The loans offered are; It is generally examined on two bases. These; the repayment period of the loan and the interest rate applied. Also; There are also loans tailored to the need.
Banks giving credit with a deferral for 3 months
When looking at the loan titles offered as packages, some features may be more prominent.
Deferred loans: These types of loans can be applied to consumer loans or consumer-specific loans (such as vehicle and home loans). This application; is called deferred credit.
Reimbursement does not start in the following month after the loan is received; It offers attractive alternatives such as 3-month deferred credit and 4-month deferred credit.
Deferred Credit Usage Advantages
As with any loan package, the purpose of deferred loan packages is to make the use of loans attractive. In this way;
- If the credit requirement is urgent, it can be used immediately and the refund can be started after the specified time.
- By saving time on reimbursement, budget adjustment can be adjusted more easily and less compellingly.
However, the situation that should not be forgotten; is the interest rate on deferred credit. Therefore, for loans with no deferral loan; it would be useful to compare the maturity, loan amount and interest rates from the beginning. Their current control can now be done easily over the internet.
In banks’ web page or mobile applications; There are credit inquiry fields. Here; it is sufficient to specify the loan amount and the desired repayment term. Current interest rates to be applied are also specified in these sections.
What To Do To Get Deferred Loan?
Deferred loan opportunity can be used by following the loan packages applied by banks. However, when a loan application is made out of the bank’s loan packages; It should also be questioned whether there is an option to postpone credit repayment. If the bank; if it offers the possibility of postponement; this opportunity can be evaluated at the loan application stage.
In accordance with the current terms and conditions, there may be changes in the list of banks that give deferred credit. Therefore, when applying for credit, whether there is a deferral application; It can be learned from bank branches or banks’ websites.