Geri ödemeli kredi (tanım, anlam) – Geri ödemeli kredi, sabit bir vadede belirli bir geri ödeme limitinin kararlaştırıldığı krediler için kullanılan genel bir terimdir. Gayrimenkul sektöründe, genellikle bir anüite kredisidir ve sonuçta ortaya çıkan geri ödeme taksitleri bir faiz ve bir geri ödeme kısmından oluşur. Amortisman kredisinin avantajı, borçlunun her ay sabit bir miktar ödemesi ve böylece kalan borcunu azaltmasıdır. Ancak dezavantajı, kalan borcun başlangıçta nispeten yüksek kalması ve yalnızca vadenin son yıllarında istikrarlı bir şekilde azalmasıdır.
Bir bakıÅta geri ödemeli krediler: Bir mülkün amortisman kredisi ile finanse edilmesi
Sabit bir vadede geri ödeme hattı anlaÅması
Geri ödeme taksitleri faiz ve itfa paylarından oluÅur
Avantajı: Borçlu aylık sabit bir miktar öder, bu da kalan borcu azaltır
Dezavantaj: Kalan borç baÅlangıçta nispeten yüksektir ve sadece vadenin son yıllarında azalır
Geri ödeme oranı %1 olan geri ödemeli krediler genellikle 25-30 yıldan kısa bir süre sonra ödenir
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