Bankalar konut kredisi faiz oranlar\u0131nda indirimler yapmaya devam ederken kamu bankalar\u0131n\u0131n ba\u015flatt\u0131\u011f\u0131 12 ay ertelemeli \u00f6demeli konut kredisi kampanyas\u0131 b\u00fcy\u00fck ilgi g\u00f6rmeye devam ediyor. Konut almak i\u00e7in kredi ba\u015fvurusu yapan baz\u0131 vatanda\u015flara d\u00fc\u015f\u00fck kredi notlar\u0131ndan dolay\u0131, kredi sicil ile ayl\u0131k gelir belgenelerinin tutar\u0131n\u0131n d\u00fc\u015f\u00fck kalmas\u0131ndan dolay\u0131 kredi onay reddi \u00e7\u0131kabiliyor. Konut almak i\u00e7in ba\u015fvurulan kredinin onaylanmazsa ekspertiz bedeli geri iade al\u0131nabilir mi, konut i\u00e7in \u00f6denen kapora geri al\u0131nabilir mi?<\/p>\n
Kamu bankalar\u0131 taraf\u0131ndan bir \u00e7ok ki\u015finin konut kredisi ba\u015fvurusunun reddedildi\u011fine dair \u00e7e\u015fitli haberler yay\u0131lmaya ba\u015flad\u0131. Bu s\u00fcre\u00e7te kapora iadesi ve ekspertiz \u00fccreti kesintisi merak konusu olmaya ba\u015flad\u0131.<\/p>\n
Konut kredisi i\u00e7in ba\u015fvuru yapan vatanda\u015flardan bankalar \u00f6ncelikle konut kredisi ekspertiz \u00fccretini tahsil etmektedir. Ekspertiz \u00fccreti kredi ba\u015fvurusu s\u0131ras\u0131nda al\u0131nmaktada\u0131. Kredi ba\u015fvurusu \u00f6n onay\u0131 al\u0131nmas\u0131ndan sonra yani ki\u015finin kredi notu sorgulamas\u0131 olumlu olmas\u0131 durumunda al\u0131nmakta olup amac\u0131 krediye konu olan konutun ger\u00e7ek de\u011ferinin belirlenmesi amac\u0131 ile eksper de\u011ferlendirilmesi yap\u0131lmas\u0131d\u0131r.<\/p>\n
Yani bankalar verece\u011fi konut kredisi de\u011ferini vatanda\u015flar\u0131n beyanlar\u0131na g\u00f6re de\u011filde \u00e7al\u0131\u015ft\u0131\u011f\u0131 de\u011ferleme \u015firketinin eksperi arac\u0131l\u0131\u011f\u0131 ile belirlemektedir. Yap\u0131lan bir i\u015flem ve tahsil edilen bir \u00fccret bulunmaktad\u0131r. Konut kredisi ba\u015fvrusu reddedi gelirse dahi banka ald\u0131\u011f\u0131 konut kredisi ekspertiz \u00fccretini geri iadesini yapmaz.
\nFakat baz\u0131 bankalar di\u011fer bankalar\u0131n \u00e7ok daha \u00fcst\u00fcnde bir fahi\u015f \u00fccret tahsil etmi\u015fse veya fatura kesmedi ise bu \u00fccretin iadesi i\u00e7in t\u00fcketici mahkemelerine ba\u015fvuru hakk\u0131n\u0131z do\u011fmaktad\u0131r.<\/p>\n
\u00c7ok tart\u0131\u015f\u0131lan bu iki konuda ki\u015finin emlak\u00e7\u0131 \u00fczerinden bir s\u00f6zle\u015fme imza atarken maddelerde b\u00f6yle bir h\u00fckm\u00fcn olup olmad\u0131\u011f\u0131n\u0131 kontrol etmesi gerekmektedir. Yap\u0131lan de\u011ferlendirmelerin hepsi ki\u015finin konut kredisinin reddi ile keyfi olarak s\u00f6zle\u015fmeden d\u00f6nmemesi nedeni ile konut pe\u015finat\u0131 ve emlak\u00e7\u0131 komisyonu \u00f6demesini geri alabilmesi hakk\u0131na sahiptir.<\/p>\n","protected":false},"excerpt":{"rendered":"
Bankalar konut kredisi faiz oranlar\u0131nda indirimler yapmaya devam ederken kamu bankalar\u0131n\u0131n ba\u015flatt\u0131\u011f\u0131 12 ay ertelemeli \u00f6demeli konut kredisi kampanyas\u0131 b\u00fcy\u00fck ilgi g\u00f6rmeye devam ediyor. Konut almak i\u00e7in kredi ba\u015fvurusu yapan baz\u0131 vatanda\u015flara d\u00fc\u015f\u00fck kredi notlar\u0131ndan dolay\u0131, kredi sicil ile ayl\u0131k gelir belgenelerinin tutar\u0131n\u0131n d\u00fc\u015f\u00fck kalmas\u0131ndan dolay\u0131 kredi onay reddi \u00e7\u0131kabiliyor. Konut almak i\u00e7in ba\u015fvurulan kredinin […]<\/p>\n","protected":false},"author":1,"featured_media":23026,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[26],"tags":[14505,951,14504],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/32268"}],"collection":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=32268"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/32268\/revisions"}],"predecessor-version":[{"id":32269,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/32268\/revisions\/32269"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/23026"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=32268"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=32268"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=32268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}