{"id":106493,"date":"2024-12-11T10:51:30","date_gmt":"2024-12-11T10:51:30","guid":{"rendered":"https:\/\/gfssite.local\/banka-kredileri-ve-alternatif-krediler\/"},"modified":"2024-12-11T10:51:30","modified_gmt":"2024-12-11T10:51:30","slug":"banka-kredileri-ve-alternatif-krediler","status":"publish","type":"post","link":"https:\/\/globalfinanceschool.com\/tr\/banka-kredileri-ve-alternatif-krediler\/","title":{"rendered":"Banka Kredileri ve Alternatif Krediler"},"content":{"rendered":"

Banka Kredileri ve Alternatif Krediler<\/span><\/h2>\n

\u2018B\u00fcy\u00fck Durgunluk\u2019un ba\u015flang\u0131c\u0131ndan bu yana, bankalar bor\u00e7 verme politikalar\u0131n\u0131 s\u0131k\u0131la\u015ft\u0131rd\u0131 ve bireylerin ve k\u00fc\u00e7\u00fck i\u015fletmelerin kredileri i\u00e7in uygun ko\u015fullar elde etmelerini zorla\u015ft\u0131rd\u0131.\u00a0 Bu, \u00e7o\u011funlukla kendi a\u00e7\u0131lar\u0131ndan koruyucu bir \u00f6nlemdir ve son on y\u0131ldaki mali karga\u015fan\u0131n \u00e7o\u011funun b\u00fcy\u00fck bankac\u0131l\u0131k kurumlar\u0131ndaki gev\u015fek finansman politikalar\u0131ndan kaynakland\u0131\u011f\u0131 ger\u00e7e\u011fi g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda \u015fa\u015f\u0131rt\u0131c\u0131 de\u011fildir.\u00a0 Ancak kredi almak art\u0131k daha zor oldu\u011fundan, bor\u00e7lular\u0131n alternatif se\u00e7enekleri ke\u015ffetmesi \u00f6nemlidir.\u00a0 Neyse ki, son birka\u00e7 y\u0131lda yeni alternatif kredi t\u00fcrleri ortaya \u00e7\u0131kt\u0131.\u00a0 Burada, en s\u0131k kullan\u0131lan se\u00e7eneklerden baz\u0131lar\u0131na bakaca\u011f\u0131z.<\/span><\/p>\n\n

Kredi Kartlar\u0131<\/span><\/h2>\n

Bir\u00e7ok ki\u015fi ve k\u00fc\u00e7\u00fck i\u015fletme i\u00e7in ilk se\u00e7enek kredi kart\u0131d\u0131r.\u00a0 Buradaki avantaj, kredi kartlar\u0131 i\u00e7in onaylanman\u0131n daha kolay olmas\u0131 ve h\u0131zl\u0131 nakit alman\u0131n kolay bir yolunu sunmas\u0131d\u0131r.\u00a0 Kredi kartlar\u0131 i\u00e7in faiz oranlar\u0131 geleneksel banka kredisinde g\u00f6r\u00fclenden \u00e7ok daha y\u00fcksek olma e\u011filiminde oldu\u011fundan, bor\u00e7lular krediyi 30 g\u00fcn i\u00e7inde geri \u00f6deyemedi\u011finde sorunlar ortaya \u00e7\u0131kar.\u00a0 Bu nedenlerden dolay\u0131, kredi kartlar\u0131 yaln\u0131zca d\u00f6ner d\u00f6neminiz i\u00e7inde geri \u00f6denebilece\u011finden emin oldu\u011funuz k\u0131sa vadeli finansman i\u00e7in bir y\u00f6ntem olarak kullan\u0131lmal\u0131d\u0131r.\u00a0 Bu anla\u015f\u0131lmazsa, faiz faturalar\u0131 \u00e7ok h\u0131zl\u0131 bir \u015fekilde olu\u015fmaya ba\u015flayabilir.<\/span><\/p>\n\n

E\u015fler Aras\u0131 Bor\u00e7 Verme<\/span><\/h2>\n

LendingClub.com ve Prosper.com<\/span> gibi E\u015fler Aras\u0131 kredi siteleri,<\/span> potansiyel bor\u00e7 verenleri k\u00fc\u00e7\u00fck i\u015fletme sahipleriyle e\u015fle\u015ftirmeye yard\u0131mc\u0131 olur.\u00a0 Bu i\u015fletmeler, bir \u015firket profili olu\u015fturmak ve finansman ihtiya\u00e7lar\u0131n\u0131 detayland\u0131rmak i\u00e7in arka plan bilgilerini kullanacakt\u0131r.\u00a0 Bor\u00e7 verenler, i\u015fletmenin yat\u0131r\u0131m potansiyelinden yararlan\u0131r.\u00a0 K\u00fc\u00e7\u00fck i\u015fletme sahipleri, \u015firketlerini b\u00fcy\u00fctme yeteneklerinin artmas\u0131ndan yararlan\u0131r.\u00a0 E\u015fler aras\u0131 kredilendirme, sekt\u00f6re \u00f6zel yat\u0131r\u0131mc\u0131lar\u0131 uygun \u015firketlerle e\u015fle\u015ftirerek daha fazla \u00f6zg\u00fcll\u00fc\u011fe izin verdi\u011fi i\u00e7in genellikle geleneksel banka kredilerine g\u00f6re tercih edilir.\u00a0 Bu siteler, kay\u0131t tutma ve \u00f6demeler gibi arka u\u00e7 i\u015flevlerini kapsar (i\u015flemleri \u00e7ok daha kolay hale getirir) ve ard\u0131ndan hizmet i\u00e7in sabit bir \u00fccret veya kredinin bir y\u00fczdesini al\u0131r.<\/span><\/p>\n\n

Mikro Bor\u00e7 Verme<\/span><\/h2>\n

Mikro Bor\u00e7 Verme genellikle kar amac\u0131 g\u00fctmeyen kurulu\u015flar taraf\u0131ndan 250.000 $ \u2018a kadar kredi bulmak i\u00e7in kullan\u0131l\u0131r.\u00a0 Tipik olarak, bu krediler, geli\u015fmekte olan \u015firketler i\u00e7in para sunabilecek bireylerden veya daha k\u00fc\u00e7\u00fck topluluk gruplar\u0131ndan gelir.\u00a0 Bu topluluk gruplar\u0131n\u0131n \u00e7o\u011fu K\u00fc\u00e7\u00fck \u0130\u015fletmeler \u0130daresi<\/span> (SBA) taraf\u0131ndan desteklenmektedir ve ACCION<\/span> gibi kurulu\u015flar\u0131 i\u00e7erir.\u00a0 Bu y\u00f6ntemleri kullanan bor\u00e7 verme oranlar\u0131, genellikle hay\u0131r kurumlar\u0131 veya kar amac\u0131 g\u00fctmeyen kurulu\u015flar i\u00e7in tasarland\u0131klar\u0131 ger\u00e7e\u011fi g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda daha uygun olma e\u011filimindedir.\u00a0 Ancak bu ayn\u0131 zamanda kredi alman\u0131n daha zor oldu\u011fu anlam\u0131na gelir, \u00e7\u00fcnk\u00fc \u015firketinizin daha kat\u0131 kriterleri kar\u015f\u0131lamas\u0131 gerekir.\u00a0 Mikro bor\u00e7 verenler ayr\u0131ca onaydan \u00f6nce teminat, end\u00fcstri deneyimi kan\u0131t\u0131 ve iyi bir kredi puan\u0131 talep edebilir.<\/span><\/p>\n\n

Sonu\u00e7: Her Zaman Se\u00e7enekleri Ke\u015ffedin<\/span><\/h2>\n

E\u015fler aras\u0131 bor\u00e7 verme ve mikro bor\u00e7 verme gibi yeni kredi t\u00fcrleri, geleneksel banka kredilerini g\u00fcvence alt\u0131na alamayan bireyler ve \u015firketler i\u00e7in baz\u0131 alternatif se\u00e7enekler sunmaktad\u0131r.\u00a0 Baz\u0131 durumlarda, bankalar krediniz i\u00e7in en iyi ko\u015fullar\u0131 sunabilir.\u00a0 Ancak baz\u0131 durumlarda (hay\u0131r kurumlar\u0131nda veya kar amac\u0131 g\u00fctmeyen kurulu\u015flarda oldu\u011fu gibi) alternatif d\u00fczenlemeler daha iyi \u015fartlar sa\u011flayabilir.\u00a0 T\u00fcm kredi t\u00fcrleri e\u015fit de\u011fildir, ancak mevcut t\u00fcm se\u00e7eneklerinizi ke\u015ffetmek her zaman mant\u0131kl\u0131d\u0131r.<\/span><\/p>\n

Ipu\u00e7 -lar\u0131<\/span><\/p>\n

Her i\u015fletmenin Muhasebenin neden \u00f6nemli oldu\u011funu ve ba\u015far\u0131ya giden yolda onlara nas\u0131l hizmet edebilece\u011fini bilmesi gerekir. Anlamak i\u00e7in a\u015fa\u011f\u0131daki makaleyi okuyun \u00a0<\/span>Muhasebenin \u00d6nemi<\/a>.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Banka Kredileri ve Alternatif Krediler \u2018B\u00fcy\u00fck Durgunluk\u2019un ba\u015flang\u0131c\u0131ndan bu yana, bankalar bor\u00e7 verme politikalar\u0131n\u0131 s\u0131k\u0131la\u015ft\u0131rd\u0131 ve bireylerin ve k\u00fc\u00e7\u00fck i\u015fletmelerin kredileri i\u00e7in uygun ko\u015fullar elde etmelerini zorla\u015ft\u0131rd\u0131.\u00a0 Bu, \u00e7o\u011funlukla kendi a\u00e7\u0131lar\u0131ndan koruyucu bir \u00f6nlemdir ve son on y\u0131ldaki mali karga\u015fan\u0131n \u00e7o\u011funun b\u00fcy\u00fck bankac\u0131l\u0131k kurumlar\u0131ndaki gev\u015fek finansman politikalar\u0131ndan kaynakland\u0131\u011f\u0131 ger\u00e7e\u011fi g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda \u015fa\u015f\u0131rt\u0131c\u0131 de\u011fildir.\u00a0 Ancak […]<\/p>\n","protected":false},"author":9274,"featured_media":106494,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11451],"tags":[12069,12068,12067],"course-author":[],"course-level":[],"course-type":[],"class_list":["post-106493","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kisisel-finans","tag-alternatif-krediler","tag-banka-kredileri","tag-banka-kredileri-ve-alternatif-krediler"],"acf":[],"_links":{"self":[{"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/posts\/106493","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/users\/9274"}],"replies":[{"embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/comments?post=106493"}],"version-history":[{"count":0,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/posts\/106493\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/media\/106494"}],"wp:attachment":[{"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/media?parent=106493"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/categories?post=106493"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/tags?post=106493"},{"taxonomy":"course-author","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/course-author?post=106493"},{"taxonomy":"course-level","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/course-level?post=106493"},{"taxonomy":"course-type","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/course-type?post=106493"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}