{"id":18891,"date":"2026-10-14T19:15:38","date_gmt":"2026-10-14T16:15:38","guid":{"rendered":"https:\/\/www.karekod.org\/blog\/?p=18891"},"modified":"2026-10-14T19:15:41","modified_gmt":"2026-10-14T16:15:41","slug":"faizsiz-kredi-veren-bankalar-2024","status":"publish","type":"post","link":"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/","title":{"rendered":"Faizsiz Kredi Veren Bankalar 2026: Ekim Ay\u0131 G\u00fcncel Kredi Listesi"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">T\u00fcrkiye&#8217;de faizsiz kredi veren bankalar, 14 Ekim 2026 itibar\u0131yla yeni m\u00fc\u015fterilere \u00f6zel s\u0131f\u0131r faizli ihtiya\u00e7 kredisi, taksitli nakit avans ve ek hesap kampanyalar\u0131 sunuyor. Akbank, Garanti BBVA, QNB, DenizBank, T\u00fcrkiye \u0130\u015f Bankas\u0131, Ziraat Bankas\u0131 ve CEPTETEB, s\u0131f\u0131r faizli finansman se\u00e7enekleriyle \u00f6ne \u00e7\u0131k\u0131yor. Baz\u0131 bankalar\u0131n toplam kampanya limitleri 125.000 TL&#8217;ye kadar y\u00fckselirken, devlet destekli giri\u015fimci kredilerinde daha y\u00fcksek tutarlara ula\u015f\u0131labiliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar\u0131n sundu\u011fu faizsiz finansman se\u00e7enekleri, kredi tutar\u0131, geri \u00f6deme s\u00fcresi ve ba\u015fvuru ko\u015fullar\u0131 bak\u0131m\u0131ndan farkl\u0131l\u0131k g\u00f6steriyor. \u00d6zellikle yeni m\u00fc\u015fterilere y\u00f6nelik kampanyalarda mobil bankac\u0131l\u0131ktan hesap a\u00e7mak, kredi de\u011ferlendirmesinden ge\u00e7mek veya kredi kart\u0131 ba\u015fvurusunun onaylanmas\u0131 gibi \u015fartlar bulunuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>H\u0131zl\u0131 \u00d6zet: Faizsiz Kredi Veren Bankalar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">14 Ekim 2026 itibar\u0131yla \u00f6ne \u00e7\u0131kan faizsiz kredi f\u0131rsatlar\u0131 \u015f\u00f6yle:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>En y\u00fcksek toplam faizsiz nakit limiti: Akbank, \u015fartl\u0131 olarak 125.000 TL.<\/li>\n\n\n\n<li>Faizsiz ihtiya\u00e7 kredisi: DenizBank&#8217;ta 65.000 TL&#8217;ye, Garanti BBVA&#8217;da 50.000 TL&#8217;ye, QNB&#8217;de 25.000 TL&#8217;ye kadar.<\/li>\n\n\n\n<li>En yayg\u0131n vade: 3 ay. DenizBank&#8217;\u0131n ihtiya\u00e7 kredisi b\u00f6l\u00fcm\u00fcnde 4 aya kadar vade bulunuyor.<\/li>\n\n\n\n<li>Kamu bankas\u0131 f\u0131rsat\u0131: Ziraat Bankas\u0131, 25.000 TL&#8217;ye kadar faizsiz taksitli nakit avans sunuyor.<\/li>\n\n\n\n<li>\u00d6zel giri\u015fimci deste\u011fi: Halkbank&#8217;\u0131n uygun giri\u015fimcilere y\u00f6nelik s\u0131f\u0131r faizli esnaf kredilerinde limitler 1 milyon TL&#8217;ye ula\u015fabiliyor.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6nemli ayr\u0131nt\u0131: Bankalar\u0131n reklamlar\u0131nda belirtilen toplam tutar\u0131n tamam\u0131 ihtiya\u00e7 kredisi olmayabilir. Kredi, nakit avans ve ek hesap limitleri bir araya getirilerek toplam finansman miktar\u0131 hesaplanabilir.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0130\u00e7indekiler<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#Faizsiz_Kredi_Veren_Bankalar_Ekim_2026\" >Faizsiz Kredi Veren Bankalar Ekim 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#Banka_Banka_Faizsiz_Kredi_Kampanyalari_ve_Sartlari\" >Banka Banka Faizsiz Kredi Kampanyalar\u0131 ve \u015eartlar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#Diger_Bankalar_Faizsiz_Kredi_Veriyor_mu\" >Di\u011fer Bankalar Faizsiz Kredi Veriyor mu?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#Katilim_Bankalari_Faizsiz_Kredi_Veriyor_mu\" >Kat\u0131l\u0131m Bankalar\u0131 Faizsiz Kredi Veriyor mu?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#Halkbank_Faizsiz_Esnaf_Kredisi_2026\" >Halkbank Faizsiz Esnaf Kredisi 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#Yillara_Gore_Faizsiz_Kredi_Limitleri_2022%E2%80%932026\" >Y\u0131llara G\u00f6re Faizsiz Kredi Limitleri (2022\u20132026)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#Faizsiz_Kredi_Geri_Odeme_Hesaplamasi\" >Faizsiz Kredi Geri \u00d6deme Hesaplamas\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#Faizsiz_Kredi_Gercekten_Masrafsiz_mi\" >Faizsiz Kredi Ger\u00e7ekten Masrafs\u0131z m\u0131?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#Faizsiz_Kredi_Basvuru_Sartlari_Nelerdir\" >Faizsiz Kredi Ba\u015fvuru \u015eartlar\u0131 Nelerdir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#Yeni_Musteriye_ve_Eski_Musteriye_Faizsiz_Kredi\" >Yeni M\u00fc\u015fteriye ve Eski M\u00fc\u015fteriye Faizsiz Kredi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#Devlet_Destekli_Faizsiz_Evlilik_Kredisi_2026\" >Devlet Destekli Faizsiz Evlilik Kredisi 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#PTT_Faizsiz_Kredi_Veriyor_mu\" >PTT Faizsiz Kredi Veriyor mu?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#Editor_Yorumu_2026da_Hangi_Bankanin_Faizsiz_Kredisi_Daha_Avantajli\" >Edit\u00f6r Yorumu: 2026&#8217;da Hangi Bankan\u0131n Faizsiz Kredisi Daha Avantajl\u0131?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#Faizsiz_Kredi_Veren_Bankalar_Hakkinda_Sikca_Sorulan_Sorular\" >Faizsiz Kredi Veren Bankalar Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/#Kaynaklar\" >Kaynaklar<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Faizsiz_Kredi_Veren_Bankalar_Ekim_2026\"><\/span>Faizsiz Kredi Veren Bankalar Ekim 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A\u015fa\u011f\u0131daki tabloda bankalar\u0131n Ekim 2026 d\u00f6nemindeki ilanlar\u0131, kredi t\u00fcrleri ve finansman limitleri kar\u015f\u0131la\u015ft\u0131r\u0131l\u0131yor.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1049\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2023\/11\/Faizsiz-Kredi-Veren-Bankalar-2026-1-1049x590.webp\" alt=\"Faizsiz Kredi Veren Bankalar 2026\" class=\"wp-image-62337\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2023\/11\/Faizsiz-Kredi-Veren-Bankalar-2026-1-1049x590.webp 1049w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2023\/11\/Faizsiz-Kredi-Veren-Bankalar-2026-1-360x203.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2023\/11\/Faizsiz-Kredi-Veren-Bankalar-2026-1-730x411.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2023\/11\/Faizsiz-Kredi-Veren-Bankalar-2026-1-350x197.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2023\/11\/Faizsiz-Kredi-Veren-Bankalar-2026-1-1100x619.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2023\/11\/Faizsiz-Kredi-Veren-Bankalar-2026-1-400x225.webp 400w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2023\/11\/Faizsiz-Kredi-Veren-Bankalar-2026-1.webp 1200w\" sizes=\"(max-width: 1049px) 100vw, 1049px\" \/><figcaption class=\"wp-element-caption\">G\u00fcncel Faizsiz Kredi Veren Bankalar<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Banka<\/th><th>Faizsiz Tutar<\/th><th>Vade<\/th><th>\u00dcr\u00fcn T\u00fcr\u00fc<\/th><\/tr><tr><td>Akbank<\/td><td>125.000 TL&#8217;ye kadar<\/td><td>3 ay<\/td><td>Art\u0131 Para + nakit avans<\/td><\/tr><tr><td>Garanti BBVA<\/td><td>100.000 TL&#8217;ye kadar<\/td><td>3 ay<\/td><td>\u0130htiya\u00e7 kredisi + avans hesap<\/td><\/tr><tr><td>QNB<\/td><td>100.000 TL&#8217;ye kadar<\/td><td>3 ay<\/td><td>Kredi + avans + ek hesap<\/td><\/tr><tr><td>DenizBank<\/td><td>100.000 TL&#8217;ye kadar<\/td><td>3\u20134 ay<\/td><td>Kredi + avans + Kurtaran Hesap<\/td><\/tr><tr><td>T\u00fcrkiye \u0130\u015f Bankas\u0131<\/td><td>55.000 TL&#8217;ye kadar<\/td><td>1\u20133 ay<\/td><td>Nakit avans + ek hesap<\/td><\/tr><tr><td>Ziraat Bankas\u0131<\/td><td>25.000 TL&#8217;ye kadar<\/td><td>2\u20133 ay<\/td><td>Taksitli nakit avans<\/td><\/tr><tr><td>CEPTETEB<\/td><td>25.000 TL&#8217;ye kadar<\/td><td>3 ay<\/td><td>Taksitli nakit avans<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Not: Tutarlar bankalar\u0131n duyurdu\u011fu azami limitleri ifade eder. Akbank&#8217;\u0131n 125.000 TL&#8217;lik \u00fcst s\u0131n\u0131r\u0131 ek harcama ve fatura talimat\u0131 \u015fartlar\u0131na ba\u011fl\u0131d\u0131r. Faizsiz \u00fcr\u00fcnlerin ayn\u0131 anda kullan\u0131labilmesi ayr\u0131 ayr\u0131 onaya tabidir. CEPTETEB&#8217;in d\u00fc\u015f\u00fck faizli ihtiya\u00e7 kredisi bu tabloya dahil edilmemi\u015ftir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u0131f\u0131r faizli kampanyalar\u0131n yan\u0131 s\u0131ra standart ihtiya\u00e7 kredilerini de de\u011ferlendirmek isteyenler, <a href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/\">bankalar\u0131n kredi faiz oranlar\u0131<\/a> kar\u015f\u0131la\u015ft\u0131rmas\u0131n\u0131 inceleyerek ihtiya\u00e7, konut ve ta\u015f\u0131t kredilerindeki g\u00fcncel teklifleri kar\u015f\u0131la\u015ft\u0131rabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Banka_Banka_Faizsiz_Kredi_Kampanyalari_ve_Sartlari\"><\/span>Banka Banka Faizsiz Kredi Kampanyalar\u0131 ve \u015eartlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Akbank Faizsiz Kredi Kampanyas\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Akbank, Ekim 2026&#8217;da mobil bankac\u0131l\u0131k \u00fczerinden yeni m\u00fc\u015fteri olanlara toplam 125.000 TL&#8217;ye varan s\u0131f\u0131r faizli finansman f\u0131rsat\u0131 sunuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kampanya kapsam\u0131nda 75.000 TL&#8217;ye kadar Taksitli Art\u0131 Para, 3 ay vadeyle %0 faiz oran\u0131ndan kullan\u0131labiliyor. \u0130lave ko\u015fullar\u0131 yerine getiren m\u00fc\u015fteriler i\u00e7in Art\u0131 Para limiti 100.000 TL&#8217;ye y\u00fckselebiliyor. Buna 25.000 TL&#8217;ye kadar taksitli nakit avans da eklenebiliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">100.000 TL&#8217;lik Art\u0131 Para f\u0131rsat\u0131 i\u00e7in Ekim ay\u0131nda otomatik fatura \u00f6deme talimat\u0131 verilmesi ve yeni al\u0131nan bireysel kredi kart\u0131yla en az 10.000 TL harcama yap\u0131lmas\u0131 gerekiyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu nedenle Akbank&#8217;\u0131n 125.000 TL kampanyas\u0131 tek par\u00e7a ihtiya\u00e7 kredisi de\u011fil, \u015fartlara ba\u011fl\u0131 bir finansman paketidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Garanti BBVA Faizsiz Kredi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Garanti BBVA, 1\u201315 Ekim 2026 d\u00f6neminde mobil uygulamadan ilk kez m\u00fc\u015fteri olanlara toplam 100.000 TL&#8217;ye kadar faizsiz finansman imk\u00e2n\u0131 sunuyor.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Finansman \u00dcr\u00fcn\u00fc<\/th><th>Limit<\/th><th>Vade<\/th><\/tr><tr><td>Faizsiz ihtiya\u00e7 kredisi<\/td><td>50.000 TL<\/td><td>3 ay<\/td><\/tr><tr><td>Faizsiz taksitli avans hesap<\/td><td>50.000 TL<\/td><td>3 ay<\/td><\/tr><tr><td>Toplam<\/td><td>100.000 TL<\/td><td>3 ay<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Faizsiz ihtiya\u00e7 kredisi i\u00e7in hayat sigortas\u0131 \u015fart\u0131 bulunuyor. Banka, mobil m\u00fc\u015fteri olma i\u015flemini tamamlayanlara 10 g\u00fcn i\u00e7inde kampanyal\u0131 ba\u015fvuru yapma hakk\u0131 tan\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Garanti BBVA&#8217;n\u0131n \u00f6rnek tablosunda 50.000 TL kredi i\u00e7in 250 TL hayat sigortas\u0131 primi g\u00f6steriliyor. Sigorta bedeli m\u00fc\u015fterinin \u00f6zelliklerine g\u00f6re de\u011fi\u015febiliyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">QNB Faizsiz Kredi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">QNB, yeni m\u00fc\u015fterilere \u00fc\u00e7 farkl\u0131 \u00fcr\u00fcnden olu\u015fan toplam 100.000 TL&#8217;ye kadar faizsiz nakit f\u0131rsat\u0131 sunuyor.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u00dcr\u00fcn<\/th><th>Faizsiz Limit<\/th><th>Vade<\/th><\/tr><tr><td>\u0130htiya\u00e7 kredisi<\/td><td>25.000 TL<\/td><td>3 ay<\/td><\/tr><tr><td>Taksitli nakit avans<\/td><td>25.000 TL<\/td><td>3 ay<\/td><\/tr><tr><td>Taksitli ek hesap<\/td><td>50.000 TL<\/td><td>3 ay<\/td><\/tr><tr><td>Toplam<\/td><td>100.000 TL<\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130htiya\u00e7 kredisi i\u00e7in banka taraf\u0131ndan verilen \u00f6rnek maliyet tablosunda tahsis \u00fccreti ve hayat sigortas\u0131 primi de bulunuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dolay\u0131s\u0131yla QNB&#8217;nin %0 faizli kredisinde, faiz \u00f6denmese bile toplam maliyet s\u0131f\u0131r olmayabiliyor. Kredi kart\u0131ndan taksitli nakit avans i\u00e7in ayr\u0131ca kart ve limit onay\u0131 gerekiyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">DenizBank Faizsiz Kredi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">DenizBank, Ekim 2026&#8217;da ilk kez MobilDeniz \u00fczerinden m\u00fc\u015fteri olanlara 100.000 TL&#8217;ye varan faizsiz nakit paketi sunuyor.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u00dcr\u00fcn<\/th><th>Tutar<\/th><th>Vade<\/th><\/tr><tr><td>Faizsiz ihtiya\u00e7 kredisi<\/td><td>65.000 TL<\/td><td>4 aya kadar<\/td><\/tr><tr><td>Taksitli nakit avans<\/td><td>25.000 TL<\/td><td>3 ay<\/td><\/tr><tr><td>Taksitli Kurtaran Hesap<\/td><td>10.000 TL<\/td><td>3 aya kadar<\/td><\/tr><tr><td>Toplam<\/td><td>100.000 TL<\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">DenizBank&#8217;\u0131n faizsiz ihtiya\u00e7 kredisinde kredi notuna g\u00f6re \u00f6nemli bir ayr\u0131m bulunuyor:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>KKB Puan\u0131<\/th><th>Azami Faizsiz Kredi<\/th><\/tr><tr><td>1850\u20131900<\/td><td>65.000 TL<\/td><\/tr><tr><td>1301\u20131849<\/td><td>10.000 TL<\/td><\/tr><tr><td>1300 ve alt\u0131<\/td><td>Kampanya kapsam\u0131nda kulland\u0131r\u0131m yok<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Hayat sigortas\u0131 tercihi ve tahsis \u00fccretleri de de\u011ferlendirilmesi gereken ko\u015fullar aras\u0131nda. Banka, faizsiz kredi talebini m\u00fc\u015fterinin kredi ge\u00e7mi\u015fine ve risk de\u011ferlendirmesine g\u00f6re sonu\u00e7land\u0131r\u0131yor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">T\u00fcrkiye \u0130\u015f Bankas\u0131 Faizsiz Kredi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcrkiye \u0130\u015f Bankas\u0131, Ekim 2026&#8217;da \u0130\u015fCep \u00fczerinden ilk kez m\u00fc\u015fteri olanlara toplam 55.000 TL&#8217;ye kadar faizsiz nakit olana\u011f\u0131 sa\u011fl\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kampanya iki ayr\u0131 \u00fcr\u00fcnden olu\u015fuyor: 25.000 TL&#8217;ye kadar 2\u20133 ay vadeli taksitli nakit avans ve 30.000 TL&#8217;ye kadar 30 g\u00fcn faizsiz kullan\u0131labilen Ek Hesap.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Burada \u00f6zellikle belirtilmesi gereken ayr\u0131nt\u0131, Ek Hesap&#8217;\u0131n taksitli bir ihtiya\u00e7 kredisi olmamas\u0131. Faizsiz kullan\u0131m s\u00fcresi tamamlanmadan borcun kapat\u0131lmas\u0131 \u00f6nem ta\u015f\u0131yor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ziraat Bankas\u0131 Faizsiz Kredi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ziraat Bankas\u0131, 1 Temmuz\u201331 Aral\u0131k 2026 kampanyas\u0131 kapsam\u0131nda mobil uygulama \u00fczerinden ilk kez m\u00fc\u015fteri olanlara 25.000 TL&#8217;ye kadar faizsiz taksitli nakit avans f\u0131rsat\u0131 sa\u011fl\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankkart kredi kart\u0131 ba\u015fvurusu onaylanan ve kampanyaya Bankkart Mobil \u00fczerinden kat\u0131lan m\u00fc\u015fteriler, nakit avans tutar\u0131n\u0131 2 veya 3 taksitte \u00f6deyebiliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu teklif, do\u011frudan faizsiz ihtiya\u00e7 kredisi de\u011fil, kredi kart\u0131 arac\u0131l\u0131\u011f\u0131yla sunulan nakit avans kampanyas\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">CEPTETEB Faizsiz Kredi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">CEPTETEB&#8217;in yeni m\u00fc\u015fterilere y\u00f6nelik kampanyas\u0131nda 25.000 TL&#8217;ye kadar, 3 taksitli faizsiz nakit avans bulunuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayr\u0131ca 50.000 TL&#8217;ye kadar, 6 ay vadeli ve ayl\u0131k %1,99&#8217;dan ba\u015flayan faiz oranlar\u0131yla ihtiya\u00e7 kredisi se\u00e7ene\u011fi sunuluyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">50.000 TL&#8217;lik kredi faizsiz de\u011fildir. Bu nedenle toplam 75.000 TL&#8217;nin tamam\u0131n\u0131 s\u0131f\u0131r faizli finansman \u015feklinde de\u011ferlendirmek do\u011fru olmaz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kredi kart\u0131 ba\u015fvurusunun m\u00fc\u015fteri olduktan sonraki 14 g\u00fcn i\u00e7inde tamamlanmas\u0131 ve kart\u0131n onaylanmas\u0131 gerekiyor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Diger_Bankalar_Faizsiz_Kredi_Veriyor_mu\"><\/span>Di\u011fer Bankalar Faizsiz Kredi Veriyor mu?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcrkiye&#8217;deki di\u011fer mevduat bankalar\u0131 ve dijital bankac\u0131l\u0131k hizmetleri de ara\u015ft\u0131rmaya dahil edildi. A\u015fa\u011f\u0131daki tabloda Ekim 2026 itibar\u0131yla genel kullan\u0131ma a\u00e7\u0131k, s\u0131f\u0131r faizli yeni m\u00fc\u015fteri kampanyas\u0131 do\u011frulanamayan bankalar da bulunuyor.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Banka \/ Hizmet<\/th><th>Ekim 2026 Durumu<\/th><\/tr><tr><td>Vak\u0131fBank<\/td><td>Genel faizsiz ihtiya\u00e7 kredisi do\u011frulanmad\u0131<\/td><\/tr><tr><td>Halkbank<\/td><td>\u00d6zel giri\u015fimci ve esnaf kredileri mevcut<\/td><\/tr><tr><td>Yap\u0131 Kredi<\/td><td>Genel faizsiz nakit kampanyas\u0131 do\u011frulanmad\u0131<\/td><\/tr><tr><td>ING<\/td><td>D\u00f6nemsel kredi kart\u0131 ve nakit avans f\u0131rsatlar\u0131<\/td><\/tr><tr><td>Enpara<\/td><td>G\u00fcncel genel s\u0131f\u0131r faizli kredi do\u011frulanmad\u0131<\/td><\/tr><tr><td>ON Dijital \/ Burgan Bank<\/td><td>D\u00fc\u015f\u00fck faizli kredi ve ek hesap se\u00e7enekleri<\/td><\/tr><tr><td>N Kolay \/ Aktif Bank<\/td><td>G\u00fcncel s\u0131f\u0131r faizli kredi ko\u015fullar\u0131 do\u011frulanmad\u0131<\/td><\/tr><tr><td>Fibabanka<\/td><td>\u0130\u015f yeri ve al\u0131\u015fveri\u015f finansman\u0131 se\u00e7enekleri<\/td><\/tr><tr><td>Alternatif Bank<\/td><td>G\u00fcncel s\u0131f\u0131r faizli nakit kampanyas\u0131 do\u011frulanmad\u0131<\/td><\/tr><tr><td>Anadolubank<\/td><td>Tar\u0131msal al\u0131\u015fveri\u015flerde d\u00f6nemsel faizsiz vade<\/td><\/tr><tr><td>\u015eekerbank<\/td><td>G\u00fcncel genel faizsiz kampanya do\u011frulanmad\u0131<\/td><\/tr><tr><td>Odeabank (Odea)<\/td><td>G\u00fcncel genel faizsiz kampanya do\u011frulanmad\u0131<\/td><\/tr><tr><td>HSBC<\/td><td>G\u00fcncel genel faizsiz kampanya do\u011frulanmad\u0131<\/td><\/tr><tr><td>ICBC Turkey<\/td><td>G\u00fcncel genel faizsiz kampanya do\u011frulanmad\u0131<\/td><\/tr><tr><td>TurkishBank<\/td><td>G\u00fcncel genel faizsiz kampanya do\u011frulanmad\u0131<\/td><\/tr><tr><td>T-Bank (Turkland Bank)<\/td><td>G\u00fcncel genel faizsiz kampanya do\u011frulanmad\u0131<\/td><\/tr><tr><td>BankPozitif<\/td><td>Genel bireysel kampanya do\u011frulanmad\u0131<\/td><\/tr><tr><td>Ziraat Dinamik Banka<\/td><td>G\u00fcncel faizsiz nakit kampanyas\u0131 do\u011frulanmad\u0131<\/td><\/tr><tr><td>T\u00fcrk Ticaret Bankas\u0131<\/td><td>Genel bireysel kampanya do\u011frulanmad\u0131<\/td><\/tr><tr><td>Colendi Bank<\/td><td>G\u00fcncel faizsiz nakit kampanyas\u0131 do\u011frulanmad\u0131<\/td><\/tr><tr><td>FUPS Bank<\/td><td>G\u00fcncel faizsiz nakit kampanyas\u0131 do\u011frulanmad\u0131<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Do\u011frulanmad\u0131 ifadesi, bankan\u0131n hi\u00e7bir m\u00fc\u015fteriye s\u0131f\u0131r faiz sunmad\u0131\u011f\u0131 anlam\u0131na gelmez. M\u00fc\u015fteriye \u00f6zel, ticari veya s\u0131n\u0131rl\u0131 s\u00fcreli teklifler bu genel kar\u015f\u0131la\u015ft\u0131rmadan farkl\u0131 olabilir. Yat\u0131r\u0131m ve kalk\u0131nma bankalar\u0131 standart bireysel yeni m\u00fc\u015fteri kredisi kar\u015f\u0131la\u015ft\u0131rmas\u0131n\u0131n d\u0131\u015f\u0131ndad\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Katilim_Bankalari_Faizsiz_Kredi_Veriyor_mu\"><\/span>Kat\u0131l\u0131m Bankalar\u0131 Faizsiz Kredi Veriyor mu?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kat\u0131l\u0131m bankalar\u0131, geleneksel bankalar\u0131n faizli kredi sisteminden farkl\u0131 bir finansman modeli kullan\u0131yor. Bu bankalar genellikle mal veya hizmet al\u0131m\u0131n\u0131n finansman\u0131nda k\u00e2r pay\u0131 esas\u0131na dayal\u0131 i\u015flemler ger\u00e7ekle\u015ftiriyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak kat\u0131l\u0131m bankas\u0131 olmas\u0131, her finansman \u00fcr\u00fcn\u00fcn\u00fcn s\u0131f\u0131r maliyetli oldu\u011fu anlam\u0131na gelmiyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcrkiye Kat\u0131l\u0131m Bankalar\u0131 Birli\u011fi&#8217;nin \u00fcye listesinde yer alan kurumlar ve finansman durumlar\u0131 \u015f\u00f6yle:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Kat\u0131l\u0131m Bankas\u0131<\/th><th>Finansman Durumu<\/th><\/tr><tr><td>Albaraka T\u00fcrk<\/td><td>Belirli harcamalarda vade farks\u0131z finansman<\/td><\/tr><tr><td>Kuveyt T\u00fcrk<\/td><td>K\u00e2r payl\u0131 kat\u0131l\u0131m finansman\u0131<\/td><\/tr><tr><td>T\u00fcrkiye Finans<\/td><td>K\u00e2r payl\u0131 kat\u0131l\u0131m finansman\u0131<\/td><\/tr><tr><td>Vak\u0131f Kat\u0131l\u0131m<\/td><td>Kat\u0131l\u0131m esasl\u0131 bireysel\/ticari finansman<\/td><\/tr><tr><td>Ziraat Kat\u0131l\u0131m<\/td><td>Kat\u0131l\u0131m esasl\u0131 bireysel\/ticari finansman<\/td><\/tr><tr><td>Emlak Kat\u0131l\u0131m<\/td><td>Kat\u0131l\u0131m esasl\u0131 finansman<\/td><\/tr><tr><td>D\u00fcnya Kat\u0131l\u0131m<\/td><td>Kat\u0131l\u0131m esasl\u0131 finansman<\/td><\/tr><tr><td>Hayat Finans<\/td><td>Dijital kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131<\/td><\/tr><tr><td>T.O.M. Kat\u0131l\u0131m Bankas\u0131<\/td><td>Dijital kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131<\/td><\/tr><tr><td>Adil Kat\u0131l\u0131m<\/td><td>G\u00fcncel genel s\u0131f\u0131r maliyetli teklif do\u011frulanmad\u0131<\/td><\/tr><tr><td>\u0130ktisat Kat\u0131l\u0131m<\/td><td>G\u00fcncel genel s\u0131f\u0131r maliyetli teklif do\u011frulanmad\u0131<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Albaraka T\u00fcrk Faizsiz Finansman<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Albaraka T\u00fcrk&#8217;\u00fcn duyurdu\u011fu belirli ama\u00e7lara y\u00f6nelik vade farks\u0131z finansman se\u00e7eneklerinde toplam tutar 150.000 TL&#8217;ye kadar \u00e7\u0131kabiliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu tutar\u0131n 50.000 TL&#8217;lik b\u00f6l\u00fcm\u00fc belirli \u015fartlarla umre finansman\u0131nda, 100.000 TL&#8217;lik b\u00f6l\u00fcm\u00fc ise sa\u011fl\u0131k ve e\u011fitim harcamalar\u0131n\u0131n kredi kart\u0131na vade farks\u0131z taksitlendirilmesinde kullan\u0131labiliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu imk\u00e2nlar genel ama\u00e7l\u0131 nakit ihtiya\u00e7 kredisi de\u011fildir. Ayr\u0131ca bankan\u0131n %1,99 k\u00e2r oran\u0131yla sundu\u011fu finansmanlar, s\u0131f\u0131r k\u00e2r payl\u0131 \u00fcr\u00fcnlerle kar\u0131\u015ft\u0131r\u0131lmamal\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Halkbank_Faizsiz_Esnaf_Kredisi_2026\"><\/span>Halkbank Faizsiz Esnaf Kredisi 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Halkbank, belirli \u015fartlar\u0131 kar\u015f\u0131layan kad\u0131n giri\u015fimcilere y\u00f6nelik s\u0131f\u0131r faizli esnaf kredisi se\u00e7enekleri sunuyor.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Ba\u015fvuru Grubu<\/th><th>Azami Kredi<\/th><\/tr><tr><td>KOSGEB onayl\u0131 projesi olan, 35 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f uygun giri\u015fimciler<\/td><td>300.000 TL<\/td><\/tr><tr><td>Ustal\u0131k belgesiyle ilgili meslek kolunda i\u015fletme kuran giri\u015fimciler<\/td><td>1.000.000 TL<\/td><\/tr><tr><td>Kaybolmaya y\u00fcz tutan mesleklerde uygun muafiyet belgesine sahip giri\u015fimciler<\/td><td>1.000.000 TL<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Bu krediler herkese a\u00e7\u0131k bireysel ihtiya\u00e7 kredisi olarak de\u011ferlendirilmemeli. Meslek, faaliyet, belge ve banka de\u011ferlendirme \u015fartlar\u0131 bulunuyor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yillara_Gore_Faizsiz_Kredi_Limitleri_2022%E2%80%932026\"><\/span>Y\u0131llara G\u00f6re Faizsiz Kredi Limitleri (2022\u20132026)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Faizsiz kredi kampanyalar\u0131n\u0131n son be\u015f y\u0131ldaki de\u011fi\u015fimini incelemek i\u00e7in Garanti BBVA&#8217;n\u0131n resm\u00ee ge\u00e7mi\u015f kampanya kay\u0131tlar\u0131 kullan\u0131labilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A\u015fa\u011f\u0131daki kar\u015f\u0131la\u015ft\u0131rma, her y\u0131l i\u00e7in belgelenmi\u015f \u00f6rnek kampanyalar\u0131 g\u00f6steriyor.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Y\u0131l<\/th><th>Faizsiz \u0130htiya\u00e7 Kredisi<\/th><th>Toplam Faizsiz Paket<\/th><th>\u00d6rnek D\u00f6nem<\/th><\/tr><tr><td>2022<\/td><td>5.000 TL<\/td><td>5.000 TL<\/td><td>Mart<\/td><\/tr><tr><td>2023<\/td><td>10.000 TL<\/td><td>25.000 TL<\/td><td>Kas\u0131m\u2013Aral\u0131k<\/td><\/tr><tr><td>2024<\/td><td>20.000 TL<\/td><td>45.000 TL<\/td><td>Ekim<\/td><\/tr><tr><td>2025<\/td><td>50.000 TL<\/td><td>75.000 TL<\/td><td>Ekim<\/td><\/tr><tr><td>2026<\/td><td>50.000 TL<\/td><td>100.000 TL<\/td><td>1\u201315 Ekim<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Garanti BBVA&#8217;n\u0131n ar\u015fivlenmi\u015f d\u00f6nemsel kampanyalar\u0131ndan haz\u0131rlanm\u0131\u015ft\u0131r. Tutarlar ilgili y\u0131llar\u0131n t\u00fcm bankalardaki en y\u00fcksek tutarlar\u0131 de\u011fil, ayn\u0131 bankan\u0131n farkl\u0131 d\u00f6nemlerde ilan etti\u011fi \u00f6rneklerdir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Garanti BBVA faizsiz paket limitinin y\u0131llara g\u00f6re de\u011fi\u015fimi<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ge\u00e7mi\u015f kampanya \u00f6rnekleri, nominal TL<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"752\" height=\"340\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2023\/11\/image-2.png\" alt=\"Y\u0131llara G\u00f6re Faizsiz Kredi Veren Bankalar\" class=\"wp-image-62335\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2023\/11\/image-2.png 752w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2023\/11\/image-2-358x162.png 358w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2023\/11\/image-2-730x330.png 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2023\/11\/image-2-350x158.png 350w\" sizes=\"(max-width: 752px) 100vw, 752px\" \/><figcaption class=\"wp-element-caption\">Y\u0131llara G\u00f6re Faizsiz Kredi Veren Bankalar<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">2022&#8217;de 5.000 TL d\u00fczeyindeki faizsiz kredi kampanyas\u0131, 2026&#8217;da kredi ve ek hesap birle\u015fimiyle 100.000 TL&#8217;lik toplam pakete ula\u015fm\u0131\u015f durumda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bununla birlikte tutarlardaki nominal y\u00fckseli\u015f do\u011frudan ayn\u0131 oranda al\u0131m g\u00fcc\u00fc art\u0131\u015f\u0131 anlam\u0131na gelmiyor. Enflasyon, kredi vadesi, masraflar ve t\u00fcketici fiyatlar\u0131 da de\u011ferlendirilmelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6te yandan 2023&#8217;te baz\u0131 kampanyalarda 12 aya kadar vade sunulurken, 2026&#8217;daki y\u00fcksek tutarl\u0131 kampanyalar genellikle 3 ayla s\u0131n\u0131rland\u0131r\u0131l\u0131yor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Faizsiz_Kredi_Geri_Odeme_Hesaplamasi\"><\/span>Faizsiz Kredi Geri \u00d6deme Hesaplamas\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Faiz oran\u0131 %0 oldu\u011funda, ek \u00fccret bulunmayan e\u015fit taksitli kredilerde ayl\u0131k \u00f6deme anaparan\u0131n taksit say\u0131s\u0131na b\u00f6l\u00fcnmesiyle hesaplan\u0131r.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Faizsiz Kredi<\/th><th>Vade<\/th><th>Ayl\u0131k \u00d6deme<\/th><\/tr><tr><td>10.000 TL<\/td><td>3 ay<\/td><td>3.333,33 TL<\/td><\/tr><tr><td>25.000 TL<\/td><td>3 ay<\/td><td>8.333,33 TL<\/td><\/tr><tr><td>50.000 TL<\/td><td>3 ay<\/td><td>16.666,67 TL<\/td><\/tr><tr><td>65.000 TL<\/td><td>4 ay<\/td><td>16.250 TL<\/td><\/tr><tr><td>100.000 TL<\/td><td>3 ay<\/td><td>33.333,33 TL<\/td><\/tr><tr><td>125.000 TL<\/td><td>3 ay<\/td><td>41.666,67 TL<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Bu tablo teorik anapara \u00f6demelerini g\u00f6sterir. Bankalar\u0131n tahsis \u00fccreti, sigorta primi veya \u00fcr\u00fcn bazl\u0131 ba\u015fka maliyetleri varsa toplam \u00f6deme de\u011fi\u015febilir. Kuru\u015f yuvarlamalar\u0131 son taksite yans\u0131yabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Faizsiz_Kredi_Gercekten_Masrafsiz_mi\"><\/span>Faizsiz Kredi Ger\u00e7ekten Masrafs\u0131z m\u0131?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Faizsiz kredi ile masrafs\u0131z kredi ayn\u0131 anlama gelmez. Bankalar s\u0131f\u0131r faiz uygulad\u0131klar\u0131 baz\u0131 ihtiya\u00e7 kredilerinde tahsis \u00fccreti veya hayat sigortas\u0131 primi talep edebilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rne\u011fin DenizBank&#8217;\u0131n 65.000 TL faizsiz ihtiya\u00e7 kredisi \u00f6rne\u011finde 325 TL tahsis \u00fccreti, QNB&#8217;nin 25.000 TL faizsiz kredi \u00f6rne\u011finde ise tahsis \u00fccreti ve sigorta primi bulunuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kredi kar\u015f\u0131la\u015ft\u0131rmas\u0131 yap\u0131l\u0131rken yaln\u0131zca ayl\u0131k faiz oran\u0131na de\u011fil, t\u00fcketicinin \u00fcstlenece\u011fi toplam maliyete de bak\u0131lmas\u0131 gerekiyor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Faizsiz_Kredi_Basvuru_Sartlari_Nelerdir\"><\/span>Faizsiz Kredi Ba\u015fvuru \u015eartlar\u0131 Nelerdir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar\u0131n ko\u015fullar\u0131 de\u011fi\u015fmekle birlikte, yeni m\u00fc\u015fteri kampanyalar\u0131nda \u00e7o\u011funlukla \u015fu kriterler uygulan\u0131yor:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Bankan\u0131n belirledi\u011fi kampanya d\u00f6neminde ilk kez m\u00fc\u015fteri olmak.<\/li>\n\n\n\n<li>Mobil uygulama \u00fczerinden kimlik do\u011frulama ve m\u00fc\u015fteri olma i\u015flemini tamamlamak.<\/li>\n\n\n\n<li>Bankan\u0131n kredi de\u011ferlendirmesinden olumlu sonu\u00e7 almak.<\/li>\n\n\n\n<li>Gerekiyorsa bireysel kredi kart\u0131 veya ek hesap ba\u015fvurusunda bulunmak.<\/li>\n\n\n\n<li>Belirlenen limit ve vade aral\u0131\u011f\u0131nda i\u015flem yapmak.<\/li>\n\n\n\n<li>Sigorta, otomatik \u00f6deme talimat\u0131 veya kart harcamas\u0131 gibi ek \u015fartlar\u0131 kar\u015f\u0131lamak.<\/li>\n\n\n\n<li>Kampanyan\u0131n ba\u015fvuru ve kulland\u0131r\u0131m s\u00fcrelerine uymak.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar talep edilen limitin tamam\u0131n\u0131 onaylamak zorunda de\u011fil. Ba\u015fvurunun reddedilmesi, daha d\u00fc\u015f\u00fck bir limit verilmesi veya kampanya ko\u015fullar\u0131n\u0131n de\u011fi\u015ftirilmesi m\u00fcmk\u00fcn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yeni_Musteriye_ve_Eski_Musteriye_Faizsiz_Kredi\"><\/span>Yeni M\u00fc\u015fteriye ve Eski M\u00fc\u015fteriye Faizsiz Kredi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Faizsiz kredi f\u0131rsatlar\u0131n\u0131n \u00f6nemli b\u00f6l\u00fcm\u00fc yeni m\u00fc\u015fteri kazan\u0131m\u0131na y\u00f6nelik. Ancak mevcut m\u00fc\u015fteriler de d\u00f6nemsel kredi kart\u0131, al\u0131\u015fveri\u015f taksitlendirmesi veya ki\u015fiye \u00f6zel ek hesap kampanyalar\u0131ndan yararlanabiliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mevcut m\u00fc\u015fteriler i\u00e7in tan\u0131mlanan teklifler her zaman bankalar\u0131n kamuya a\u00e7\u0131k kampanya sayfalar\u0131nda g\u00f6sterilmeyebiliyor. Dolay\u0131s\u0131yla bankan\u0131n mobil uygulamas\u0131ndaki ki\u015fiye \u00f6zel f\u0131rsatlar\u0131n ayr\u0131ca incelenmesi gerekiyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar, yeni m\u00fc\u015fterilere faizsiz kredi f\u0131rsatlar\u0131 sunarken emeklilere de maa\u015f ta\u015f\u0131ma kar\u015f\u0131l\u0131\u011f\u0131nda nakit promosyon verebiliyor. Banka de\u011fi\u015ftirmeyi d\u00fc\u015f\u00fcnen emekliler, <a href=\"https:\/\/www.karekod.org\/blog\/bankalarin-promosyon-miktarlari\/\">bankalar\u0131n promosyon miktarlar\u0131<\/a> kar\u015f\u0131la\u015ft\u0131rmas\u0131ndan g\u00fcncel nakit \u00f6deme ve ek kampanya ko\u015fullar\u0131n\u0131 \u00f6\u011frenebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Devlet_Destekli_Faizsiz_Evlilik_Kredisi_2026\"><\/span>Devlet Destekli Faizsiz Evlilik Kredisi 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar\u0131n yeni m\u00fc\u015fteri kampanyalar\u0131ndan farkl\u0131 olarak Aile ve Gen\u00e7lik Fonu kapsam\u0131nda evlenecek \u00e7iftlere faizsiz kredi sa\u011flan\u0131yor.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Ba\u015fvuru Ya\u015f Grubu<\/th><th>Faizsiz Kredi<\/th><th>Geri \u00d6deme<\/th><\/tr><tr><td>Her iki ki\u015fi de 18\u201325 ya\u015f aral\u0131\u011f\u0131nda<\/td><td>250.000 TL<\/td><td>48 ay, ilk 2 y\u0131l geri \u00f6demesiz<\/td><\/tr><tr><td>En az bir ki\u015fi 26\u201329 ya\u015f aral\u0131\u011f\u0131nda<\/td><td>200.000 TL<\/td><td>48 ay, ilk 2 y\u0131l geri \u00f6demesiz<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ba\u015fvuru i\u00e7in gelir, medeni durum ve program\u0131n di\u011fer \u015fartlar\u0131n\u0131n kar\u015f\u0131lanmas\u0131 gerekiyor. Bu destek, bankalar\u0131n herkese sundu\u011fu yeni m\u00fc\u015fteri kredilerinden ayr\u0131 bir kamu program\u0131.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"PTT_Faizsiz_Kredi_Veriyor_mu\"><\/span>PTT Faizsiz Kredi Veriyor mu?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PTT \u00fczerinden kredi ba\u015fvurusu yap\u0131labilse de bu durum kredinin faizsiz oldu\u011fu anlam\u0131na gelmiyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PTT&#8217;nin g\u00fcncel t\u00fcketici kredisi bilgilendirmesinde Aktif Bank arac\u0131l\u0131\u011f\u0131yla sunulan ve ayl\u0131k %3,89&#8217;dan ba\u015flayan faizli kredi se\u00e7enekleri yer al\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu nedenle PTT kredileri, do\u011frulanm\u0131\u015f s\u0131f\u0131r faizli yeni m\u00fc\u015fteri kampanyalar\u0131 listesine dahil edilmedi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Editor_Yorumu_2026da_Hangi_Bankanin_Faizsiz_Kredisi_Daha_Avantajli\"><\/span>Edit\u00f6r Yorumu: 2026&#8217;da Hangi Bankan\u0131n Faizsiz Kredisi Daha Avantajl\u0131?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">14 Ekim 2026 verileri, faizsiz kredi kar\u015f\u0131la\u015ft\u0131rmas\u0131nda yaln\u0131zca en y\u00fcksek ilan edilen limite bakman\u0131n yeterli olmad\u0131\u011f\u0131n\u0131 g\u00f6steriyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Akbank toplam paket limiti bak\u0131m\u0131ndan \u00f6ne \u00e7\u0131karken, DenizBank do\u011frudan ihtiya\u00e7 kredisi b\u00f6l\u00fcm\u00fcnde 65.000 TL&#8217;ye kadar finansman sunuyor. Garanti BBVA&#8217;n\u0131n 50.000 TL&#8217;lik ihtiya\u00e7 kredisi ve 50.000 TL&#8217;lik avans hesab\u0131, \u00fcr\u00fcnleri birlikte kullanabilen yeni m\u00fc\u015fteriler a\u00e7\u0131s\u0131ndan di\u011fer se\u00e7eneklerden biri.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Daha d\u00fc\u015f\u00fck tutarl\u0131 nakit ihtiya\u00e7lar\u0131nda Ziraat Bankas\u0131 ve CEPTETEB&#8217;in taksitli nakit avans kampanyalar\u0131 da kar\u015f\u0131la\u015ft\u0131r\u0131labilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En uygun se\u00e7enek; onaylanan tutar, toplam geri \u00f6deme maliyeti, vade ve kullan\u0131c\u0131n\u0131n ayl\u0131k \u00f6deme g\u00fcc\u00fcne g\u00f6re de\u011fi\u015fir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Faizsiz_Kredi_Veren_Bankalar_Hakkinda_Sikca_Sorulan_Sorular\"><\/span>Faizsiz Kredi Veren Bankalar Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">100.000 TL faizsiz kredi veren bankalar hangileri?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ekim 2026&#8217;da Garanti BBVA, QNB ve DenizBank toplam 100.000 TL&#8217;ye kadar s\u0131f\u0131r faizli finansman paketleri duyuruyor. Ancak tutar\u0131n tamam\u0131 tek bir ihtiya\u00e7 kredisi olarak verilmiyor. Paketlerde nakit avans ve ek hesap \u00fcr\u00fcnleri de bulunuyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">125.000 TL faizsiz kredi hangi bankada var?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Akbank, Ekim 2026 d\u00f6neminde belirli ko\u015fullarla 125.000 TL&#8217;ye varan s\u0131f\u0131r faizli nakit paketi sunuyor. Bunun 100.000 TL&#8217;ye kadar olan k\u0131sm\u0131 Taksitli Art\u0131 Para, 25.000 TL&#8217;lik k\u0131sm\u0131 ise taksitli avans olarak tan\u0131mlanabiliyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ziraat Bankas\u0131 100.000 TL faizsiz kredi veriyor mu?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">14 Ekim 2026 itibar\u0131yla Ziraat Bankas\u0131&#8217;n\u0131n t\u00fcm bireysel m\u00fc\u015fterilere y\u00f6nelik 100.000 TL faizsiz ihtiya\u00e7 kredisi verdi\u011fini do\u011frulayan genel bir kampanya bulunamad\u0131. Bankan\u0131n resm\u00ee sayfas\u0131nda 25.000 TL&#8217;ye kadar faizsiz taksitli nakit avans kampanyas\u0131 yer al\u0131yor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Faizsiz kredi i\u00e7in kredi notu ka\u00e7 olmal\u0131?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcm bankalar i\u00e7in ge\u00e7erli tek bir kredi notu alt s\u0131n\u0131r\u0131 bulunmuyor. DenizBank&#8217;\u0131n belirli kampanyas\u0131nda 65.000 TL azami kredi i\u00e7in 1850\u20131900 KKB puan\u0131 \u015fart\u0131 ilan edilmi\u015f durumda. Di\u011fer bankalar gelir ve risk de\u011ferlendirmelerine g\u00f6re farkl\u0131 sonu\u00e7lar verebiliyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Faizsiz kredi ba\u015fvurusu kredi notunu etkiler mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kredi ba\u015fvurular\u0131 ve kullan\u0131lan kredi \u00fcr\u00fcnleri ki\u015finin kredi ge\u00e7mi\u015finde de\u011ferlendirilebilir. \u00d6zellikle k\u0131sa s\u00fcre i\u00e7inde \u00e7ok say\u0131da kredi ba\u015fvurusu yapmak yerine, uygunluk ko\u015fullar\u0131n\u0131 \u00f6nceden kontrol etmek daha sa\u011fl\u0131kl\u0131 olabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Faizsiz kredi ile kat\u0131l\u0131m bankas\u0131 finansman\u0131 ayn\u0131 m\u0131?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. Geleneksel bankalar\u0131n d\u00f6nemsel %0 faizli kredileri ile kat\u0131l\u0131m bankalar\u0131n\u0131n k\u00e2r pay\u0131 esas\u0131na dayal\u0131 finansman y\u00f6ntemleri farkl\u0131d\u0131r. Kat\u0131l\u0131m bankalar\u0131nda da toplam geri \u00f6deme tutar\u0131, finansman t\u00fcr\u00fcne ve s\u00f6zle\u015fmeye ba\u011fl\u0131 olarak anaparadan y\u00fcksek olabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kaynaklar\"><\/span>Kaynaklar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>T\u00fcrkiye Kat\u0131l\u0131m Bankalar\u0131 Birli\u011fi \u2013 \u00dcye bankalar.<\/li>\n\n\n\n<li>T\u00fcrkiye Bankalar Birli\u011fi \u2013 Banka ve sekt\u00f6r bilgileri.<\/li>\n\n\n\n<li>Aile ve Sosyal Hizmetler Bakanl\u0131\u011f\u0131 \u2013 Faizsiz evlilik kredisi.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye&#8217;de faizsiz kredi veren bankalar, 14 Ekim 2026 itibar\u0131yla yeni m\u00fc\u015fterilere \u00f6zel s\u0131f\u0131r faizli ihtiya\u00e7 kredisi, taksitli nakit avans ve [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":62336,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3958],"tags":[],"class_list":["post-18891","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Faizsiz Kredi Veren Bankalar 2026 \u2013 Ekim G\u00fcncel Liste<\/title>\n<meta name=\"description\" content=\"Faizsiz kredi veren bankalar Ekim 2026 listesi! 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