Gayrimenkul Hukuk Enstit\u00fcs\u00fc Ba\u015fkan\u0131 Ali Y\u00fcksel, bankalar\u0131n konutta faizi y\u00fczde 1\u2019in alt\u0131na d\u00fc\u015f\u00fcrmesinin ard\u0131ndan daha \u00f6nce y\u00fcksek oranlardan kredi \u00e7eken vatanda\u015flar\u0131n yap\u0131land\u0131rmaya gidebilece\u011fini belirterek, \u201cT\u00fcketiciler bankalara mutlaka dilek\u00e7e ile ba\u015fvursun. E\u011fer ret yan\u0131t\u0131 al\u0131rsa ba\u015fvurusunun olumsuz kar\u015f\u0131land\u0131\u011f\u0131na dair yaz\u0131l\u0131 cevab\u0131 als\u0131n, t\u00fcketici mahkemelerine ba\u015fvursun. Karar vatanda\u015f lehine \u00e7\u0131kacakt\u0131r.\u201d dedi.<\/p>\n
Bankalar, ge\u00e7en haftadan ba\u015flayarak en d\u00fc\u015f\u00fc\u011f\u00fc y\u00fczde 0,80 olmak \u00fczere konut kredisi faizlerini y\u00fczde 1\u2019in alt\u0131na \u00e7ekmi\u015fti. Konutta d\u00fc\u015fen faizin ard\u0131ndan kredisini yap\u0131land\u0131rmak veya ba\u015fka bankaya transfer etmek isteyenlerin olumsuz yan\u0131t ald\u0131\u011f\u0131 iddia edilirken, bankac\u0131lar, Konut Fi\u0307nansman\u0131 S\u00f6zle\u015fmeleri\u0307 Y\u00f6netmeli\u0307\u011fi\u0307 kapsam\u0131nda yeniden yap\u0131land\u0131rma yap\u0131ld\u0131\u011f\u0131n\u0131, vatanda\u015flar\u0131n a\u011f\u0131rl\u0131kla konut kredilerini ba\u015fka bankalara ta\u015f\u0131d\u0131\u011f\u0131n\u0131 belirtiyor.<\/p>\n
Konut Fi\u0307nansman\u0131 S\u00f6zle\u015fmeleri\u0307 Y\u00f6netmeli\u0307\u011fi\u0307 uyar\u0131nca, faiz oran\u0131n\u0131n sabit olarak belirlenmesi halinde, s\u00f6zle\u015fmede yer verilmek suretiyle, t\u00fcketicinin bor\u00e7land\u0131\u011f\u0131 tutar\u0131n tamam\u0131n\u0131 veya bir taksit tutar\u0131ndan az olmamak \u00fczere herhangi bir tutar\u0131 vadesinden \u00f6nce \u00f6demesi durumunda konut finansman\u0131 kurulu\u015fu taraf\u0131ndan t\u00fcketiciden erken \u00f6deme tazminat\u0131 talep edilebiliyor.<\/p>\n
Erken \u00f6deme tazminat\u0131, t\u00fcketici taraf\u0131ndan konut finansman\u0131 kurulu\u015funa erken \u00f6denen anapara tutar\u0131n\u0131n kalan vadesi 36 ay\u0131 a\u015fmayan kredilerde y\u00fczde 1\u2019ini, kalan vadesi 36 ay\u0131 a\u015fan kredilerde ise y\u00fczde 2\u2019sini ge\u00e7emiyor.<\/p>\n
Konuya ili\u015fkin de\u011ferlendirmelerde bulunan Gayrimenkul Hukuk Enstit\u00fcs\u00fc Ba\u015fkan\u0131 Ali Y\u00fcksel, konut kredilerinin t\u00fcketici hukukuna tabi oldu\u011funu ve kamusal nitelik ta\u015f\u0131d\u0131\u011f\u0131n\u0131 belirterek, \u201cYani taraflar r\u0131za ile anla\u015fsa da yeni bir h\u00fck\u00fcm gelmi\u015fse o r\u0131zay\u0131 bozar.\u201d dedi.<\/p>\n
Y\u00fcksel, t\u00fcketiciler lehine bir geli\u015fme oldu\u011funda bu durumun geriye do\u011fru d\u00fczenleme \u015fans\u0131 tan\u0131d\u0131\u011f\u0131n\u0131 ifade ederek, \u201cKarar t\u00fcketici lehine \u00e7\u0131k\u0131yorsa hemen uygulan\u0131r. Bankalar da zaman zaman t\u00fcketici lehine de\u011fi\u015fiklik olabilece\u011fini d\u00fc\u015f\u00fcnerek ona g\u00f6re ayarlama yapar. Bug\u00fcn itibar\u0131yla bankalar\u0131n t\u00fcketici lehine olan bir geli\u015fmeyi g\u00f6z ard\u0131 etmesi kabul edilemez. Bu durum t\u00fcketiciye \u015fikayet hakk\u0131 do\u011furuyor.\u201d diye konu\u015ftu.<\/p>\n
\u015eu andaki mevcut orandan daha y\u00fcksek oranla kredi \u00e7eken vatanda\u015flar\u0131n yap\u0131land\u0131rmaya gidebilece\u011fini kaydeden Y\u00fcksel, s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc:<\/p>\n
\u201cT\u00fcketiciler bankalara mutlaka dilek\u00e7e ile ba\u015fvursun. Kredisinin yeni orandan hesaplanmas\u0131n\u0131 talep etsin. E\u011fer ret yan\u0131t\u0131 al\u0131rsa ba\u015fvurusunun olumsuz kar\u015f\u0131land\u0131\u011f\u0131na dair yaz\u0131l\u0131 cevab\u0131 als\u0131n. Daha sonra bu yaz\u0131 ile t\u00fcketici mahkemelerine ba\u015fvursun. Yani t\u00fcketici, bankay\u0131 t\u00fcketici mahkemesine \u015fikayet etsin. Karar vatanda\u015f lehine \u00e7\u0131kacakt\u0131r. Vatanda\u015flar\u0131m\u0131z bunu ihmal etmesin.\u201d<\/p>\n
T\u00fcketici Sorunlar\u0131 Derne\u011fi (T\u00dcSODER) Genel Ba\u015fkan Yard\u0131mc\u0131s\u0131 ve Emlak Komisyonu Ba\u015fkan\u0131 Hatice Kol\u00e7ak da \u00e7ok say\u0131da t\u00fcketicinin derne\u011fe ba\u015fvurarak yap\u0131land\u0131rma konusunda bankalardan olumsuz yan\u0131t ald\u0131\u011f\u0131n\u0131 belirtti\u011fini, bu konuda hayli \u015fikayet oldu\u011funu s\u00f6yledi.<\/p>\n
T\u00fcketicilerin \u201cBen de bu orandan faydalanmak istiyorum. Neden bize bu oran uygulanm\u0131yor\u201d diyerek derne\u011fi mail ve SMS ya\u011fmuruna tuttu\u011funu belirten Kol\u00e7ak, vatanda\u015f\u0131n lehine olan geli\u015fmenin t\u00fcketiciye uygulanmas\u0131 gerekti\u011fini vurgulad\u0131.<\/p>\n
Kol\u00e7ak, \u201cOran y\u00fcksekken bankalar t\u00fcketicilere \u2018Nas\u0131l olsa bu oran d\u00fc\u015fecek, siz \u00e7ekin sonra yap\u0131land\u0131r\u0131r\u0131z\u2019 diyorlar. \u015eimdi s\u00f6zlerinde durmuyorlar. \u00d6zellikle orta ve d\u00fc\u015f\u00fck gelirli vatanda\u015flar bu oranlar\u0131n d\u00fc\u015fmesini aylard\u0131r bekliyordu. Ancak bankalar, onlar\u0131n bu avantajdan yararlanmas\u0131na engel oluyor. Burada bankalar i\u015fg\u00fczar davran\u0131yor.\u201d \u015feklinde konu\u015ftu.<\/p>\n
Bankalar\u0131n art\u0131k t\u00fcketicileri d\u00fc\u015f\u00fcnmesi gerekti\u011fini vurgulayan Kol\u00e7ak, \u201cBankalardan, daha y\u00fcksek oranla kredi \u00e7eken t\u00fcketicilerin yeni ve daha d\u00fc\u015f\u00fck oranlardan faydalanmas\u0131 konusunda olumlu ad\u0131m atmalar\u0131n\u0131 istiyoruz.\u201d dedi.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"
Gayrimenkul Hukuk Enstit\u00fcs\u00fc Ba\u015fkan\u0131 Ali Y\u00fcksel, bankalar\u0131n konutta faizi y\u00fczde 1\u2019in alt\u0131na d\u00fc\u015f\u00fcrmesinin ard\u0131ndan daha \u00f6nce y\u00fcksek oranlardan kredi \u00e7eken vatanda\u015flar\u0131n yap\u0131land\u0131rmaya gidebilece\u011fini belirterek, \u201cT\u00fcketiciler bankalara mutlaka dilek\u00e7e ile ba\u015fvursun. E\u011fer ret yan\u0131t\u0131 al\u0131rsa ba\u015fvurusunun olumsuz kar\u015f\u0131land\u0131\u011f\u0131na dair yaz\u0131l\u0131 cevab\u0131 als\u0131n, t\u00fcketici mahkemelerine ba\u015fvursun. Karar vatanda\u015f lehine \u00e7\u0131kacakt\u0131r.\u201d dedi. Bankalar, ge\u00e7en haftadan ba\u015flayarak en d\u00fc\u015f\u00fc\u011f\u00fc […]<\/p>\n","protected":false},"author":1,"featured_media":4195,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[221,26,27],"tags":[961,11417,2434,80,11091,951,2984,277,2985,11230],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/4569"}],"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=4569"}],"version-history":[{"count":3,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/4569\/revisions"}],"predecessor-version":[{"id":4572,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/4569\/revisions\/4572"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/4195"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4569"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}