{"id":69169,"date":"2020-11-09T11:50:51","date_gmt":"2020-11-09T11:50:51","guid":{"rendered":"http:\/\/scandinavia.life\/iskandinavyada-ipotek-onayi-nasil-alinir\/"},"modified":"2022-07-01T09:51:03","modified_gmt":"2022-07-01T09:51:03","slug":"iskandinavyada-ipotek-onayi-nasil-alinir","status":"publish","type":"post","link":"https:\/\/scandinavia.life\/tr\/iskandinavyada-ipotek-onayi-nasil-alinir\/","title":{"rendered":"\u0130skandinavya&#8217;da ipotek onay\u0131 nas\u0131l al\u0131n\u0131r?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u0130skandinavya&#8217;da kendi evinize sahip olmak g\u00fc\u00e7l\u00fc bir k\u00fclt\u00fcrd\u00fcr ancak yeni vatanda\u015flar\u0131n kredi onay\u0131 almas\u0131 zor olabilir. Bunun nedeni, bankalar\u0131n <a href=\"https:\/\/www.google.com\/search?q=financial+crisis+2007+scandinavia&amp;oq=financial+crisis+2007+scandinavia&amp;aqs=chrome..69i57j33i22i29i30.10967j0j9&amp;sourceid=chrome&amp;ie=UTF-8\">2007&#8217;deki mali krizden<\/a> sonra SEC&#8217;e e\u015fde\u011ferden \u00e7ok d\u00fczenlenmi\u015f olmas\u0131d\u0131r. \u0130skandinavya mali krizi atlatt\u0131, ancak o zamandan beri hanehalklar\u0131ndaki bor\u00e7larda a\u015f\u0131r\u0131 bir art\u0131\u015f g\u00f6rd\u00fc. Art\u0131\u015f \u015funlardan kaynaklanm\u0131\u015ft\u0131r:<\/p>\n\n<ul class=\"wp-block-list\"><li>Gayrimenkul fiyatlar\u0131 artt\u0131<\/li><li>Ki\u015fisel bor\u00e7\/t\u00fcketici borcunda art\u0131\u015f<\/li><li>D\u00fc\u015f\u00fck faiz<\/li><\/ul>\n\n<p class=\"wp-block-paragraph\">\u0130nsanlara <a href=\"https:\/\/scandinavia.life\/tr\/norvecte-bankacilik-hizmetleri\/\">bor\u00e7 para verme<\/a> kurallar\u0131 bu nedenle yeni vatanda\u015flar ve yerel halk\u0131n kendileri i\u00e7in biraz de\u011fi\u015fti. Farkl\u0131 \u00fclkelerin farkl\u0131 politikalar\u0131 vard\u0131r, ancak bunlar \u00e7ok benzerdir:<\/p>\n\n<ol class=\"wp-block-list\"><li>5 y\u0131ld\u0131r \u00fclkede ya\u015f\u0131yor olmal\u0131s\u0131n<\/li><li>En az 3 y\u0131ll\u0131k vergilendirilmi\u015f geliriniz olmal\u0131<\/li><li>\u00d6deme a\u00e7\u0131klamas\u0131 yok<\/li><li>Gayrimenkul\u00fcn toplam de\u011ferinin %10-25&#8217;i oran\u0131nda \u00f6z sermayeye sahip olman\u0131z gerekir.<\/li><\/ol>\n\n<h2 class=\"wp-block-heading\">Bu gereksinimlerden herhangi bir istisna var m\u0131?<\/h2>\n\n<p class=\"wp-block-paragraph\">Evet, \u00e7o\u011fu banka m\u00fc\u015fteri taban\u0131n\u0131n yakla\u015f\u0131k %10&#8217;u i\u00e7in kendileri karar verebilir, ancak bu \u00e7o\u011funlukla \u00f6zkaynak ve gelir dahilindedir. Son birka\u00e7 y\u0131ldaki geliriniz veya ekonominiz hakk\u0131nda \u00e7ok az belgeye sahip bir yabanc\u0131 olarak, <a href=\"https:\/\/scandinavia.life\/tr\/norvecte-kredi-piyasasinin-arastirilmasi\/\">kredi alman\u0131z<\/a> neredeyse imkans\u0131z olabilir. Normalde geleneksel bir bankadan kredi almayan ki\u015filere kredi verme konusunda uzmanla\u015fm\u0131\u015f bankalar var, ancak onlardan al\u0131nan krediler olduk\u00e7a pahal\u0131. Kredi kurmak i\u00e7in genellikle \u00e7ok y\u00fcksek faiz ve \u00fccrete sahiptirler ve \u00e7o\u011funlukla Norve\u00e7 web sitesi <a href=\"https:\/\/gjeldsproblemer.com\/\">Gjeldsproblemer.com&#8217;a<\/a> g\u00f6re yeniden finansman i\u00e7in kullan\u0131l\u0131rlar.<\/p>\n\n<p class=\"wp-block-paragraph\">\u0130skandinavya&#8217;da iyi \u00fccretli bir i\u015finiz varsa, \u00f6z sermayeniz varsa kredi alman\u0131z m\u00fcmk\u00fcn olabilir, ancak banka sizden daha fazla \u00f6z sermaye veya i\u015fvereninizden bir garanti istiyor olabilir.<\/p>\n\n<h2 class=\"wp-block-heading\">Bir ipotek i\u00e7in nas\u0131l ba\u015fvurulur ve \u015fans\u0131n\u0131z\u0131 nas\u0131l art\u0131r\u0131rs\u0131n\u0131z?<\/h2>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/scandinavia.life\/tr\/norvecte-konut\/\">\u0130skandinavya&#8217;da kredi<\/a> ba\u015fvurusunda bulundu\u011funuzda, \u00f6ncelikle ge\u00e7mi\u015f y\u0131llara ait t\u00fcm belgeleri toplamaya \u00e7al\u0131\u015fman\u0131z\u0131 \u015fiddetle tavsiye ederiz. Vergi beyannameleri, banka transkriptleri ve ayr\u0131ca tasarruflar\u0131n\u0131za genel bir bak\u0131\u015f olabilir. Kredi notunuz y\u00fcksekse bunun da \u00e7\u0131kt\u0131s\u0131n\u0131 al\u0131n. Ayr\u0131ca i\u015f s\u00f6zle\u015fmeleri, tasarruflar ve ekonominizin t\u00fcm y\u00f6nleri gibi stat\u00fckonuz hakk\u0131nda sahip oldu\u011funuz t\u00fcm bilgileri toplay\u0131n.<\/p>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/scandinavia.life\/tr\/hayalinizdeki-daireyi-almanin-en-iyi-yollari\/\">Kredi ba\u015fvurusu<\/a> yaparken banka ile g\u00f6r\u00fc\u015fme ayarlamal\u0131 ve online bankalar\u0131 kullanmamal\u0131s\u0131n\u0131z. Bunun nedeni, \u00e7o\u011funlukla reddedilecek olman\u0131zd\u0131r, \u00e7\u00fcnk\u00fc bu bankalar onay i\u00e7in otomatik ara\u00e7lar kullan\u0131r ve deneyimlerimize g\u00f6re karma\u015f\u0131k davalar reddedilir. Banka ile g\u00f6r\u00fc\u015ferek durumunuzu anlatabilirsiniz ve banka onay alman\u0131z i\u00e7in neye ihtiya\u00e7 duydu\u011funu a\u00e7\u0131klayabilir.<\/p>\n\n<p class=\"wp-block-paragraph\">Birden fazla bankaya ba\u015fvurman\u0131z da \u00e7ok \u00f6nemlidir. Ayn\u0131 \u015fekilde d\u00fczenlenseler de her banka farkl\u0131 kararlar veriyor ve bir ret t\u00fcm bankalardan reddedilece\u011finiz anlam\u0131na gelmiyor!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0130skandinavya&#8217;da kendi evinize sahip olmak g\u00fc\u00e7l\u00fc bir k\u00fclt\u00fcrd\u00fcr ancak yeni vatanda\u015flar\u0131n kredi onay\u0131 almas\u0131 zor olabilir. Bunun nedeni, bankalar\u0131n 2007&#8217;deki mali krizden sonra SEC&#8217;e e\u015fde\u011ferden \u00e7ok d\u00fczenlenmi\u015f olmas\u0131d\u0131r. \u0130skandinavya mali krizi atlatt\u0131, ancak o zamandan beri hanehalklar\u0131ndaki bor\u00e7larda a\u015f\u0131r\u0131 bir art\u0131\u015f g\u00f6rd\u00fc. Art\u0131\u015f \u015funlardan kaynaklanm\u0131\u015ft\u0131r: Gayrimenkul fiyatlar\u0131 artt\u0131 Ki\u015fisel bor\u00e7\/t\u00fcketici borcunda art\u0131\u015f D\u00fc\u015f\u00fck faiz \u0130nsanlara<\/p>\n","protected":false},"author":1,"featured_media":64048,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33810,34084,31355],"tags":[34229,32225,34223,31384,32300],"class_list":["post-69169","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bankacilik","category-iskandinav","category-uncategorized-tr","tag-banka-borcu","tag-gurbetci-hayati","tag-ipotek-tr","tag-iskandinavya","tag-konut"],"_links":{"self":[{"href":"https:\/\/scandinavia.life\/tr\/wp-json\/wp\/v2\/posts\/69169","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/scandinavia.life\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/scandinavia.life\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/scandinavia.life\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/scandinavia.life\/tr\/wp-json\/wp\/v2\/comments?post=69169"}],"version-history":[{"count":0,"href":"https:\/\/scandinavia.life\/tr\/wp-json\/wp\/v2\/posts\/69169\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/scandinavia.life\/tr\/wp-json\/wp\/v2\/media\/64048"}],"wp:attachment":[{"href":"https:\/\/scandinavia.life\/tr\/wp-json\/wp\/v2\/media?parent=69169"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/scandinavia.life\/tr\/wp-json\/wp\/v2\/categories?post=69169"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/scandinavia.life\/tr\/wp-json\/wp\/v2\/tags?post=69169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}