Kredi
teminatsiz kredi
İngilizce: unsecured loan
Türkçe Tanım
Teminatsiz kredi, borcalinin varliklarinda herhangi bir teminat veya rehin hakki olmaksizin, borcalinin kredi degerliligine dayanilarak verilen kredi tesisidir. Bu krediler genellikle guclu kredi profiline ve kanitlanabilir geri odeme kapasitesine sahip borcalilara kullandirilir. Teminat yoklugu, kredi verenin daha fazla risk ustlenmesi anlamina gelir ve bu durum daha yuksek faiz oranlari ile potansiyel olarak daha kisa vadelere yansir.
English Definition
An unsecured loan is a credit facility granted without any collateral or lien against the borrower's assets, relying instead on the borrower's creditworthiness. These loans are typically extended to borrowers with strong credit profiles and demonstrable repayment capacity. The absence of collateral means the lender assumes greater risk, which is reflected in higher interest rates and potentially shorter tenors compared to secured lending arrangements.