{"id":14894,"date":"2025-09-20T10:09:00","date_gmt":"2025-09-20T07:09:00","guid":{"rendered":"https:\/\/www.paytr.com\/?p=14894"},"modified":"2025-09-15T15:36:09","modified_gmt":"2025-09-15T12:36:09","slug":"nakit-cekim-faizi-nedir","status":"publish","type":"post","link":"https:\/\/www.paytr.com\/en\/blog\/nakit-cekim-faizi-nedir","title":{"rendered":"Nakit \u00c7ekim Faizi Nedir?"},"content":{"rendered":"\n<p>Kredi kart\u0131 acil nakit ihtiya\u00e7lar\u0131 i\u00e7in bankalar\u0131n sundu\u011fu pratik \u00e7\u00f6z\u00fcm olan nakit avans imkan\u0131n\u0131 da beraberinde getirir. Fakat bu kolayl\u0131\u011f\u0131n g\u00f6r\u00fcnmeyen bir maliyeti vard\u0131r: nakit \u00e7ekim faizi. Kredi kart\u0131 harcamalar\u0131ndan farkl\u0131 olarak nakit \u00e7ekim i\u015flemleri i\u00e7in faiz, i\u015flem yap\u0131ld\u0131\u011f\u0131 andan itibaren i\u015flemeye ba\u015flar. Bankalar\u0131n belirledi\u011fi faiz oranlar\u0131 \u00fczerinden g\u00fcnl\u00fck olarak hesaplan\u0131r.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1408\" height=\"768\" data-src=\"https:\/\/www.paytr.com\/wp-content\/uploads\/Nakit-C\u0327ekim-Faizi-Nedir.webp\" alt=\"bankamatikten para \u00e7ekme i\u015flemi\" class=\"wp-image-14897 lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1408px; --smush-placeholder-aspect-ratio: 1408\/768;\" \/><figcaption class=\"wp-element-caption\">Nakit \u00c7ekim Faizi Nedir?<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nakit-cekim-faizi-nasil-hesaplanir\">Nakit \u00c7ekim Faizi Nas\u0131l Hesaplan\u0131r?<\/h2>\n\n\n\n<p>Nakit \u00e7ekim faizi, standart kredi kart\u0131 faizinden farkl\u0131 bir mant\u0131kla \u00e7al\u0131\u015f\u0131r, \u00e7o\u011fu zaman daha y\u00fcksek oranlara sahiptir. En \u00f6nemli fark, harcama faizlerinde uygulanan &#8220;faizsiz d\u00f6nem&#8221; uygulamas\u0131n\u0131n nakit \u00e7ekim faizinde ge\u00e7erli olmamas\u0131d\u0131r.<\/p>\n\n\n\n<p>Nakit \u00e7ekim faizi, paray\u0131 \u00e7ekti\u011finiz ilk andan itibaren ve borcun tamam\u0131 \u00f6denene kadar g\u00fcnl\u00fck olarak hesaplan\u0131r. Bor\u00e7 tutar\u0131n\u0131z \u00fczerinden uygulanan ayl\u0131k faiz oran\u0131, her g\u00fcn i\u00e7in yeniden hesaplanarak anaparaya eklenir. Faiz hesaplama form\u00fcl\u00fc basit\u00e7e \u015fu \u015fekildedir:<\/p>\n\n\n\n<p><strong>(\u00c7ekilen Nakit Tutar\u0131) x (G\u00fcnl\u00fck Faiz Oran\u0131) x (Bor\u00e7lu Kal\u0131nan G\u00fcn Say\u0131s\u0131)<\/strong><\/p>\n\n\n\n<p>Bu form\u00fclde yer alan g\u00fcnl\u00fck faiz oran\u0131, bankan\u0131n ilan etti\u011fi ayl\u0131k faiz oran\u0131n\u0131n 30&#8217;a b\u00f6l\u00fcnmesiyle bulunur. \u00d6rne\u011fin ayl\u0131k faiz oran\u0131 %X olan bankadan \u00e7ekti\u011finiz nakit i\u00e7in faiz, her g\u00fcn bor\u00e7 bakiyenize eklenir. Bu y\u00fczden borcu ne kadar erken kapat\u0131rsan\u0131z, \u00f6deyece\u011finiz toplam faiz o kadar d\u00fc\u015f\u00fck olur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nakit-cekim-faiz-oranlari-bankalara-gore\">Nakit \u00c7ekim Faiz Oranlar\u0131 Bankalara G\u00f6re<\/h2>\n\n\n\n<p>Nakit \u00e7ekim faiz oranlar\u0131, bankalar aras\u0131nda \u00f6nemli farkl\u0131l\u0131klar g\u00f6sterebilir. T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 taraf\u0131ndan belirlenen \u00fcst s\u0131n\u0131rlar dahilinde her banka, kendi ticari politikalar\u0131 do\u011frultusunda farkl\u0131 oranlar uygular. Bu durum bir bankada olduk\u00e7a avantajl\u0131 g\u00f6r\u00fcnen faiz oran\u0131n\u0131n, ba\u015fka bankada \u00e7ok daha y\u00fcksek maliyetle kar\u015f\u0131la\u015fman\u0131za neden olabilece\u011fi anlam\u0131na gelir. Dolay\u0131s\u0131yla nakit \u00e7ekim yapmadan \u00f6nce bankalar\u0131n faiz oranlar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rmak hayati \u00f6nem ta\u015f\u0131r. Aradaki farkl\u0131l\u0131\u011f\u0131n ba\u015fl\u0131ca nedenleri \u015funlard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Baz\u0131 bankalar sad\u0131k m\u00fc\u015fterilerine veya kredi notu y\u00fcksek olan kullan\u0131c\u0131lara daha d\u00fc\u015f\u00fck faiz oranlar\u0131 sunabilir. \u00d6te yandan yeni m\u00fc\u015fteri kazanmak amac\u0131yla belirli s\u00fcre i\u00e7in cazip faiz oranlar\u0131 i\u00e7eren kampanyalar d\u00fczenleyebilirler. Bankalar\u0131n sundu\u011fu faiz oranlar\u0131, temelde kendi belirledikleri risk-getiri dengesine dayan\u0131r.<\/li>\n\n\n\n<li>Bankalar\u0131n uygulad\u0131\u011f\u0131 nakit \u00e7ekim faiz oranlar\u0131, do\u011frudan Merkez Bankas\u0131&#8217;n\u0131n belirledi\u011fi politika faizlerine ba\u011fl\u0131d\u0131r. Politika faizleri y\u00fckseldik\u00e7e, kredi kart\u0131 nakit \u00e7ekim faiz oranlar\u0131 da genellikle art\u0131\u015f g\u00f6sterir.<\/li>\n<\/ul>\n\n\n\n<p>Her banka, faiz oranlar\u0131n\u0131 kendi resmi web sitesinde, mobil uygulamas\u0131nda \u015feffaf \u015fekilde a\u00e7\u0131klar. Oranlar, ayl\u0131k ve y\u0131ll\u0131k olmak \u00fczere iki farkl\u0131 \u015fekilde ilan edilir. Nakit \u00e7ekim yapaca\u011f\u0131n\u0131z miktara g\u00f6re \u00f6deyece\u011finiz toplam faiz maliyetini do\u011fru hesaplamak i\u00e7in, bankan\u0131z\u0131n g\u00fcncel oranlar\u0131n\u0131 kontrol etmelisiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nakit-cekim-faizinden-kacinma-yontemleri\">Nakit \u00c7ekim Faizinden Ka\u00e7\u0131nma Y\u00f6ntemleri<\/h2>\n\n\n\n<p>Kredi kart\u0131 nakit \u00e7ekim faizi \u00f6zellikle acil durumlar i\u00e7in kurtar\u0131c\u0131 olsa da, maliyetini en aza indirmek m\u00fcmk\u00fcnd\u00fcr. Do\u011fru ad\u0131mlar\u0131 izleyerek, faizin b\u00fct\u00e7eniz \u00fczerindeki olumsuz etkisini ciddi \u015fekilde azaltabilirsiniz. Belirli d\u00f6nemlerde veya belirli m\u00fc\u015fteri segmentleri i\u00e7in &#8220;faizsiz nakit \u00e7ekim&#8221; veya &#8220;taksitli nakit \u00e7ekim&#8221; kampanyalar\u0131 d\u00fczenleyebilir. Kampanyalar genellikle s\u0131n\u0131rl\u0131 tutar ve vade i\u00e7in ge\u00e7erlidir. Faizsiz nakit \u00e7ekim se\u00e7ene\u011fi, acil nakit ihtiyac\u0131n\u0131 faiz \u00f6demeden kar\u015f\u0131lamak i\u00e7in b\u00fcy\u00fck avantaj sunar. Fakat kampanyalar\u0131n ko\u015fullar\u0131n\u0131 iyi anlamak gerekir, aksi halde kampanya bitiminde y\u00fcksek faizle kar\u015f\u0131la\u015fmak m\u00fcmk\u00fcnd\u00fcr.<\/p>\n\n\n\n<p>Nakit \u00e7ekim faizinin g\u00fcnl\u00fck olarak i\u015fledi\u011fini unutmamal\u0131s\u0131n\u0131z. Bor\u00e7lu kald\u0131\u011f\u0131n\u0131z her g\u00fcn, anaparan\u0131za yeni faiz eklenir. Bu nedenle \u00e7ekti\u011finiz nakdi m\u00fcmk\u00fcn olan en k\u0131sa s\u00fcrede, ideal olarak bir veya iki g\u00fcn i\u00e7inde tamamen \u00f6demek, \u00f6deyece\u011finiz toplam faiz miktar\u0131n\u0131 minimuma indirir. Bu da faizin bile\u015fik etki g\u00f6stermesinin \u00f6n\u00fcne ge\u00e7er.<\/p>\n\n\n\n<p>E\u011fer faizsiz kampanya bulam\u0131yorsan\u0131z, ihtiya\u00e7 kredisi gibi alternatifleri g\u00f6zden ge\u00e7irebilirsiniz. K\u0131sa vadeli ihtiya\u00e7 kredilerinin faiz oranlar\u0131, <a href=\"https:\/\/www.paytr.com\/blog\/kredi-kartindan-para-cekme-nedir-nasil-yapilir\">kredi kart\u0131 nakit \u00e7ekim<\/a> faizinden d\u00fc\u015f\u00fck olabilir. Benzer \u015fekilde kredi notunuz, bankalar\u0131n size sundu\u011fu faiz oranlar\u0131n\u0131 ve limitleri do\u011frudan etkiler. D\u00fczenli \u00f6deme al\u0131\u015fkanl\u0131klar\u0131 ile notunuz y\u00fcksek tutmak, gelecekte uygun faiz oranlar\u0131ndan yararlanman\u0131z\u0131 sa\u011flayabilir.<\/p>\n\n\n\n<p>Kredi kart\u0131n\u0131z\u0131n nakit \u00e7ekim limiti, kredi limitinizin d\u00fc\u015f\u00fck bir dilimidir. Bu limiti bilmek ve nakit \u00e7ekimi sadece ger\u00e7ekten acil durum oldu\u011funda kullanmak, gereksiz bor\u00e7lanman\u0131n \u00f6n\u00fcne ge\u00e7er. Nakit \u00e7ekimi son \u00e7are olarak d\u00fc\u015f\u00fcnmek, y\u00fcksek faiz y\u00fck\u00fcnden korunman\u0131n en temel kural\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nakit-cekim-faizinin-kredi-puanina-etkisi\">Nakit \u00c7ekim Faizinin Kredi Puan\u0131na Etkisi<\/h2>\n\n\n\n<p>Nakit \u00e7ekim i\u015flemi, tek ba\u015f\u0131na kredi puan\u0131n\u0131z\u0131 do\u011frudan d\u00fc\u015f\u00fcrmez; ancak do\u011fan borcu nas\u0131l y\u00f6netti\u011finiz kredi notunuz \u00fczerinde \u00f6nemli bir etkiye sahiptir. Nakit \u00e7ekimle olu\u015fan bor\u00e7, kredi kart\u0131n\u0131z\u0131n toplam limitine g\u00f6re bor\u00e7luluk oran\u0131n\u0131z\u0131 an\u0131nda art\u0131r\u0131r. Kredi de\u011ferlendirme sistemleri, kullan\u0131lan limitin toplam limite oran\u0131n\u0131 dikkate al\u0131r. Oran\u0131n bir anda y\u00fckselmesi, finansal risk g\u00f6stergesi olarak alg\u0131land\u0131\u011f\u0131 i\u00e7in kredi puan\u0131n\u0131z\u0131n d\u00fc\u015fmesine neden olabilir. \u00d6zellikle kredi limitinizin b\u00fcy\u00fck k\u0131sm\u0131n\u0131 nakit \u00e7ekimle kullanmak, bu etkiyi daha belirgin hale getirir.<\/p>\n\n\n\n<p>En b\u00fcy\u00fck risk ise, nakit \u00e7ekim borcunun zaman\u0131nda \u00f6denememesi durumunda ortaya \u00e7\u0131kar. D\u00fczenli \u00f6deme al\u0131\u015fkanl\u0131\u011f\u0131, kredi notunun en \u00f6nemli belirleyicisidir. Nakit \u00e7ekim borcunuzun faiziyle birlikte b\u00fcy\u00fcmesi ve \u00f6demelerin aksamas\u0131, gecikme bildirimlerinin kredi raporunuza yans\u0131mas\u0131na neden olur. Kredi puan\u0131n\u0131zda ciddi d\u00fc\u015f\u00fc\u015fe yol a\u00e7arak gelecekteki finansal \u00fcr\u00fcn ba\u015fvurular\u0131n\u0131z\u0131n olumsuz etkilenmesine sebep olabilir.<\/p>\n\n\n<section class=\"faq section-container\">\n\n    \n    <div class=\"faq-content-section\">\n        <div class=\"faq-tabs-container\">\n                                \n                    <div>\n                        <button\n                            onclick=\"openFaqTab(event, 's\u0131k\u00e7asorulansorular')\" \n                            class=\"faq-tab-links\"\n                            id=\"defaultOpenFaq\">\n                            S\u0131k\u00e7a Sorulan Sorular                        <\/button>\n\n                        <div id=\"s\u0131k\u00e7asorulansorular\" class=\"faq-tab-content\">\n                            \n                                                                \n                                    <div class=\"accordion-container\">\n                                        <div class=\"faq-accordion\">\n                                            <h3>\n                                                <button class=\"accordion-trigger\">\n                                                    Nakit \u00e7ekim faiz oranlar\u0131 nas\u0131l hesaplan\u0131r?                                                    <span><\/span>\n                                                <\/button>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"panel\">\n                                            <p>Nakit \u00e7ekim faizi, nakit avans\u0131 kulland\u0131\u011f\u0131n\u0131z andan itibaren i\u015flemeye ba\u015flar ve borcun tamam\u0131 \u00f6denene kadar g\u00fcnl\u00fck olarak hesaplan\u0131r. Bankan\u0131n ayl\u0131k faiz oran\u0131 30 g\u00fcne b\u00f6l\u00fcnerek g\u00fcnl\u00fck faiz oran\u0131 bulunur ve bu oran, bor\u00e7lu kal\u0131nan her g\u00fcn i\u00e7in anaparaya eklenir.<\/p>\n                                        <\/div>\n                                    <\/div>\n                                    \n                                                                    \n                                    <div class=\"accordion-container\">\n                                        <div class=\"faq-accordion\">\n                                            <h3>\n                                                <button class=\"accordion-trigger\">\n                                                    Nakit \u00e7ekim faizinden nas\u0131l ka\u00e7\u0131n\u0131l\u0131r?                                                    <span><\/span>\n                                                <\/button>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"panel\">\n                                            <p>Nakit \u00e7ekim faizinden ka\u00e7\u0131nman\u0131n en etkili yollar\u0131; bankalar\u0131n faizsiz nakit \u00e7ekim kampanyalar\u0131n\u0131 takip etmek ve borcu \u00e7ekilen paray\u0131 en k\u0131sa s\u00fcrede, tek seferde kapatmakt\u0131r. Alternatif olarak faiz oran\u0131 d\u00fc\u015f\u00fck olabilecek ihtiya\u00e7 kredilerini de\u011ferlendirebilirsiniz.<\/p>\n                                        <\/div>\n                                    <\/div>\n                                    \n                                                                    \n                                    <div class=\"accordion-container\">\n                                        <div class=\"faq-accordion\">\n                                            <h3>\n                                                <button class=\"accordion-trigger\">\n                                                    Nakit \u00e7ekim faizi kredi puan\u0131n\u0131 d\u00fc\u015f\u00fcr\u00fcr m\u00fc?                                                    <span><\/span>\n                                                <\/button>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"panel\">\n                                            <p>Nakit \u00e7ekim i\u015fleminin kendisi, kredi puan\u0131n\u0131 do\u011frudan d\u00fc\u015f\u00fcrmez. Ancak \u00e7ekti\u011finiz nakit tutar\u0131 bor\u00e7luluk oran\u0131n\u0131z\u0131 y\u00fckseltti\u011fi i\u00e7in puan\u0131n\u0131z\u0131 olumsuz etkileyebilir. En b\u00fcy\u00fck risk ise borcun zaman\u0131nda \u00f6denmemesi durumunda ortaya \u00e7\u0131kar; geciken \u00f6demeler kredi notunuzda ciddi bir d\u00fc\u015f\u00fc\u015fe neden olur.<\/p>\n                                        <\/div>\n                                    <\/div>\n                                    \n                                                                \n                                \n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n    <\/div>\n<\/section>\n\n<script>\n    document.addEventListener(\"DOMContentLoaded\", function() {\n        \n        const parentContainer = document.querySelector('.faq.section-container');\n        const contentWrapper = document.querySelector('.faq-content-section');\n        const headerSection = document.querySelector('.payment-channel-head');\n\n        \/\/ Y\u00fcksekli\u011fi hesaplayan ana fonksiyon\n        function updateHeight() {\n            if (!parentContainer || !contentWrapper) return;\n\n            \/\/ 1. 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Tab de\u011fi\u015ftirince tetikle\n            const tabLinks = document.querySelectorAll('.faq-tab-links');\n            tabLinks.forEach(tab => {\n                tab.addEventListener('click', () => {\n                    setTimeout(updateHeight, 50);\n                });\n            });\n            \n            \/\/ Sayfa ilk y\u00fcklendi\u011finde de bir kere \u00e7al\u0131\u015ft\u0131r\n            setTimeout(updateHeight, 500);\n        }\n    });\n<\/script>\n\n\n<script type=\"application\/ld+json\">\n    {\n        \"@context\": \"https:\/\/schema.org\",\n        \"@type\": \"FAQPage\",\n        \"mainEntity\": [\n             { \"@type\": \"Question\", \"name\": \"Nakit \u00e7ekim faiz oranlar\u0131 nas\u0131l hesaplan\u0131r?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Nakit \u00e7ekim faizi, nakit avans\u0131 kulland\u0131\u011f\u0131n\u0131z andan itibaren i\u015flemeye ba\u015flar ve borcun tamam\u0131 \u00f6denene kadar g\u00fcnl\u00fck olarak hesaplan\u0131r. 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Alternatif olarak faiz oran\u0131 d\u00fc\u015f\u00fck olabilecek ihtiya\u00e7 kredilerini de\u011ferlendirebilirsiniz.\" } } , { \"@type\": \"Question\", \"name\": \"Nakit \u00e7ekim faizi kredi puan\u0131n\u0131 d\u00fc\u015f\u00fcr\u00fcr m\u00fc?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Nakit \u00e7ekim i\u015fleminin kendisi, kredi puan\u0131n\u0131 do\u011frudan d\u00fc\u015f\u00fcrmez. Ancak \u00e7ekti\u011finiz nakit tutar\u0131 bor\u00e7luluk oran\u0131n\u0131z\u0131 y\u00fckseltti\u011fi i\u00e7in puan\u0131n\u0131z\u0131 olumsuz etkileyebilir. En b\u00fcy\u00fck risk ise borcun zaman\u0131nda \u00f6denmemesi durumunda ortaya \u00e7\u0131kar; geciken \u00f6demeler kredi notunuzda ciddi bir d\u00fc\u015f\u00fc\u015fe neden olur.\" } }         ]\n    }\n<\/script>\n\n\n<p><strong>Kaynaklar<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.tcmb.gov.tr\/wps\/wcm\/connect\/TR\/TCMB+TR\/Main+Menu\/Istatistikler\/Bankacilik+Verileri\/Kredi_Karti_Islemlerinde_Uygulanacak_Azami_Faiz_Oranlari\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">https:\/\/www.tcmb.gov.tr\/wps\/wcm\/connect\/TR\/TCMB+TR\/Main+Menu\/Istatistikler\/Bankacilik+Verileri\/Kredi_Karti_Islemlerinde_Uygulanacak_Azami_Faiz_Oranlari<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.mevzuat.gov.tr\/mevzuat?MevzuatNo=5464&amp;MevzuatTur=1&amp;MevzuatTertip=5\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">https:\/\/www.mevzuat.gov.tr\/mevzuat?MevzuatNo=5464&amp;MevzuatTur=1&amp;MevzuatTertip=5<\/a><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Kredi kart\u0131 acil nakit ihtiya\u00e7lar\u0131 i\u00e7in bankalar\u0131n sundu\u011fu pratik \u00e7\u00f6z\u00fcm olan nakit avans imkan\u0131n\u0131 da beraberinde getirir. Fakat bu kolayl\u0131\u011f\u0131n g\u00f6r\u00fcnmeyen bir maliyeti vard\u0131r: nakit \u00e7ekim faizi. Kredi kart\u0131 harcamalar\u0131ndan farkl\u0131 olarak nakit \u00e7ekim i\u015flemleri i\u00e7in faiz, i\u015flem yap\u0131ld\u0131\u011f\u0131 andan itibaren i\u015flemeye ba\u015flar. Bankalar\u0131n belirledi\u011fi faiz oranlar\u0131 \u00fczerinden g\u00fcnl\u00fck olarak hesaplan\u0131r. Nakit \u00c7ekim Faizi Nas\u0131l [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[],"class_list":["post-14894","post","type-post","status-publish","format-standard","hentry","category-ipuclari"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.3.1 (Yoast SEO v25.3.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nakit \u00c7ekim Faizi Nedir? | PayTR<\/title>\n<meta name=\"description\" content=\"Nakit \u00e7ekim faizinin nas\u0131l hesapland\u0131\u011f\u0131n\u0131, bankalara g\u00f6re oran farklar\u0131n\u0131 ve faizi en aza indirmenin yollar\u0131n\u0131 \u00f6\u011frenin. 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