attachment":[{"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/media?parent=291"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/categories?post=291"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/tags?post=291"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}