Kredi ((tanım, anlam) – Kredi, borçlar hukuku kapsamında, borç verenin borç alana para veya bir nesneyi geçici olarak kullandırdıÄı ve borç alanın da kullandırılan deÄeri artı kredi için kararlaÅtırılan faizi geri ödediÄi bir sözleÅmedir. Bir kredi ile karÅılaÅtırıldıÄında, bir borç genellikle daha büyük bir hacim içerir ve daha uzun bir süre boyunca ödünç verilir. Gayrimenkul alımları çoÄunlukla kredilerle finanse edilmektedir. Krediniz için beklenen koÅulları internet üzerinden bir kredi hesaplayıcısı ile kolayca hesaplayabilirsiniz. Gayrimenkul kredileri ticari bankalar tarafından sunulmaktadır. Ticari bankalar genellikle bir krediyi kabul etmeden önce belirli bir miktarda öz sermaye talep ederler. Ayrıca kiÅisel krediler de vardır. Burada özel kiÅiler diÄer kiÅilere borç para verir. Cazibesi düÅük faiz oranları ve kredi kontrolü olmamasıdır. Ä°ngilizce’de “loan” terimi kullanılmaktadır.
Bir bakışta krediler
Daha büyük miktarda borç para
Gayrimenkul alımları genellikle kredilerle finanse edilir
Faiz ödemeleri kredi geri ödendiÄinde yapılmalıdır
Ticari bankalar genellikle ön koÅul olarak öz sermaye talep ederler
Bireysel krediler: DüÅük faiz oranları ve kredi kontrolü yok
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