{"id":15128,"date":"2012-05-08T09:20:34","date_gmt":"2012-05-08T07:20:34","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=15128"},"modified":"2012-05-08T09:20:49","modified_gmt":"2012-05-08T07:20:49","slug":"para-lazim-mi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/para-lazim-mi\/","title":{"rendered":"Para Laz\u0131m m\u0131?"},"content":{"rendered":"<p>A\u00e7l\u0131k s\u0131n\u0131r\u0131n\u0131n 1042 TL oldu\u011fu \u00fclkemizde, ister esnaf olsun, ister i\u015fadam\u0131, isterse de \u00e7al\u0131\u015fan herkesin derdi nakit para ihtiyac\u0131. Ne tahsil\u00e2t yap\u0131labiliyor, ne de do\u011fru d\u00fczg\u00fcn maa\u015flar al\u0131nabiliyor. \u0130\u015fte b\u00f6ylesine bir ortamda 2001 y\u0131l\u0131n\u0131n \u2018Arjantin Fatihi\u2019 banka, yan\u0131na T\u00fcrk orta\u011f\u0131n\u0131 da alarak ata\u011fa kalkt\u0131.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4060552068\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Elbette bu yolda yaln\u0131z de\u011filler. Hemen hemen t\u00fcm bankalar\u0131n kredi da\u011f\u0131tmak ad\u0131na personellerine nas\u0131l bask\u0131 yapt\u0131klar\u0131, \u00e7al\u0131\u015fan haklar\u0131n\u0131 zorlayarak, hatta biraz da mobing say\u0131labilecek \u00f6l\u00e7\u00fcde bask\u0131 yapt\u0131\u011f\u0131n\u0131 biliyoruz. Yine an\u0131msayacaks\u0131n\u0131z, \u00e7al\u0131\u015fanlar konuyu gazete ilanlar\u0131 yoluyla kamuoyuna \u015fik\u00e2yet etmi\u015flerdi.<\/p>\n<p>K\u0131sa s\u00fcre \u00f6ncesine kadar caddelere, acil servislere, banka \u00f6nlerine kurduklar\u0131 bankolarla gelene ge\u00e7ene kart da\u011f\u0131tt\u0131lar. Daha sonra BDDK\u2019n\u0131n devreye girmesiyle bu uygulama yasakland\u0131. Peki ne yapt\u0131lar? Banka \u015fubelerine balkon a\u00e7\u0131p, sanki \u015fube dahilindeymi\u015f gibi bankolar\u0131 yerle\u015ftirip, pazarlamaya devam ettiler.<\/p>\n<p>Buradan istenen verimi alamam\u0131\u015f olacaklar ya da krizde bile elde ettikleri k\u00e2r yetmemi\u015f olacak ki, 80\u2019li y\u0131llar\u0131n pazarlamac\u0131lar\u0131n\u0131 and\u0131ran bir sistemle ofisleri dola\u015fmaya ba\u015flad\u0131lar. Ama \u015fimdi \u00fclke \u00e7itileyeme al\u0131\u015f\u0131k bankan\u0131n T\u00fcrkiye\u2019de yeni bir ata\u011fa kalkt\u0131\u011f\u0131 g\u00f6z\u00fck\u00fcyor.<\/p>\n<p>Ofisinizin kap\u0131s\u0131 \u00e7al\u0131n\u0131yor, iki personel geliyor ve derdini anlatmaya ba\u015fl\u0131yor. \u00d6ncelikle bu insanlar\u0131n \u00fczerindeki bask\u0131n\u0131n has\u0131ralt\u0131 edilmemesi gerekti\u011finin kal\u0131n harflerle bir kez daha alt\u0131n\u0131 \u00e7izeyim. Gelelim teklife\u2026<\/p>\n<p>Uluslararas\u0131 g\u00fc\u00e7teki banka ile yerel bankan\u0131n ortakl\u0131\u011f\u0131n\u0131n alt\u0131n\u0131 \u00e7izerek, \u00f6nce m\u00fc\u015fteride d\u00fcnya vatanda\u015f\u0131 olma hevesini uyand\u0131r\u0131yorlar. Ard\u0131ndan yeni bir kredi kart\u0131 olu\u015fturuldu\u011funu s\u00f6yl\u00fcyorlar. Pazarlama a\u015famas\u0131nda alt\u0131 \u00e7izilen net bir nokta var. \u201cKredi kart\u0131 aidat\u0131 yok.\u201d Varan 1: Hukuk zaten bu aidatlar\u0131n al\u0131namayaca\u011f\u0131n\u0131, hatta geriye d\u00f6n\u00fck 10 y\u0131ll\u0131k iade yap\u0131lmas\u0131n\u0131 h\u00fckmetmedi mi?<\/p>\n<p>Pazarlama devam ediyor. Bu kart limitinizin \u00e7ok \u00f6tesinde\u2026 Yani ayn\u0131 bankaya ait kredi kart\u0131n\u0131z\u0131n limiti 20 bin TL ise, size 20 bin TL ile 50 bin TL aras\u0131nda sorgusuz sualsiz kredi kullanabilme olana\u011f\u0131 veriyorlar. Faiz? Burada bir avantaj sunulmu\u015f, bireysel kredi faiz oranlar\u0131 ge\u00e7erli. Yani kredi kart\u0131 faizi uygulam\u0131yorlar.<\/p>\n<p>Varan 2: E\u011fer kap\u0131 kap\u0131 dola\u015f\u0131p, esnafa da bunu da\u011f\u0131t\u0131yorlarsa, kredi kullanamayan esnaf\u0131n, bu kolay kredi i\u00e7in \u00fcr\u00fcne bal\u0131klama atlamas\u0131 ka\u00e7\u0131n\u0131lmaz. Bu da daha ge\u00e7mi\u015ftekini halletmeden, insanlar\u0131n yeni bir bor\u00e7 bata\u011f\u0131na s\u00fcr\u00fcklenece\u011fine dair ciddi emare ta\u015f\u0131yor.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-142846357\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"3167340272\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Nas\u0131l ula\u015facaks\u0131n\u0131z bu karta? Hemen bir form dolduruluyor, n\u00fcfus c\u00fczdan\u0131n\u0131z\u0131n fotokopisi al\u0131n\u0131yor, TC kimlik numaran\u0131zdan sorgulama yap\u0131l\u0131yor ve elbette durumunuz bat\u0131k de\u011filse \u2018tamamd\u0131r\u2019 onay\u0131 geliyor. Krediniz haz\u0131r, g\u00fcle g\u00fcle kullan\u0131n\u2026<\/p>\n<p>Varan 3: Benim gelir\/gider dengem sadece bankadan ibaret midir? Yani piyasaya, sa\u011fa sola borcum olma ihtimali nedir? Bu paray\u0131 \u00f6deyebilecek miyim? Hi\u00e7 \u00f6nemi yok. Yeter ki bu \u00e7aresizlik i\u00e7inde kullan.<\/p>\n<p>Bunun en g\u00fczel kan\u0131t\u0131 da kredi borcu olan ve emekli olan bir vatanda\u015fa, 1000 TL limitle, ki bu oran kendi talebi, kredi kart\u0131n\u0131 veriyor. Oysa insan\u0131n \u00f6deme g\u00fc\u00e7l\u00fc\u011f\u00fc i\u00e7inde oldu\u011fu, maa\u015f\u0131n\u0131 zaman\u0131nda alamad\u0131\u011f\u0131 banka hari\u00e7 herkes taraf\u0131ndan biliniyor.<\/p>\n<p>Peki bir finans kurulu\u015fu, neden bu denli hesaps\u0131z kitaps\u0131z kredi da\u011f\u0131t\u0131r? \u0130\u015f yapmak i\u00e7in ba\u015fvurursan\u0131z alamazs\u0131n\u0131z. Fakat koyun bu kredi kart\u0131n\u0131 cebinize bireysel kredi faiz oranlar\u0131ndan taksitli kredi kullan\u0131n. Ama neden?<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3361046329\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"1818807385\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Bunun yan\u0131t\u0131n\u0131 2001 Arjantin krizinde bulacaks\u0131n\u0131z. Hem de ayn\u0131 bankan\u0131n akt\u00f6r oldu\u011funu g\u00f6rerek. Ekonomi y\u00f6netimi, BDDK uyumay\u0131n. T\u00fcrkiye\u2019de birileri b\u00fcy\u00fck soyguna, hortuma haz\u0131rlan\u0131yor. Bo\u015f yere kimse kimseye para da\u011f\u0131tmaz. Hele ki banka ise hi\u00e7 vermez. Kibrinizi bir kenara koyup, hayallerinizle \u00f6v\u00fcnmeyi b\u0131rak\u0131p, ger\u00e7eklerle y\u00fczle\u015fseniz iyi olacak. Yoksa iki g\u00fcn sora \u2018b\u00fcy\u00fck sorun\u2019 diyerek ve birilerini su\u00e7layarak ortaya \u00e7\u0131kmay\u0131n.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A\u00e7l\u0131k s\u0131n\u0131r\u0131n\u0131n 1042 TL oldu\u011fu \u00fclkemizde, ister esnaf olsun, ister i\u015fadam\u0131, isterse de \u00e7al\u0131\u015fan herkesin derdi nakit para ihtiyac\u0131. Ne tahsil\u00e2t yap\u0131labiliyor, ne de do\u011fru&hellip;<\/p>\n","protected":false},"author":5,"featured_media":14653,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-15128","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/15128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=15128"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/15128\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/14653"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=15128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=15128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=15128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}