What is a Loan?

 Good news for credit card borrowers: Ziraat Bank credit card debtors; It will offer a ya needs loan ya combining 1.1 percent monthly interest rates for up to 24 months and 1.2 percent interest rates for up to 60 months. So how to benefit from the loans used to combine, what are the conditions and how to apply for this loan? 

Money Status

As the number of credit card borrowers increased, payment difficulties began. In other words , the number of those who could not close the credit card debt increased, which would be implemented by Ziraat Bank to solve this problem . Using credit card as a shopping tool is advantageous but if you are constantly debiting with credit card and you do not pay the debit on credit card statement, this debt is accumulated after a point and the useful credit card becomes a problem for you.

What is a Loan Loan?

The Loan Loan is a credit to be offered to credit card borrowers by Ziraat Bank. Ziraat Bank offers the opportunity to merge credit card debts of its individual credit card customers and other banks under the appropriate payment plan in accordance with their income.

Is it possible to withdraw more money in the combining needs loan?

No. Only credit card debts are paid to be paid. Even better is not paid in cash, the debts of the credit card are combined to pay the debts and a payment plan is made to pay you with low interest.

Interest Rates in Combined Loans

1.10 percent per month up to 24 months 

1.20 percent monthly interest up to 60 months

For example, let's say you owe 10,000:

24 months per month with an interest rate of 1.10 per month about 489 pounds in total you pay 11,732 pounds.

With monthly interest rate of 1.20 per month, you pay about 250 liras a month and pay 15.002 TL in total.

How to apply to the general purpose loan?

You can apply for credit by taking credit card statements to the bank for your credit card debts and debts due until 31 December 2018. 

Let's not forget; With the Loan Loan you are aiming to pay off your credit card and close your credit card. So you do not use that card after the debt payment.