Taksitli kredi en yaygın kredi türüdür. Geri ödemeler taksitler halinde aylık olarak bankaya geri ödenir. Tutarlar, örneğin borçlunun hesabından otomatik olarak çekilir.
Adından da anlaşılacağı gibi, taksitli kredi, borçlu tarafından taksitler halinde geri ödenen bir kredidir. Taksitler, anlaşma ve sözleşmeye bağlı olarak eşit aralıklarla geri ödenir. Kalan borcun geri ödemesi genellikle aylıktır.
Taksitli kredi nasıl çalışır?
Kredi, kredi veren tarafından kullandırıldıktan sonra, önceden netleştirilen geri ödeme süresi içinde geri ödeme başlar. Borçlu artık belirlenen tutarı, kiraya benzer şekilde, aylık olarak öder. Buna faiz de eklenmektedir. Taksitlerin geri ödenmesi kalan borcu sürekli olarak azaltır.
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