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T?rkiye’de bankalar mortgage (tutulu satis) yasasinin Mart 2007’de y?r?rl?ge girmesiyle beraber her m?sterinin ihtiyacina g?re farkli ve ?esitli konut kredisi ?r?nleri sunmaya basladilar. Konut kredileri banka, vade, pesinat, komisyon, ve faiz gibi degiskenlere g?re ?esitlilik g?sterdigi i?in hangi konut kredisinin m?steri i?in en uygun kredi olduguna karar vermek aslinda olduk?a zor ve karisik bir islem. Birde buna d?vize endeksli bor?lanma se?enekleri, her banka i?in farkli olan basvuru masraflari, ekspertiz ?creti vs. gibi farkliliklari eklersek, her m?sterinin durumuna g?re en uygun konut kredisi se?imi ?ok degiskenli bir optimizasyon problemi haline d?n?s?yor. Bu durumda m?steriye en uygun kredi se?iminde isini bilen iyi bir... Read more »

While most people do not want to refinance their home, there are occasions where it makes sense, but all other avenues should be explored first. There are situations where it makes sense and is the best move forward but that does not mean that you shouldn’t try for the best deal available. ? Typically home refinancing is done when you have a mortgage on your home and apply for a second loan to pay off the first one. While taking the decision to go for the home refinancing option, it is important to first determine whether the amount you save on interests balances the amount of fees payable during refinancing. Cash-out refinancing leaves you with additional cash above the amount needed to pay off your existing mortgage, closing costs,... Read more »

In today’s world, where it is becoming increasingly difficult to manage finances, we take you through a quick guide of how to manage your education loans and how to ensure that you do not get buried under the repayment burden of these loans? This article would help you to lower your monthly education loan payments and is a step toward lowering your worries. Hence, take a minute and go through the write-up. Graduation day is what we all look forward to as students. These knowledge learning years do not come for free though. You would have piled up receipts, files and papers of student’s education loan. The time when your grace period is ready to end is coming close by, an action is on cards. What do you do at such times? A student... Read more »

Small business credit cards are credit instruments that cater specifically to the needs of small businesses. They are like your normal credit card except for some changes in interest rates and features which are optimized for use by small businesses. They are very useful for small businesses that desire to streamline their finances and access extra credit. The numbers of small businesses that use these cards are ever-growing. A recent report shows that 66% of small businesses use these cards for purchasing and financing. Forty percent of this number use their exclusively use credit cards for their payments. But why should a business apply for one? Are there any benefits that merit application for such a card? There are many advantages. Some... Read more »

There are many incentives for taking out a new credit card. Long term low interest rates are attractive. So too are 0% balance transfer and purchase rates, but these only last a short time. However, there are other rewards that last for the life of the credit card and that are attractive to most credit card purchasers. One of these is the air miles scheme. What Are Air Miles? The Air Miles scheme is a loyalty scheme that allows customers to collect points for everyday purchases from a number of high street and online retailers. Points can also be collected on travel, hotel bookings, currency exchange and travel insurance. Air Miles can be spent on travel to different destinations. Different points totals are needed for different destinations,... Read more »