The 3-Month Postponed Loan, which is a type of loan that is intended for people who will enter the investment after withdrawing the loan and those who will receive the return on investment a few months later, has taken many people to research.
The special feature of these loans is that they are repayable loans after 3 months and deferred loans for 3 months. In the following sections of this article, we will investigate whether banks that provide postponed loans and whether they provide postponed housing loans, postponed consumer loans or postponed vehicle loans.
Today, the majority of individuals who want to apply for loans by applying to banks make their loan payments on a monthly basis. However, some customers do not want to pay for their loans immediately and want to start loan payments after a few months . For this reason, banks also make 3-month postponement of loan payments in order to provide better service to their customers.
Banks’ credit payments are started after 3 months, which means that individuals will start to pay the loan after 3 months. Moreover, this advantage can be applied to all loans. The loan payments can be made after 3 months by taking advantage of the 3-month deferral feature for different loans such as both general purpose loans, housing loans and vehicle loans.
After 3 months, which can be named as delayed loan, the payment starts after 3 months after withdrawing the loan. Banks have prepared these loans for people who invest or expect money from a place. The first installment payment date is 3 months after the withdrawal of the loan.
Banks that provide credit with a 3-month deferment will not look for an extra requirement from their customers. All of the features required by customers in normal loan applications are also valid for loans with 3 months postponement. A credit rating (see What is a credit rating?) Is one of the features that banks are seeking for loans that are postponed for 3 months as in other loans.
All individuals with a low credit rating and below the criterion required by banks cannot withdraw 3-month postponed consumer loans from banks. However, people with a high credit score can easily withdraw their loans and make payments of their loans with a 3-month postponement. In addition, a certificate of income is required from people who want to take credit.
Generally, there is no change in the documents requested by the banks for the 3-month deferred loan, which is started to be paid after 3 months from the customers. The required documents according to the type of loan to be withdrawn are also valid for the loans with 3 months deferred.
However, if we need to mention in general, the first documents that banks look for for a 3-month deferred loan are the identity cards of the individuals, which are the identity cards. Without a birth certificate, many banks do not initiate credit transactions.
Apart from this, the other required documents are the documents showing the income level of the people who want to take out loans. In addition, as mentioned above, the credit ratings of the individuals must be above the desired level.
It sounds like a great idea to pull a loan and start paying in 3 months. The banks that realize this idea give different maturity and interest rates. Some banks up to 4 months of the first installment payment period delights those who want to withdraw credit.
When it comes to 3-month deferred loans, ING Bank, Akbank, Finansbank and TEB are among those who provide general purpose loans. Although all of these banks provide 3 month delayed general purpose loans, terms and terms of payment may vary for each bank.
Some of these banks, where interest rates and maturity periods may be variable, may give credit to low credit ratings, while others do not.
Banks with delayed housing loans are not much. Honest Bank is the only bank to provide a delayed housing loan within the bank that has extended the loan for more than 3 months.
You can read the conditions under which Honest Bank granted a delayed housing loan and to whom you give credit under the subheading of Honest below. It will also be updated here as soon as another bank starts lending mortgage .
Vehicle loans have helped many people who want to buy a car or do business or just want to own a car. However, it seems like a very good idea to buy a car and pull out a loan and pay back after 3 months.
However, at the moment, no bank gives 3 months delayed vehicle loans. There may be many reasons for this, but the reason for us is that banks do not want to take risks. As a result, vehicle prices have a market that can increase or decrease at any time.