{"id":3183,"date":"2025-01-07T20:57:48","date_gmt":"2025-01-07T17:57:48","guid":{"rendered":"https:\/\/evdebakimparasimaasi.com\/blog\/?p=3183"},"modified":"2025-01-07T20:58:18","modified_gmt":"2025-01-07T17:58:18","slug":"ptt-engelli-kredisi-nasil-cekilir","status":"publish","type":"post","link":"https:\/\/evdebakimparasimaasi.com\/blog\/ptt-engelli-kredisi-nasil-cekilir\/","title":{"rendered":"PTT Engelli Kredisi Nas\u0131l \u00c7ekilir? PTT Engelli Kredisi 2025"},"content":{"rendered":"<p>Engelli bireylerin ekonomik hayatta daha etkin rol alabilmesi i\u00e7in <strong>PTT engelli kredisi<\/strong> \u00f6nemli bir finansal destek sunar. Bu kredi t\u00fcr\u00fc, PTT ile anla\u015fmal\u0131 bankalar \u00fczerinden sa\u011flanarak, engelli vatanda\u015flar\u0131n ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lamalar\u0131na veya i\u015f kurmalar\u0131na imkan tan\u0131r. <strong>Engelli kredisi<\/strong> yaln\u0131zca engelli maa\u015f\u0131 alan ve belirli \u015fartlar\u0131 kar\u015f\u0131layan bireylere y\u00f6neliktir.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0130\u00e7indekiler<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u0130\u00e7indekiler Tablosunu A\u00e7\/Kapat\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<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:\/\/evdebakimparasimaasi.com\/blog\/ptt-engelli-kredisi-nasil-cekilir\/#PTT_Engelli_Kredisi_Veren_Bankalar\" >PTT Engelli Kredisi Veren Bankalar<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/evdebakimparasimaasi.com\/blog\/ptt-engelli-kredisi-nasil-cekilir\/#PTT_Engelli_Kredisi_Nasil_Alinir\" >PTT Engelli Kredisi Nas\u0131l Al\u0131n\u0131r?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/evdebakimparasimaasi.com\/blog\/ptt-engelli-kredisi-nasil-cekilir\/#PTT_Engelli_Kredisi_2025_ve_Sartlari\" >PTT Engelli Kredisi 2025 ve \u015eartlar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/evdebakimparasimaasi.com\/blog\/ptt-engelli-kredisi-nasil-cekilir\/#PTT_Engelli_Kredisi_Avantajlari\" >PTT Engelli Kredisi Avantajlar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/evdebakimparasimaasi.com\/blog\/ptt-engelli-kredisi-nasil-cekilir\/#Basvuru_Sureci_ve_Sonuc_Takibi\" >Ba\u015fvuru S\u00fcreci ve Sonu\u00e7 Takibi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/evdebakimparasimaasi.com\/blog\/ptt-engelli-kredisi-nasil-cekilir\/#PTT_Engelli_Kredisinin_Limitleri_ve_Odeme_Plani\" >PTT Engelli Kredisinin Limitleri ve \u00d6deme Plan\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/evdebakimparasimaasi.com\/blog\/ptt-engelli-kredisi-nasil-cekilir\/#PTT_Engelli_Kredisi_Odeme_Tablosu\" >PTT Engelli Kredisi \u00d6deme Tablosu<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"PTT_Engelli_Kredisi_Veren_Bankalar\"><\/span>PTT Engelli Kredisi Veren Bankalar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PTT\u2019nin sundu\u011fu bu \u00f6zel kredi program\u0131, belirli bankalarla yap\u0131lan anla\u015fmalarla ger\u00e7ekle\u015ftirilir. PTT arac\u0131l\u0131\u011f\u0131yla <strong>PTT engelli kredisi ba\u015fvurusu<\/strong> yap\u0131labilecek bankalar \u015funlard\u0131r:<\/p>\n<ul>\n<li>ING Bank<\/li>\n<li>T\u00fcrk Ekonomi Bankas\u0131 (TEB)<\/li>\n<li>Denizbank<\/li>\n<li>Aktif Bank<\/li>\n<li>Burgan Bank<\/li>\n<\/ul>\n<p>Bu bankalar\u0131n d\u0131\u015f\u0131nda PTT engelli kredisine ba\u015fvuru yap\u0131lamaz. Krediden yararlanmak isteyen t\u00fcm bireyler e\u015fit \u015fartlarda de\u011ferlendirilir.<\/p>\n<figure id=\"attachment_3184\" aria-describedby=\"caption-attachment-3184\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-3184\" src=\"https:\/\/evdebakimparasimaasi.com\/blog\/wp-content\/uploads\/2025\/01\/PTT-Engelli-Kredisi4.jpg\" alt=\"PTT Engelli Kredisi\" width=\"800\" height=\"533\" \/><figcaption id=\"caption-attachment-3184\" class=\"wp-caption-text\">PTT Engelli Kredisi<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"PTT_Engelli_Kredisi_Nasil_Alinir\"><\/span>PTT Engelli Kredisi Nas\u0131l Al\u0131n\u0131r?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PTT <a href=\"https:\/\/evdebakimparasimaasi.com\/blog\/2025-engelli-raporu-hesaplama-nasil-yapilir\/\">engelli<\/a> kredisi nas\u0131l al\u0131n\u0131r sorusunun yan\u0131t\u0131, \u00f6ncelikle ba\u015fvuru \u015fartlar\u0131n\u0131n ve gerekli belgelerin tamamlanmas\u0131na dayan\u0131r. Ba\u015fvuru s\u00fcrecinin detaylar\u0131 \u015fu \u015fekilde \u00f6zetlenebilir:<\/p>\n<ol>\n<li><strong>Ba\u015fvuru \u015eartlar\u0131<\/strong>\n<ul>\n<li>Engelli sa\u011fl\u0131k kurulu raporu olan ki\u015filer krediye ba\u015fvuru yapabilir. Raporun ge\u00e7erlilik s\u00fcresi g\u00fcncel olmal\u0131d\u0131r.<\/li>\n<li>Krediye ba\u015fvuran birey, 18 ya\u015f\u0131n\u0131 doldurmu\u015f ve 85 ya\u015f\u0131n\u0131 a\u015fmam\u0131\u015f olmal\u0131d\u0131r.<\/li>\n<li>Engelli bireyin kredi notunun uygun seviyede olmas\u0131 \u015fartt\u0131r.<\/li>\n<li>Maa\u015f\u0131n\u0131 PTT \u00fczerinden alan ki\u015filer bu krediye ba\u015fvurabilir.<\/li>\n<li>Ayl\u0131k taksit tutar\u0131, engelli maa\u015f\u0131n\u0131n %50\u2019sini ge\u00e7emez.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Gerekli Belgeler<\/strong>\n<ul>\n<li>T.C. kimlik belgesi veya ehliyet fotokopisi<\/li>\n<li>Engelli sa\u011fl\u0131k kurulu raporu<\/li>\n<li>Engelli maa\u015f\u0131 ald\u0131\u011f\u0131n\u0131 g\u00f6steren belge<\/li>\n<li>Ba\u015fvuru dilek\u00e7esi<\/li>\n<li>Ek gelir varsa buna dair belgeler<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>Ba\u015fvuru belgelerinin PTT \u015fubelerine teslim edilmesiyle s\u00fcre\u00e7 ba\u015flat\u0131l\u0131r. Ba\u015fvurunun ard\u0131ndan belgeler incelenerek bireylerin kredi al\u0131p alamayaca\u011f\u0131na karar verilir.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"PTT_Engelli_Kredisi_2025_ve_Sartlari\"><\/span>PTT Engelli Kredisi 2025 ve \u015eartlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>2025 y\u0131l\u0131 itibar\u0131yla <strong>PTT engelli kredisi<\/strong> \u015fartlar\u0131nda baz\u0131 d\u00fczenlemeler yap\u0131labilir. Fakat genel hatlar\u0131 ile de\u011ferlendirildi\u011finde ba\u015fvuru \u015fartlar\u0131 \u015fu \u015fekildedir;<\/p>\n<ul>\n<li>Ba\u015fvuran ki\u015finin engelli maa\u015f\u0131 almas\u0131 temel \u015fartt\u0131r.<\/li>\n<li>Ba\u015fvuru yapan bireyin kredi notu kontrol edilir. Kara listede yer alan ki\u015filere kredi verilmez.<\/li>\n<li>Kredi ba\u015fvurusunda, teminat olarak ta\u015f\u0131nmaz m\u00fclk veya kefil g\u00f6sterilebilir.<\/li>\n<li>Kredi \u00fcst limiti 50.000 TL olup 36 aya kadar vade imkan\u0131 sunulur.<\/li>\n<li>Kredi de\u011ferlendirmesinde, ki\u015finin maa\u015f\u0131na ek olarak sahip oldu\u011fu gelirler de dikkate al\u0131n\u0131r.<\/li>\n<\/ul>\n<figure id=\"attachment_3185\" aria-describedby=\"caption-attachment-3185\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><img decoding=\"async\" class=\"size-full wp-image-3185\" src=\"https:\/\/evdebakimparasimaasi.com\/blog\/wp-content\/uploads\/2025\/01\/PTT-Engelli-Kredisi3.jpg\" alt=\"PTT Engelli Kredisi\" width=\"1200\" height=\"799\" \/><figcaption id=\"caption-attachment-3185\" class=\"wp-caption-text\">PTT Engelli Kredisi<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"PTT_Engelli_Kredisi_Avantajlari\"><\/span>PTT Engelli Kredisi Avantajlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PTT engelli kredisi di\u011fer bankalar\u0131n engelli kredilerine k\u0131yasla belirgin avantajlara sahiptir:<\/p>\n<ul>\n<li>Ya\u015f s\u0131n\u0131r\u0131 85 olup di\u011fer bankalar\u0131n \u00e7o\u011fu 65 ya\u015f ile s\u0131n\u0131rl\u0131d\u0131r.<\/li>\n<li>Sadece engelli maa\u015f\u0131n\u0131 dayanak g\u00f6stererek kredi al\u0131nabilir.<\/li>\n<li>\u00d6deme plan\u0131 ki\u015fiye \u00f6zel olarak d\u00fczenlenir ve esnek ko\u015fullar sunar.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Basvuru_Sureci_ve_Sonuc_Takibi\"><\/span>Ba\u015fvuru S\u00fcreci ve Sonu\u00e7 Takibi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/www.ptt.gov.tr\/\" rel=\"nofollow noopener\" target=\"_blank\">PTT<\/a> engelli kredisi ba\u015fvurusu sonras\u0131 sonu\u00e7lar PTT internet bankac\u0131l\u0131\u011f\u0131 \u00fczerinden takip edilebilir. Ba\u015fvuru durumunu \u00f6\u011frenmek isteyen bireyler, PTT\u2019nin resmi web sitesine giri\u015f yaparak gerekli bilgileri g\u00f6rebilir. Ayr\u0131ca telefon bankac\u0131l\u0131\u011f\u0131 veya PTT \u015fubeleri arac\u0131l\u0131\u011f\u0131yla da ba\u015fvuru durumuna dair bilgi al\u0131nabilir.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"PTT_Engelli_Kredisinin_Limitleri_ve_Odeme_Plani\"><\/span>PTT Engelli Kredisinin Limitleri ve \u00d6deme Plan\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Engelli maa\u015f\u0131 miktar\u0131na ba\u011fl\u0131 olarak kredi limitleri belirlenir. \u00d6deme plan\u0131 olu\u015fturulurken maa\u015f\u0131n yar\u0131s\u0131n\u0131 ge\u00e7meyen taksitler d\u00fczenlenir. Ayr\u0131ca teminat g\u00f6sterilmesi gereken durumlarda, ev ya da ara\u00e7 gibi varl\u0131klar dikkate al\u0131n\u0131r.<\/p>\n<figure id=\"attachment_3186\" aria-describedby=\"caption-attachment-3186\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><img decoding=\"async\" class=\"size-full wp-image-3186\" src=\"https:\/\/evdebakimparasimaasi.com\/blog\/wp-content\/uploads\/2025\/01\/PTT-Engelli-Kredisi2.jpg\" alt=\"PTT Engelli Kredisi\" width=\"1200\" height=\"627\" \/><figcaption id=\"caption-attachment-3186\" class=\"wp-caption-text\">PTT Engelli Kredisi<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"PTT_Engelli_Kredisi_Odeme_Tablosu\"><\/span>PTT Engelli Kredisi \u00d6deme Tablosu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Engelli bireylerin ya\u015fam standartlar\u0131n\u0131 y\u00fckseltmeyi ama\u00e7layan <strong>PTT engelli kredisi 2025<\/strong> sundu\u011fu avantajl\u0131 ko\u015fullarla dikkat \u00e7eker. Ba\u015fvuru s\u00fcrecinde gerekli \u015fartlar\u0131 yerine getiren ki\u015filer, bu kredi sayesinde finansal ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131layabilir veya hayallerindeki i\u015f giri\u015fimlerini ba\u015flatabilir. PTT ve anla\u015fmal\u0131 bankalar arac\u0131l\u0131\u011f\u0131yla sunulan bu hizmet, engelli vatanda\u015flar\u0131n ekonomik ya\u015fama daha aktif kat\u0131lmalar\u0131n\u0131 desteklemektedir.<\/p>\n<p>\u00c7ekilecek tutara ve o anki faiz oranlar\u0131na g\u00f6re geri \u00f6deme oranlar\u0131 de\u011fi\u015fiklik g\u00f6sterebilmektedir. Bununla birlikte ise farkl\u0131 tutarlar i\u00e7in PTT engelli kredisi \u00f6rnek \u00f6deme tablosu ise \u015fu \u015fekildedir;<\/p>\n<table width=\"618\">\n<thead>\n<tr>\n<td><strong>Kredi Tutar\u0131<\/strong><\/td>\n<td><strong>\u200b\u200bVade \u200b\u200b(Ay)<\/strong><\/td>\n<td><strong>Faiz Oran\u0131<\/strong><\/td>\n<td><strong>Taksit Tutar\u0131<\/strong><\/td>\n<td><strong>Kredi Tahsis \u00dccreti<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>10.000\u00a0TL<\/strong><\/td>\n<td>36<\/td>\n<td>%6,89<\/td>\n<td>938,48 TL<\/td>\n<td>57,5\u00a0TL\u200b\u200b<\/td>\n<\/tr>\n<tr>\n<td><strong>15.000 TL<\/strong><\/td>\n<td>36<\/td>\n<td>%6,89<\/td>\n<td>1.407,72 TL<\/td>\n<td>86,25 TL<\/td>\n<\/tr>\n<tr>\n<td><strong>20.000\u00a0TL<\/strong><\/td>\n<td>36<\/td>\n<td>%6,89<\/td>\n<td>1.876,96\u00a0TL<\/td>\n<td>115\u00a0TL\u200b\u200b<\/td>\n<\/tr>\n<tr>\n<td><strong>25.000 TL<\/strong><\/td>\n<td>36<\/td>\n<td>%6,89<\/td>\n<td>2.346,20 TL<\/td>\n<td>143,75 TL<\/td>\n<\/tr>\n<tr>\n<td><strong>30.000 TL\u200b<\/strong><\/td>\n<td>36<\/td>\n<td>%6,89<\/td>\n<td>2.815,44 TL<\/td>\n<td>172,50\u00a0TL\u200b\u200b<\/td>\n<\/tr>\n<tr>\n<td><strong>40.000 TL\u200b<\/strong><\/td>\n<td>36<\/td>\n<td>%6,89<\/td>\n<td>3.753,92 TL<\/td>\n<td>230\u00a0TL\u200b\u200b<\/td>\n<\/tr>\n<tr>\n<td><strong>50.000 TL\u200b<\/strong><\/td>\n<td>36<\/td>\n<td>%6,89<\/td>\n<td>4.492,40 TL<\/td>\n<td>287,50\u00a0TL\u200b\u200b<\/td>\n<\/tr>\n<tr>\n<td><strong>60.000 TL<\/strong><\/td>\n<td>24<\/td>\n<td>%6,89<\/td>\n<td>6.160,30 TL<\/td>\n<td>345 TL<\/td>\n<\/tr>\n<tr>\n<td><strong>70.000 TL<\/strong><\/td>\n<td>24<\/td>\n<td>%6,89<\/td>\n<td>7.187,02 TL<\/td>\n<td>402,50 TL<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Engelli bireylerin ekonomik hayatta daha etkin rol alabilmesi i\u00e7in PTT engelli kredisi \u00f6nemli bir finansal destek sunar. Bu kredi t\u00fcr\u00fc, PTT ile anla\u015fmal\u0131 bankalar \u00fczerinden&#46;&#46;&#46;<\/p>\n","protected":false},"author":2,"featured_media":3187,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3183","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bilgi"],"_links":{"self":[{"href":"https:\/\/evdebakimparasimaasi.com\/blog\/wp-json\/wp\/v2\/posts\/3183","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/evdebakimparasimaasi.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/evdebakimparasimaasi.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/evdebakimparasimaasi.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/evdebakimparasimaasi.com\/blog\/wp-json\/wp\/v2\/comments?post=3183"}],"version-history":[{"count":0,"href":"https:\/\/evdebakimparasimaasi.com\/blog\/wp-json\/wp\/v2\/posts\/3183\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/evdebakimparasimaasi.com\/blog\/wp-json\/wp\/v2\/media\/3187"}],"wp:attachment":[{"href":"https:\/\/evdebakimparasimaasi.com\/blog\/wp-json\/wp\/v2\/media?parent=3183"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/evdebakimparasimaasi.com\/blog\/wp-json\/wp\/v2\/categories?post=3183"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/evdebakimparasimaasi.com\/blog\/wp-json\/wp\/v2\/tags?post=3183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}