Yüksek gelirim yok, bu yüzden kredi çekmeyeceğim.

Questions & Answers about Yüksek gelirim yok, bu yüzden kredi çekmeyeceğim.

Why is there a ğ in çekmeyeceğim instead of a k?
This is the future tense in action! The root is çek (to draw/pull). We add the negative -me, the buffer -y-, and the future suffix -ecek. Normally, it would be çekmeyecekim, but when the future suffix -ecek is followed by a vowel (like the 'I' suffix -im), the k softens to a ğ. So, it becomes çekmeyeceğim.
Why use çekmek (to pull) for taking out a loan?
In Turkish, the verb çekmek has many uses beyond just 'to pull.' The set phrase for 'to take out a loan' is kredi çekmek (literally 'to pull credit'). You also use çekmek when withdrawing money from an ATM (para çekmek).
Doesn't gelirim mean 'I come'? Why does it mean 'my income' here?
Context is key! While gelirim can mean 'I come' (the verb gelmek in the simple present/aorist tense), here gelir is a noun meaning 'income.' When you add the possessive suffix -im (my), it becomes gelirim (my income). You can tell it is a noun here because it is paired with yok to talk about possession.
How does gelirim yok translate to 'I do not have'?
In Turkish, to say you have or do not have something, you use the possessor suffix (like -im for 'my') with the words var (there is) or yok (there is not). Literally, gelirim yok means 'my income does not exist,' which is the standard Turkish way of saying 'I do not have an income.'
What does bu yüzden mean exactly?
Bu yüzden translates to 'therefore,' 'so,' or 'because of this.' It breaks down into bu (this) and yüzden (from the reason/cause), and it is a very common way to connect a cause (Yüksek gelirim yok) to an effect (kredi çekmeyeceğim).

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