Kredi ve Kredi Notu ile İlgili Herşey

kredi-notu-sorgulama

Kredi Nedir?

Kredi, anlık veya uzun vadeli ihtiyaçlarımızı karşılamak için kiraladığımız paradır. Kredinin faizini de bu paranın kira bedeli olarak düşünebiliriz. Faiz hesaplanırken kullanılan en önemli faktörler kredi verilecek kişinin kredi notu, verilecek kredi tutarı ve bu kredinin ne kadar zamanda geri ödeneceği, yani vadesidir.

Kredi Notu Nedir?

Yukarıda da bahsettiğimiz gibi kredi notu, kredinin faizi hesaplanırken, hatta bir kişinin kredi almaya uygun olup olmadığını belirlerken kullanılan sayısal bir değerdir.

En basit haliyle kredi notu, bir kişinin aldığı krediyi geri ödeme ihtimalidir. Sahip olduğumuz maddi karşılığı olan şeyler, aylık gelirimiz gibi unsurlar geri ödeyebilme gücümüzü ölçmek için kullanılıyor. Daha önce aldığımız krediler, bu kredileri zamanında ödeyip ödemediğimiz, kredi kartı kullanım alışkanlıklarımız gibi unsurlar ise alacağımız krediyi geri ödememe riskimizi hesaplarken kullanılıyor. Ödeme gücümüz arttıkça ve geri ödememe riskimiz düştükçe kredi notumuz da yükseliyor. Çünkü bankanın gözünde daha güvenilir bir borçlu adayı oluyoruz. Dolayısıyla kredi notumuz alabileceğimiz kredi tutarını ve ödeyeceğimiz faizi doğrudan etkiliyor.

Kredi Notu Nerelerde Kullanılıyor?

Kredi notu, kredi alma sürecinde birden fazla karşımıza çıkıyor. Kredi başvurusunda bulunduğumuzda, bankalar önce kredi notumuzu hesaplayarak istediğimiz bize kredi verip veremeyeceğine karar veriyor ve kredi talebimizi onaylıyor. Sonrasında ise yine kredi notumuz yardımıyla bize ne kadar kredi verebileceğine karar veriyor. Kredi notumuza bağlı olarak zaman zaman bankalar istediğimizin altında bir tutarda kredi vermeyi kabul edebilir, bazen de istediğimizden daha yüksek bir tutarda kredi vermeyi teklif edebilirler. Bu da kredi notunun ikinci işlevidir, notumuz ne kadar kredi kullanabileceğimizi hesaplarken kullanılır.

Bankalar için, kredi notunun yüksek olması kredi alan kişinin ödemeler konusunda daha güvenilir olduğunu gösterdiğinden kredi notu yükseldikçe kredi faizi düşer. Bu yüzden, kredi notu yüksek insanlar daha avantajlı oranlarla kredi kullanırlar.

Kredi Notumu Nereden Öğrenebilirim?

Kredi Kayıt Bürosu’na bağlı Türkiye’nin önde gelen 9 bankasının yardımı ile hayata geçirilen Findeks aracı ile bireysel ve ticari finansal durumunuzun kredi kullanmaya uygun olup olmadığını rutin raporlar ile takip edebilirsiniz.

Kredi notu aralığı 1500 ve üzeri olan bireysel kullanıcıların kredi alabilme olasılıkları yüksektir. 1499 ve altı not alanların ise riskleri değerlendirilir ve istihbarat birimleri tarafından kredi kullanıp kullanamayacakları netleştirilir.

Kredi Notu Aralığı Risk Grubu
1-699 En Riskli
700-1099 Orta Riskli
1100-1499 Az Riskli
1500-1699 İyi
1700-1900 Çok İyi

Kredi notunuzu yükseltmek için yapabileceğiniz en etkin yollardan biri, birden fazla bankaya olan kredi borcunuzu tek banka kredisi altında toplanmasıdır. Bu sayede riskinizi tek elden yönetebilirsiniz. Kredilerinizi tek banka altında toplamak için düşük kredi faiz oranı ve 48 ay vade fırsatı sunan bankadan yararlanabilirsiniz.

Markup: HTML Tags and Formatting

Headings

Header one

Header two

Header three

Header four

Header five
Header six

Blockquotes

Single line blockquote:

Stay hungry. Stay foolish.

Multi line blockquote with a cite reference:

People think focus means saying yes to the thing you’ve got to focus on. But that’s not what it means at all. It means saying no to the hundred other good ideas that there are. You have to pick carefully. I’m actually as proud of the things we haven’t done as the things I have done. Innovation is saying no to 1,000 things.

Steve Jobs – Apple Worldwide Developers’ Conference, 1997

Tables

Employee Salary
John Doe $1 Because that’s all Steve Jobs needed for a salary.
Jane Doe $100K For all the blogging she does.
Fred Bloggs $100M Pictures are worth a thousand words, right? So Jane x 1,000.
Jane Bloggs $100B With hair like that?! Enough said…

Definition Lists

Definition List Title
Definition list division.
Startup
A startup company or startup is a company or temporary organization designed to search for a repeatable and scalable business model.
#dowork
Coined by Rob Dyrdek and his personal body guard Christopher “Big Black” Boykins, “Do Work” works as a self motivator, to motivating your friends.
Do It Live
I’ll let Bill O’Reilly will explain this one.

Unordered Lists (Nested)

  • List item one
    • List item one
      • List item one
      • List item two
      • List item three
      • List item four
    • List item two
    • List item three
    • List item four
  • List item two
  • List item three
  • List item four

Ordered List (Nested)

  1. List item one
    1. List item one
      1. List item one
      2. List item two
      3. List item three
      4. List item four
    2. List item two
    3. List item three
    4. List item four
  2. List item two
  3. List item three
  4. List item four

HTML Tags

These supported tags come from the WordPress.com code FAQ.

Address Tag

1 Infinite Loop
Cupertino, CA 95014
United States

Anchor Tag (aka. Link)

This is an example of a link.

Abbreviation Tag

The abbreviation srsly stands for “seriously”.

Acronym Tag (deprecated in HTML5)

The acronym ftw stands for “for the win”.

Big Tag (deprecated in HTML5)

These tests are a big deal, but this tag is no longer supported in HTML5.

Cite Tag

“Code is poetry.” —Automattic

Code Tag

You will learn later on in these tests that word-wrap: break-word; will be your best friend.

Delete Tag

This tag will let you strikeout text, but this tag is no longer supported in HTML5 (use the <strike> instead).

Emphasize Tag

The emphasize tag should italicize text.

Insert Tag

This tag should denote inserted text.

Keyboard Tag

This scarcely known tag emulates keyboard text, which is usually styled like the <code> tag.

Preformatted Tag

This tag styles large blocks of code.

.post-title {
	margin: 0 0 5px;
	font-weight: bold;
	font-size: 38px;
	line-height: 1.2;
	and here's a line of some really, really, really, really long text, just to see how the PRE tag handles it and to find out how it overflows;
}

Quote Tag

Developers, developers, developers… –Steve Ballmer

Strike Tag (deprecated in HTML5)

This tag shows strike-through text

Strong Tag

This tag shows bold text.

Subscript Tag

Getting our science styling on with H2O, which should push the “2” down.

Superscript Tag

Still sticking with science and Isaac Newton’s E = MC2, which should lift the 2 up.

Teletype Tag (deprecated in HTML5)

This rarely used tag emulates teletype text, which is usually styled like the <code> tag.

Variable Tag

This allows you to denote variables.

Markup: Image Alignment

I Am Worth Loving Wallpaper

Welcome to image alignment! The best way to demonstrate the ebb and flow of the various image positioning options is to nestle them snuggly among an ocean of words. Grab a paddle and let’s get started.

On the topic of alignment, it should be noted that users can choose from the options of NoneLeftRight, and Center. In addition, they also get the options of ThumbnailMediumLarge & Fullsize.

Image Alignment 580x300

The image above happens to be centered.

Image Alignment 150x150The rest of this paragraph is filler for the sake of seeing the text wrap around the 150×150 image, which is left aligned

As you can see the should be some space above, below, and to the right of the image. The text should not be creeping on the image. Creeping is just not right. Images need breathing room too. Let them speak like you words. Let them do their jobs without any hassle from the text. In about one more sentence here, we’ll see that the text moves from the right of the image down below the image in seamless transition. Again, letting the do it’s thang. Mission accomplished!

And now for a massively large image. It also has no alignment.

Image Alignment 1200x400

The image above, though 1200px wide, should not overflow the content area. It should remain contained with no visible disruption to the flow of content.

Image Alignment 300x200

And now we’re going to shift things to the right align. Again, there should be plenty of room above, below, and to the left of the image. Just look at him there… Hey guy! Way to rock that right side. I don’t care what the left aligned image says, you look great. Don’t let anyone else tell you differently.

In just a bit here, you should see the text start to wrap below the right aligned image and settle in nicely. There should still be plenty of room and everything should be sitting pretty. Yeah… Just like that. It never felt so good to be right.

And just when you thought we were done, we’re going to do them all over again with captions!

Image Alignment 580x300
Look at 580×300 getting some caption love.

The image above happens to be centered. The caption also has a link in it, just to see if it does anything funky.

Image Alignment 150x150
Itty-bitty caption.

The rest of this paragraph is filler for the sake of seeing the text wrap around the 150×150 image, which is left aligned

As you can see the should be some space above, below, and to the right of the image. The text should not be creeping on the image. Creeping is just not right. Images need breathing room too. Let them speak like you words. Let them do their jobs without any hassle from the text. In about one more sentence here, we’ll see that the text moves from the right of the image down below the image in seamless transition. Again, letting the do it’s thang. Mission accomplished!

And now for a massively large image. It also has no alignment.

Image Alignment 1200x400
Massive image comment for your eyeballs.

The image above, though 1200px wide, should not overflow the content area. It should remain contained with no visible disruption to the flow of content.

Image Alignment 300x200
Feels good to be right all the time.

And now we’re going to shift things to the right align. Again, there should be plenty of room above, below, and to the left of the image. Just look at him there… Hey guy! Way to rock that right side. I don’t care what the left aligned image says, you look great. Don’t let anyone else tell you differently.

In just a bit here, you should see the text start to wrap below the right aligned image and settle in nicely. There should still be plenty of room and everything should be sitting pretty. Yeah… Just like that. It never felt so good to be right.

And that’s a wrap, yo! You survived the tumultuous waters of alignment. Image alignment achievement unlocked!

Markup: Text Alignment

Default

This is a paragraph. It should not have any alignment of any kind. It should just flow like you would normally expect. Nothing fancy. Just straight up text, free flowing, with love. Completely neutral and not picking a side or sitting on the fence. It just is. It just freaking is. It likes where it is. It does not feel compelled to pick a side. Leave him be. It will just be better that way. Trust me.

Left Align

This is a paragraph. It is left aligned. Because of this, it is a bit more liberal in it’s views. It’s favorite color is green. Left align tends to be more eco-friendly, but it provides no concrete evidence that it really is. Even though it likes share the wealth evenly, it leaves the equal distribution up to justified alignment.

Center Align

This is a paragraph. It is center aligned. Center is, but nature, a fence sitter. A flip flopper. It has a difficult time making up its mind. It wants to pick a side. Really, it does. It has the best intentions, but it tends to complicate matters more than help. The best you can do is try to win it over and hope for the best. I hear center align does take bribes.

Right Align

This is a paragraph. It is right aligned. It is a bit more conservative in it’s views. It’s prefers to not be told what to do or how to do it. Right align totally owns a slew of guns and loves to head to the range for some practice. Which is cool and all. I mean, it’s a pretty good shot from at least four or five football fields away. Dead on. So boss.

Justify Align

This is a paragraph. It is justify aligned. It gets really mad when people associate it with Justin Timberlake. Typically, justified is pretty straight laced. It likes everything to be in it’s place and not all cattywampus like the rest of the aligns. I am not saying that makes it better than the rest of the aligns, but it does tend to put off more of an elitist attitude.

Markup: Title With Special Characters

Putting special characters in the title should have no adverse effect on the layout or functionality.

Special characters in the post title have been known to cause issues with JavaScript when it is minified, especially in the admin when editing the post itself (ie. issues with metaboxes, media upload, etc.).

Latin Character Tests

This is a test to see if the fonts used in this theme support basic Latin characters.

! # $ % & ( ) *
+ , . / 0 1 2 3 4
5 6 7 8 9 : ; > = <
? @ A B C D E F G H
I J K L M N O P Q R
S T U V W X Y Z [ \
] ^ _ ` a b c d e f
g h i j k l m n o p
q r s t u v w x y z
{ | } ~