{"id":7702,"date":"2024-07-02T17:29:39","date_gmt":"2024-07-02T14:29:39","guid":{"rendered":"https:\/\/www.enucuzu.com\/blog\/?p=7702"},"modified":"2024-07-02T17:29:39","modified_gmt":"2024-07-02T14:29:39","slug":"kredi-faiz-orani-neye-gore-belirlenir","status":"publish","type":"post","link":"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir","title":{"rendered":"Kredi Faiz Oran\u0131 Neye G\u00f6re Belirlenir?"},"content":{"rendered":"<p>Bir kredili \u00fcr\u00fcn kullanmak istedi\u011finizde sunulan faiz oranlar\u0131n\u0131n bankadan bankaya, m\u00fc\u015fteriden m\u00fc\u015fteriye ve hatta g\u00fcnden g\u00fcne \u00f6nemli \u00f6l\u00e7\u00fcde de\u011fi\u015fiklik g\u00f6sterdi\u011fini fark etmi\u015f olmal\u0131s\u0131n\u0131z. Peki bu farkl\u0131l\u0131klar\u0131n sebebi nedir ve kredi faiz oran\u0131 neye g\u00f6re belirlenir?<\/p>\n<p>Enucuzu.com&#8217;un <a href=\"https:\/\/www.enucuzu.com\/kredi\/ihtiyac-kredisi\">\u0130htiya\u00e7 Kredisi Hesaplama Arac\u0131<\/a> ile farkl\u0131 bankalar\u0131n teklif ettikleri faiz oranlar\u0131na tek t\u0131klama ile eri\u015febilir, bir bak\u0131\u015fta kar\u015f\u0131la\u015ft\u0131rabilir ve en ucuz teklifi saniyeler i\u00e7inde bulabilirsiniz.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0130\u00e7indekiler<\/p>\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: #151516;color:#151516\" 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: #151516;color:#151516\" 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 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir\/#Kredi_Faiz_Orani_Neye_Gore_Belirlenir\" title=\"Kredi Faiz Oran\u0131 Neye G\u00f6re Belirlenir?\">Kredi Faiz Oran\u0131 Neye G\u00f6re Belirlenir?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir\/#Kredi_Skoru\" title=\"Kredi Skoru\">Kredi Skoru<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir\/#Kredi_Tutari\" title=\"Kredi Tutar\u0131\">Kredi Tutar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir\/#Kredi_Vadesi\" title=\"Kredi Vadesi\">Kredi Vadesi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir\/#Mevcut_Borclar\" title=\"Mevcut Bor\u00e7lar\">Mevcut Bor\u00e7lar<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir\/#Piyasa_Kosullari\" title=\"Piyasa Ko\u015fullar\u0131\">Piyasa Ko\u015fullar\u0131<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir\/#En_Dusuk_Kredi_Faiz_Oranlari_Nasil_Bulunur\" title=\"En D\u00fc\u015f\u00fck Kredi Faiz Oranlar\u0131 Nas\u0131l Bulunur?\">En D\u00fc\u015f\u00fck Kredi Faiz Oranlar\u0131 Nas\u0131l Bulunur?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Kredi_Faiz_Orani_Neye_Gore_Belirlenir\"><\/span>Kredi Faiz Oran\u0131 Neye G\u00f6re Belirlenir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Kredi Skoru<\/li>\n<li>Kredi Tutar\u0131<\/li>\n<li>Kredi Vadesi<\/li>\n<li>Mevcut Bor\u00e7lar<\/li>\n<li>Piyasa Ko\u015fullar\u0131<\/li>\n<\/ul>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-7504 aligncenter\" src=\"https:\/\/www.enucuzu.com\/blog\/wp-content\/uploads\/2024\/06\/nakit-avans-ve-ihtiyac-kredisi-arasindaki-fark-2.webp\" alt=\"Nakit Avans ve \u0130htiya\u00e7 Kredisi Aras\u0131ndaki Fark Nedir?\" width=\"1200\" height=\"675\" srcset=\"https:\/\/www.enucuzu.com\/blog\/wp-content\/uploads\/2024\/06\/nakit-avans-ve-ihtiyac-kredisi-arasindaki-fark-2.webp 1200w, https:\/\/www.enucuzu.com\/blog\/wp-content\/uploads\/2024\/06\/nakit-avans-ve-ihtiyac-kredisi-arasindaki-fark-2-768x432.webp 768w, https:\/\/www.enucuzu.com\/blog\/wp-content\/uploads\/2024\/06\/nakit-avans-ve-ihtiyac-kredisi-arasindaki-fark-2-150x84.webp 150w, https:\/\/www.enucuzu.com\/blog\/wp-content\/uploads\/2024\/06\/nakit-avans-ve-ihtiyac-kredisi-arasindaki-fark-2-450x253.webp 450w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Kredi_Skoru\"><\/span>Kredi Skoru<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Kredi Skoru<\/strong>, t\u00fcketicinin ge\u00e7mi\u015f \u00f6deme al\u0131\u015fkanl\u0131klar\u0131 ve mevcut bor\u00e7luluk derecesi gibi birden fazla kritere ba\u011fl\u0131 olarak belirlenen ve t\u00fcketicinin kredibilitesini yans\u0131tan bir skordur.<\/p>\n<p>T\u00fcrkiye&#8217;de kredi skoru \u00f6l\u00e7\u00fcmlerinde Kredi Kay\u0131t B\u00fcrosu (KKB) taraf\u0131ndan geli\u015ftirilen Findeks sistemi kullan\u0131l\u0131r ve skorlar 0 ila 1.900 aras\u0131nda de\u011fi\u015fiklik g\u00f6sterir.<\/p>\n<p>1.500 ve \u00fczerindeki kredi skorlar\u0131 iyi olarak kabul edilir. Bir t\u00fcketici ne kadar y\u00fcksek kredi skoruna sahipse kredi skoru o kadar iyi ve kredibilitesi o kadar y\u00fcksek olur.<\/p>\n<ul>\n<li><strong>0 &#8211; 699 :<\/strong> \u00c7ok Riskli<\/li>\n<li><strong>700 &#8211; 1.099 :<\/strong> Orta Riskli<\/li>\n<li><strong>1.100 &#8211; 1.499 :<\/strong> Az Riskli<\/li>\n<li><strong>1.500 &#8211; 1.699 :<\/strong> \u0130yi<\/li>\n<li><strong>1.700 &#8211; 1.900 :<\/strong> \u00c7ok \u0130yi<\/li>\n<\/ul>\n<p>Ki\u015finin y\u00fcksek kredi skoruna sahip olmas\u0131 ge\u00e7mi\u015f \u00f6deme al\u0131\u015fkanl\u0131klar\u0131n\u0131n d\u00fczenli ve mevcut bor\u00e7luluk d\u00fczeyinin iyi durumda oldu\u011funa i\u015faret etti\u011finden bankalar genellikle daha y\u00fcksek kredi skoruna sahip m\u00fc\u015fterilere daha d\u00fc\u015f\u00fck faiz oranlar\u0131 sunar.<\/p>\n<p>Siz de daha d\u00fc\u015f\u00fck kredi faizi oranlar\u0131 i\u00e7in kredi skorunuzu geli\u015ftirmeye \u00f6ncelik verebilirsiniz. Bunun i\u00e7in \u00f6demelerinizi zaman\u0131nda ve eksiksiz yapman\u0131z, mevcut limitleriniz dahilindeki bor\u00e7luluk d\u00fczeyinizi d\u00fc\u015f\u00fck tutman\u0131z gerecektir.<\/p>\n<p>Ayr\u0131ca \u00e7o\u011fu bankan\u0131n kendi i\u00e7inde ek bir derecelendirme sistemi de bulunmaktad\u0131r ve bunlar\u0131n kriterleri de kredi skoru hesaplamas\u0131na benzer bir \u015fekilde \u00e7al\u0131\u015fmaktad\u0131r.<\/p>\n<p>Yani kredi skorunuzu geli\u015ftirmeye y\u00f6nelik davran\u0131\u015flar\u0131n\u0131z ayn\u0131 zamanda \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131z bankalar\u0131n derecelendirme algoritmalar\u0131na da katk\u0131da bulunacakt\u0131r.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Kredi_Tutari\"><\/span>Kredi Tutar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Faizin bile\u015fenleri \u015fu \u015fekilde s\u0131ralanabilir:<\/p>\n<p><strong>Faiz =<\/strong> Reel Faiz + Beklenen Enflasyon Oran\u0131 + Temerr\u00fct Primi + Vade Primi + Likidite Primi<\/p>\n<p>Temerr\u00fct Primi, bor\u00e7 alan\u0131n ald\u0131\u011f\u0131 borcu zaman\u0131nda ve eksiksiz olarak \u00f6deyebilme kabiliyetine ba\u011fl\u0131 olarak nihai faiz oran\u0131n\u0131n artmas\u0131na ya da azalmas\u0131na neden olur.<\/p>\n<p>Kredi tutar\u0131n\u0131n artmas\u0131 \u00f6deme y\u00fck\u00fcml\u00fcl\u00fcklerinin kar\u015f\u0131lanamama riskini art\u0131rd\u0131\u011f\u0131 i\u00e7in kredi tutar\u0131 artt\u0131\u011f\u0131nda faiz oran\u0131n\u0131n da artmas\u0131 beklenir ancak bu ili\u015fki her ko\u015fulda ge\u00e7erli olmayabilir.<\/p>\n<p>\u00d6rne\u011fin 10.000 TL&#8217;lik bir kredinin geri \u00f6deme y\u00fck\u00fcml\u00fcl\u00fckleri ile 500.000 TL&#8217;lik bir kredinin geri \u00f6deme y\u00fck\u00fcml\u00fcl\u00fckleri birbirinden \u00f6nemli \u00f6l\u00e7\u00fcde farkl\u0131d\u0131r ve tutar artt\u0131k\u00e7a ki\u015finin \u00f6deme y\u00fck\u00fcml\u00fcl\u00fcklerini kar\u015f\u0131layabilme kabiliyeti azal\u0131r.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Kredi_Vadesi\"><\/span>Kredi Vadesi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Vade hem Temerr\u00fct Primi hem de Vade Primi ile ili\u015fkilidir \u00e7\u00fcnk\u00fc kredi vadesi uzad\u0131\u011f\u0131nda bor\u00e7 verenin gelecekteki belirsizliklerin risklerini de \u00fcstlenmesi gerekir.<\/p>\n<p>\u00d6rne\u011fin Ali&#8217;nin bug\u00fcn ortalama maa\u015fl\u0131 tam zamanl\u0131 bir i\u015fe ve birka\u00e7 maa\u015f\u0131 kadar bir birikime sahip oldu\u011funu varsayal\u0131m. Ali&#8217;nin mevcut durumu onun \u00f6n\u00fcm\u00fczdeki birka\u00e7 ay boyunca y\u00fck\u00fcml\u00fcl\u00fcklerini kar\u015f\u0131layabilme kabiliyetine sahip oldu\u011funu g\u00f6sterir ancak Ali&#8217;nin 36 ay sonraki y\u00fck\u00fcml\u00fcl\u00fcklerini kar\u015f\u0131layabilip kar\u015f\u0131layamayaca\u011f\u0131, makro ve mikro \u00f6l\u00e7ekte pek \u00e7ok etkende etkilenen ve belirsizlikler i\u00e7eren bir konudur.<\/p>\n<p>Bu nedenle bankalar, daha uzun vadeli kredilerde faiz oran\u0131n\u0131 daha y\u00fcksek tutarak riski tolere etme e\u011filiminde olurlar ancak baz\u0131 anormal ekonomik ko\u015fullar alt\u0131nda k\u0131sa vadeli faiz oranlar\u0131, uzun vadeli faiz oranlar\u0131ndan daha y\u00fcksek olabilir.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Mevcut_Borclar\"><\/span>Mevcut Bor\u00e7lar<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>T\u00fcketicilerin geri \u00f6deme y\u00fck\u00fcml\u00fcl\u00fcklerini kar\u015f\u0131layabilme kabiliyetleri sahip olduklar\u0131 toplam bor\u00e7 miktar\u0131 ile do\u011frudan ili\u015fkilidir.<\/p>\n<p>Bu nedenle sahip olunan kredili \u00fcr\u00fcn bor\u00e7lar\u0131n\u0131n miktar\u0131 artt\u0131k\u00e7a bir sonraki kredili \u00fcr\u00fcn ba\u015fvurusunda sunulan faiz oran\u0131 da artabilir.<\/p>\n<p>\u00d6rne\u011fin Ali&#8217;nin halihaz\u0131rda 100.000 TL ve Ay\u015fe&#8217;nin halihaz\u0131rda 5.000 TL kredi borcuna sahip oldu\u011funu ve her ikisinin de 100.000 TL t\u00fcketici kredisi kullanmak istediklerini varsayal\u0131m. Mevcut bor\u00e7 miktar\u0131 haricinde geri kalan t\u00fcm parametreler her ikisi i\u00e7in de ayn\u0131 olsun.<\/p>\n<p>Bu durumda Ay\u015fe&#8217;nin bor\u00e7lar\u0131n\u0131 geri \u00f6deyebilme kabiliyeti, halihaz\u0131rda daha az borca sahip olmas\u0131 bak\u0131m\u0131ndan daha iyi durumda olacakt\u0131r ve bu da onun Temerr\u00fct Primi&#8217;ni d\u00fc\u015f\u00fcrecektir.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Piyasa_Kosullari\"><\/span>Piyasa Ko\u015fullar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Bankalar\u0131n kredi faiz oranlar\u0131n\u0131 belirlerken kulland\u0131klar\u0131 t\u00fcketici tabanl\u0131 fakt\u00f6rlerin yan\u0131 s\u0131ra piyasan\u0131n kendisinden kaynaklanan ve faiz oranlar\u0131na do\u011frudan etki eden piyasa tabanl\u0131 fakt\u00f6rler de bulunmaktad\u0131r ve bu fakt\u00f6rler zaman zaman t\u00fcketici tabanl\u0131 fakt\u00f6rlerden daha etkili olabilir.<\/p>\n<p>Bu fakt\u00f6rlere politika faizi, mevcut enflasyon oran\u0131, beklenen enflasyon oran\u0131, uygulanan para politikalar\u0131, bankalar\u0131n risk i\u015ftah\u0131 ve di\u011fer fakt\u00f6rler \u00f6rnek olarak g\u00f6sterilebilir.<\/p>\n<p>\u00d6rne\u011fin TCMB, politika faizini art\u0131rd\u0131\u011f\u0131nda bankalar\u0131n bor\u00e7lanma ve bor\u00e7 verme maliyetleri artaca\u011f\u0131 i\u00e7in kredi faiz oranlar\u0131 da artacakt\u0131r<\/p>\n<p>Ayr\u0131ca mevcut enflasyon oran\u0131 ya da beklenen enflasyon oran\u0131 artt\u0131k\u00e7a Beklenen Enflasyon Oran\u0131 bile\u015feni gere\u011fince kredi faiz oranlar\u0131n\u0131n da artmas\u0131 beklenir.<\/p>\n<p>Benzer \u015fekilde makro \u00f6l\u00e7ekte uygulanan para politikalar\u0131n\u0131n durumu ve bankalar\u0131n risk i\u015ftah\u0131 da kredi faiz oranlar\u0131 \u00fczerinde do\u011frudan etkili olacakt\u0131r.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"En_Dusuk_Kredi_Faiz_Oranlari_Nasil_Bulunur\"><\/span>En D\u00fc\u015f\u00fck Kredi Faiz Oranlar\u0131 Nas\u0131l Bulunur?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0130htiya\u00e7 Kredisi, Konut Kredisi ya da Ta\u015f\u0131t Kredisi kullanmak istedi\u011finizde kredi faiz oranlar\u0131 yukar\u0131da ele ald\u0131\u011f\u0131m\u0131z fakt\u00f6rlere ba\u011fl\u0131 olarak \u015fekillenir ancak ayn\u0131 ko\u015fullar i\u00e7in farkl\u0131 bankalar, size farkl\u0131 faiz oranlar\u0131 teklif edebilir.<\/p>\n<p>Bu durumda farkl\u0131 bankalar\u0131 teker teker kar\u015f\u0131la\u015ft\u0131rman\u0131z gerekecektir ancak temel faiz oranlar\u0131 hakk\u0131nda bilgi sahibi olmak i\u00e7in onlarca farkl\u0131 bankan\u0131n internet sitesini tek tek ziyaret etmek yerine Enucuzu.com&#8217;un Kredi Hesaplama Arac\u0131&#8217;n\u0131 kullanabilirsiniz.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.enucuzu.com\/kredi\/ihtiyac-kredisi\">\u0130htiya\u00e7 Kredisi Hesaplama Arac\u0131<\/a><\/li>\n<li><a href=\"https:\/\/www.enucuzu.com\/kredi\/konut-kredisi\">Konut Kredisi Hesaplama Arac\u0131<\/a><\/li>\n<li><a href=\"https:\/\/www.enucuzu.com\/kredi\/tasit-kredisi\">Ta\u015f\u0131t Kredisi Hesaplama Arac\u0131<\/a><\/li>\n<\/ul>\n<p>Enucuzu.com&#8217;u ziyaret ettikten sonra yapman\u0131z gereken tek \u015fey kredi tutar\u0131n\u0131 ve kredi vadesini se\u00e7ip <strong>Hesapla<\/strong> butonuna basmak olacakt\u0131r. Ayr\u0131ca <a href=\"https:\/\/www.enucuzu.com\/blog\/nakit-avans-ve-ihtiyac-kredisi-fark\">Nakit Avans ve \u0130htiya\u00e7 Kredisi Aras\u0131ndaki Fark Nedir?<\/a> isimli rehberimize g\u00f6z atmay\u0131 da unutmay\u0131n!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bir kredili \u00fcr\u00fcn kullanmak istedi\u011finizde sunulan faiz oranlar\u0131n\u0131n bankadan bankaya, m\u00fc\u015fteriden m\u00fc\u015fteriye ve hatta g\u00fcnden g\u00fcne \u00f6nemli \u00f6l\u00e7\u00fcde de\u011fi\u015fiklik g\u00f6sterdi\u011fini fark etmi\u015f olmal\u0131s\u0131n\u0131z. Peki bu farkl\u0131l\u0131klar\u0131n sebebi nedir ve kredi faiz oran\u0131 neye g\u00f6re belirlenir? Enucuzu.com&#8217;un \u0130htiya\u00e7 Kredisi Hesaplama Arac\u0131 ile farkl\u0131 bankalar\u0131n teklif ettikleri faiz oranlar\u0131na tek t\u0131klama ile eri\u015febilir, bir bak\u0131\u015fta kar\u015f\u0131la\u015ft\u0131rabilir ve<\/p>\n","protected":false},"author":1,"featured_media":7728,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[561,560,522,557,555,562,559,558,556],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kredi Faiz Oran\u0131 Neye G\u00f6re Belirlenir? - Enucuzu Blog<\/title>\n<meta name=\"description\" content=\"Kredi faiz oran\u0131 neye g\u00f6re belirlenir? \u0130\u015fte ihtiya\u00e7, konut ve ta\u015f\u0131t kredisi kullan\u0131rken faiz oran\u0131n\u0131 belirleyen fakt\u00f6rler listesi!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredi Faiz Oran\u0131 Neye G\u00f6re Belirlenir? - Enucuzu Blog\" \/>\n<meta property=\"og:description\" content=\"Kredi faiz oran\u0131 neye g\u00f6re belirlenir? \u0130\u015fte ihtiya\u00e7, konut ve ta\u015f\u0131t kredisi kullan\u0131rken faiz oran\u0131n\u0131 belirleyen fakt\u00f6rler listesi!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir\" \/>\n<meta property=\"og:site_name\" content=\"Enucuzu Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/eenucuzucom\" \/>\n<meta property=\"article:published_time\" content=\"2024-07-02T14:29:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.enucuzu.com\/blog\/wp-content\/uploads\/2024\/07\/kredi-faiz-oranlari-neye-gore-belirlenir.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Enucuzu.com\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@ComEnucuzu\" \/>\n<meta name=\"twitter:site\" content=\"@ComEnucuzu\" \/>\n<meta name=\"twitter:label1\" content=\"Yazan:\" \/>\n\t<meta name=\"twitter:data1\" content=\"Enucuzu.com\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tahmini okuma s\u00fcresi\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 dakika\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir\"},\"author\":{\"name\":\"Enucuzu.com\",\"@id\":\"https:\/\/www.enucuzu.com\/blog\/#\/schema\/person\/c8da9ab007d48619220989a1b3fc4c5d\"},\"headline\":\"Kredi Faiz Oran\u0131 Neye G\u00f6re Belirlenir?\",\"datePublished\":\"2024-07-02T14:29:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir\"},\"wordCount\":1091,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.enucuzu.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.enucuzu.com\/blog\/wp-content\/uploads\/2024\/07\/kredi-faiz-oranlari-neye-gore-belirlenir.webp\",\"keywords\":[\"Faiz\",\"Faiz Oran\u0131\",\"\u0130htiya\u00e7 Kredisi\",\"Konut Kredisi\",\"Kredi\",\"Kredi Faiz Oran\u0131\",\"Otomobil Kredisi\",\"Ta\u015f\u0131t Kredisi\",\"T\u00fcketici Kredisi\"],\"articleSection\":[\"Finans\"],\"inLanguage\":\"tr\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir\",\"url\":\"https:\/\/www.enucuzu.com\/blog\/kredi-faiz-orani-neye-gore-belirlenir\",\"name\":\"Kredi Faiz Oran\u0131 Neye G\u00f6re Belirlenir? 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