{"id":4128,"date":"2012-07-30T08:54:53","date_gmt":"2012-07-30T05:54:53","guid":{"rendered":"http:\/\/www.erzurumflas.com\/?p=4128"},"modified":"2012-07-30T08:54:53","modified_gmt":"2012-07-30T05:54:53","slug":"kredi-kullananlar-dikkat","status":"publish","type":"post","link":"https:\/\/www.erzhaber.com.tr\/?p=4128","title":{"rendered":"Kredi kullananlar dikkat!"},"content":{"rendered":"<p>Hayat sigortas\u0131 paran\u0131z bankada kalmas\u0131n. Pek \u00e7ok t\u00fcketici, bilmedi\u011fi ve banka da uyarmad\u0131\u011f\u0131 i\u00e7in paras\u0131n\u0131 alm\u0131yor..<\/p>\n<p>&nbsp;<\/p>\n<p>Kredi al\u0131rken banka taraf\u0131ndan zorunlu tutularak yapt\u0131rd\u0131\u011f\u0131n\u0131z hayat sigortas\u0131 paras\u0131n\u0131, kredi \u00f6demeleriniz bitti\u011finde geri alabilirsiniz. Baz\u0131 bankalar bu konuda t\u00fcketicileri bilgilendirmiyor; t\u00fcketiciler de bilmedikleri i\u00e7in bu paralar bankalara k\u00e2r kal\u0131yor.<\/p>\n<p>&nbsp;<br \/>\n<strong>ERKEN KAPATAN DA ALIYOR\u00a0<\/strong><\/p>\n<p>\u015e\u00f6yle ki; hayat sigortalar\u0131, y\u0131ll\u0131k olarak yap\u0131labiliyor; y\u0131l art\u0131 ay k\u00fcsuratl\u0131 olarak yap\u0131lam\u0131yor. Bu durumda siz 6, 18, 30 ay \u00f6demeli kredi \u00e7ekseniz de, sigortan\u0131z 12, 24, 36 ayl\u0131k oluyor. \u00d6rne\u011fin; 25 ay \u00f6demeli kredi \u00e7ektiniz. Kredi s\u00fcresi kadar de\u011fil, 36 ayl\u0131k sigorta yapt\u0131rabiliyorsunuz. Bu durumda krediniz bittikten sonra kalan 11 ayl\u0131k hayat sigortas\u0131n\u0131 bo\u015funa yapt\u0131rm\u0131\u015f oluyorsunuz. Ama 11 ayl\u0131k hayat sigortas\u0131n\u0131n paras\u0131n\u0131 bankadan geri alma hakk\u0131n\u0131z var. T\u00fcketiciler Birli\u011fi Kurucu Ba\u015fkan\u0131 B\u00fclent Deniz, t\u00fcketicilerin kredi bitiminden sonraki hayat sigortas\u0131 primlerini geri alabilece\u011fini hat\u0131rlatt\u0131. &#8220;Vatanda\u015f uyan\u0131k olmal\u0131&#8221; diyen Deniz, &#8220;T\u00fcketici, hayat sigortas\u0131 yapt\u0131r\u0131rken, kredi \u00f6deme s\u00fcresine g\u00f6re de\u011fil, y\u0131l hesab\u0131na g\u00f6re sigortalanmakta. 18 ay geri \u00f6demeli kredi kullanan, 24 ay i\u00e7in sigortalan\u0131r. 18 ay\u0131n bitiminde 6 ayl\u0131k primini iade almal\u0131&#8221; \u015feklinde konu\u015ftu. B\u00fclent Deniz, kredi borcunu erken kapatanlar\u0131n da, hem faiz indirimden yararlanabildi\u011fini hem de geri kalan g\u00fcnlerdeki hayat sigortas\u0131 primlerini geri alabildi\u011fini s\u00f6zlerine ekledi. (Takvim)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hayat sigortas\u0131 paran\u0131z bankada kalmas\u0131n. Pek \u00e7ok t\u00fcketici, bilmedi\u011fi ve banka da uyarmad\u0131\u011f\u0131 i\u00e7in paras\u0131n\u0131 alm\u0131yor.. &nbsp; Kredi al\u0131rken banka taraf\u0131ndan zorunlu tutularak yapt\u0131rd\u0131\u011f\u0131n\u0131z hayat sigortas\u0131 paras\u0131n\u0131, kredi \u00f6demeleriniz bitti\u011finde geri alabilirsiniz. Baz\u0131 bankalar bu konuda t\u00fcketicileri bilgilendirmiyor; t\u00fcketiciler de bilmedikleri i\u00e7in bu paralar bankalara k\u00e2r kal\u0131yor. &nbsp; ERKEN KAPATAN DA ALIYOR\u00a0 \u015e\u00f6yle ki; hayat [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-4128","post","type-post","status-publish","format-standard","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/4128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4128"}],"version-history":[{"count":0,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/4128\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}