Think Well Before You Attract Credit From Banks

 Credit costs are flying. Including annual charges is around 50 percent. Already banks do not want to give too. I sat down and searched individual banks. 

Money Status

If the loan has become a 'need' for you, here is what you need to do:

I made 50 thousand TL from the banks as an individual loan.

1 - There are only public interest declared on the Internet. But the main consideration is the INCLUDING EXPENSES.

2 - It's hard to find on the banks site. So I sat down and called one by one (it took me half a day.)

3 - It is very difficult to find someone to talk to in the call centers of banks.

4 - I do not want to give information without getting a TR ID number when I connect. Because I come, my past, my credit note, everything is calculated.

5 - I requested some detailed information about the loan conditions and costs.

AS A RESULT

■ The loan rates of banks are VERY DIFFERENT.

■ Essentially, this can change from day to day.

■ Who you are becomes the decisive factor. (For example, salary customers have priority. If your credit rating is high, you are in good condition.)

■ My point is that you want to REMEMBER, when you are getting a good credit, BUY, COMPARISON and COUNTER incl.

■ If the banks are so challenging, think of TWO KERE: If you get a loan, can you pay it back without any problems?

ATTENTION!

Making a loan application (such as a lottery) from a mobile phone application does not increase the possibility of a loan. Conversely, you can lower your credit rating! It creates an image that gives no financial confidence to banks. Find the credit for you, make a point.

CREDIT NOTE

Every credit card, credit or voucher has a credit rating. Many factors influence the pattern of past payments, such as current risk, income, marital status. Banks look at this note when making a credit decision. If the grade is higher, it is possible to use credit with more favorable interest rates. (You can find your credit rating from findeks.com.)

THINK BEFORE YOU APPLY CREDIT

■ BORÇLU NOT EVERYONE MIND: Some of the friend can not sleep 200 pounds when you can not even think of a million-dollar debt.

■ DEBT / INCOME RATE: The amount of debt you will pay monthly, one-quarter income does not exceed. If you have a monthly income of 2 thousand pounds, the monthly debt should not exceed 500 pounds. This figure can be up to 40 percent when using a home loan.

■ İŞ GUVENCEN: In the past period, the world is certain. Your job security can disappear. Be sure to have plan B.

■ INSURANCE: Life insurance is not compulsory when borrowing. But insurance is the only thing that cannot be received immediately. It's a way to secure you and your loved ones against situations like job loss and death.

they DISCLAIMS

QUESTION: Banks don't give me credit. Why is that? ● İsmet

ANSWER: ■ If the income according to the loan amount you want is insufficient, ■ SGK does not cover the last 6 months of the record, ■ If the credit rating is low, ■ If there are irregular payments of previous periods, ■ If you have legal follow-up in the last 5 years, you may not get loans from banks.

IT IS OK

QUESTION: How do I raise my credit rating? ● Murat

ANSWER: Make all payments regularly and on time. Pay the entire credit card debt, not the minimum. Give me an automatic payment order. Frequent reference to new products.

ADDITIONAL ACCOUNT

QUESTION: I have cash from my additional account and I am withdrawing cash because I have payments. What will I do? ● Alper

ANSWER: Target yourself. Calculate how many months to close the additional account. Switch to 'Cactus Mode' for a while. In this period, focus only on the basic needs, shorten the time to get out of debt.