{"id":303,"date":"2017-12-12T23:01:27","date_gmt":"2017-12-12T20:01:27","guid":{"rendered":"http:\/\/www.acilpara.gen.tr\/?p=303"},"modified":"2017-12-12T23:30:43","modified_gmt":"2017-12-12T20:30:43","slug":"katilim-bankalari-senetle-kredi-veriyor-mu","status":"publish","type":"post","link":"http:\/\/www.is-ilanlari.org\/acilpara\/katilim-bankalari-senetle-kredi-veriyor-mu\/","title":{"rendered":"Kat\u0131l\u0131m Bankalar\u0131 Senetle Kredi Veriyor MU?"},"content":{"rendered":"<div class=\"ejwdl6a2720c3424dd\" 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.ejwdl6a2720c3424dd {\r\nmargin: 5px; padding: 0px;\r\n}\r\n@media screen and (min-width: 1201px) {\r\n.ejwdl6a2720c3424dd {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 993px) and (max-width: 1200px) {\r\n.ejwdl6a2720c3424dd {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 769px) and (max-width: 992px) {\r\n.ejwdl6a2720c3424dd {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 768px) and (max-width: 768px) {\r\n.ejwdl6a2720c3424dd {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (max-width: 767px) {\r\n.ejwdl6a2720c3424dd {\r\ndisplay: block;\r\n}\r\n}\r\n<\/style>\r\n<p>Yeni d\u00f6nemde kredi kartlar\u0131n\u0131n \u00e7\u0131kmas\u0131yla senet devrinden uzakla\u015f\u0131lm\u0131\u015ft\u0131r. Peki merak edilen soru &#8216; <strong>Kat\u0131l\u0131m bankalar\u0131 senetle kredi veriyor mu ?<\/strong> &#8216; hen\u00fcz daha bu uygulamaya ge\u00e7mi\u015f de\u011filler. Neden hen\u00fcz bu \u015fekilde kredi vermedikleri de di\u011fer bir merak konusudur. Fakat her bankan\u0131n \u00e7al\u0131\u015fma \u015fekli fakl\u0131 oldu\u011fundan bu \u015fekilde bir yol izlemi\u015flerdir. \u0130leri ki g\u00fcnlerde ge\u00e7ecekleri ku\u015fkusuzdur.<!--more--><\/p>\n<h3><strong><span style=\"text-decoration: underline;\">Senetle Kredi Veren Banka Var M\u0131?<\/span><\/strong><\/h3>\n<p>Kredi kart\u0131n\u0131n bu kadar yo\u011fun kullan\u0131lmad\u0131\u011f\u0131 d\u00f6nemlerde \u00f6demeler genelde senet ile yap\u0131l\u0131rd\u0131. Buna ba\u011fl\u0131 olarak ki\u015filer senetlerini bankaya teslim eder. Dilerse ilerideki d\u00f6nemde s\u0131k\u0131\u015ft\u0131\u011f\u0131nda bankadan <strong>senet kar\u015f\u0131l\u0131\u011f\u0131 kredi <\/strong>kullan\u0131r. M\u00fcnhas\u0131r buna kar\u015f\u0131l\u0131k olarak ta senetlerinden tahsil i\u015flemi yap\u0131lmaktad\u0131r. Bu i\u015flemi genelde tahsilini senetle yapan \u015firketler, esnaflar yapmaktad\u0131r. Ancak art\u0131k senetlerin zaman\u0131nda \u00f6denmemesi sebebiyle bir \u00e7ok banka art\u0131k senet bile kabul ederken teredd\u00fct etmekte , kredi kulland\u0131r\u0131rken ise bir \u00e7ok ara\u015ft\u0131rma yapmaktad\u0131r.<\/p>\n<h3><strong>\u00a0Senet Kar\u015f\u0131l\u0131\u011f\u0131 Kredi Veren Bankalar Hangileri<\/strong><\/h3>\n<p>Yapt\u0131\u011f\u0131m\u0131z ara\u015ft\u0131rma sonucu<strong> senet kar\u015f\u0131l\u0131\u011f\u0131 kredi veren bankalar<\/strong> ba\u015f\u0131nda Ziraat Bankas\u0131, Denizbank, Halkbank, Vak\u0131fbank ,Garanti ve \u0130\u015f Bankas\u0131 yer al\u0131yor. Kat\u0131l\u0131m bankalar\u0131n\u0131n hen\u00fcz bu i\u015flemi yapmamaktad\u0131r. Bankalar\u0131n size senetle kredi verebilmesi i\u00e7in \u00f6ncelikle bankada ticari hesaplar\u0131n\u0131z yer almas\u0131 gerekiyor. Bireysel ki\u015filere ise senetle kredi verilmez. Ticariler yeri geldi\u011fince indirimli faiz uygulamalar\u0131 ile bu i\u015flemi yapabilirsiniz. Ayr\u0131ca bir bankadan senet defteriniz bulundu\u011funda ba\u015fka bankaya gidip senet ile kredi \u00e7ekemezsiniz. Senet defteri hangi bankada ise o bankadan<strong> senet ile kredi<\/strong> veriliyorsa\u00a0 oradan kredi \u00e7ekilmektedir.<\/p>\n<p>Ayr\u0131ca ki\u015filerin ihtiya\u00e7lar\u0131 gittik\u00e7e artm\u0131\u015ft\u0131r. Ki\u015filerin ellerinde bulunan senet var ve nakite \u00e7eviremiyor. Bankalar ise bireysel m\u00fc\u015fterilere senet ile kredi vermemektedir. \u00c7ok nakite s\u0131k\u0131\u015ft\u0131\u011f\u0131n\u0131zda senet ile size kredi verecek kurumlar \u00fclkemizde yer almaktad\u0131r. Onlara senedinizi verdi\u011finizde belli bir komisyon kar\u015f\u0131l\u0131\u011f\u0131 an\u0131nda nakit ihtiyac\u0131n\u0131z kar\u015f\u0131lars\u0131n\u0131z. \u015eimdilik bu kurumlar\u00a0 \u0130stanbul&#8217;da bulunmaktad\u0131r. G\u00fcn ge\u00e7tik\u00e7e artan senet kar\u015f\u0131l\u0131\u011f\u0131 kredi veren kurumlar y\u00fcksek komisyon ve y\u00fcksek faizle kredi vermektedir.<\/p>\n<p>K\u0131saca \u00f6zetlersek kat\u0131l\u0131m bankalar\u0131 \u015fimdilik senet ile kredi vermemektedir. Bunun nedeni ise art\u0131k ki\u015filerin \u00f6demelerini genelde senet ile de\u011fil kredi kart\u0131 ile \u00f6demelerini yapmalar\u0131d\u0131r. Senet kar\u015f\u0131l\u0131\u011f\u0131nda kredi \u00e7ekti\u011finde siz kredinizi ald\u0131\u011f\u0131n\u0131zda senetten d\u00fc\u015f\u00fclecektir. Ancak bankalar\u0131n \u00e7o\u011fu bu riske girmemektedir. Senet kar\u015f\u0131l\u0131\u011f\u0131 kredi veren kurumlar bulunmakta ancak bunlar\u0131 iyice ara\u015ft\u0131rmadan ve s\u00f6zle\u015fme maddelerini de iyice okumadan onlardan kredi \u00e7ekmemekte fayda var.<\/p>\n<div class=\"nrmoe6a2720c3423f4\" ><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.nrmoe6a2720c3423f4 {\r\nmargin: 5px; padding: 0px;\r\n}\r\n@media screen and (min-width: 1201px) {\r\n.nrmoe6a2720c3423f4 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 993px) and (max-width: 1200px) {\r\n.nrmoe6a2720c3423f4 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 769px) and (max-width: 992px) {\r\n.nrmoe6a2720c3423f4 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 768px) and (max-width: 768px) {\r\n.nrmoe6a2720c3423f4 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (max-width: 767px) {\r\n.nrmoe6a2720c3423f4 {\r\ndisplay: block;\r\n}\r\n}\r\n<\/style>\r\n","protected":false},"excerpt":{"rendered":"<p>Yeni d\u00f6nemde kredi kartlar\u0131n\u0131n \u00e7\u0131kmas\u0131yla senet devrinden uzakla\u015f\u0131lm\u0131\u015ft\u0131r. Peki merak edilen soru &#8216; Kat\u0131l\u0131m bankalar\u0131 senetle kredi veriyor mu ? &#8216; hen\u00fcz daha bu uygulamaya ge\u00e7mi\u015f de\u011filler. Neden hen\u00fcz bu \u015fekilde kredi vermedikleri de di\u011fer bir merak konusudur. Fakat her bankan\u0131n \u00e7al\u0131\u015fma \u015fekli fakl\u0131 oldu\u011fundan bu \u015fekilde bir yol izlemi\u015flerdir. \u0130leri ki g\u00fcnlerde ge\u00e7ecekleri ku\u015fkusuzdur.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[79,103,107,108],"_links":{"self":[{"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/posts\/303"}],"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=303"}],"version-history":[{"count":1,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/posts\/303\/revisions"}],"predecessor-version":[{"id":499,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/posts\/303\/revisions\/499"}],"wp:attachment":[{"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/media?parent=303"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/categories?post=303"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.is-ilanlari.org\/acilpara\/wp-json\/wp\/v2\/tags?post=303"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}