{"id":6115,"date":"2016-09-24T13:41:32","date_gmt":"2016-09-24T10:41:32","guid":{"rendered":"http:\/\/emlaktuel.com\/?p=6115"},"modified":"2018-07-05T14:53:09","modified_gmt":"2018-07-05T11:53:09","slug":"bankalar-konut-kredisini-yeniden-yapilandirmiyor","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=6115","title":{"rendered":"Bankalar konut kredisini yeniden yap\u0131land\u0131rm\u0131yor"},"content":{"rendered":"

Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan\u2019\u0131n, konut kredisi faizlerinin y\u00fczde 1\u2019in alt\u0131na indirilmesi \u00e7a\u011fr\u0131s\u0131 kar\u015f\u0131l\u0131k buldu ama yap\u0131land\u0131rma umuduyla bankalara ko\u015fan t\u00fcketici eli bo\u015f d\u00f6nd\u00fc. Yeni konut al\u0131m\u0131nda faizleri y\u00fczde 0,70\u2019e kadar indiren bankalar, \u201cMevcut kredimi yap\u0131land\u0131rmak istiyorum\u201d diyen t\u00fcketiciye, \u201cHay\u0131r\u201d cevab\u0131 veriyor. Bu cevapla da hem Rekabet Kanununa ayk\u0131r\u0131 davran\u0131yor, hem de T\u00fcketicinin Korunmas\u0131 Hakk\u0131nda Kanununa. Bu durumu yorumlayan T\u00fcketici Sorunlar\u0131 Derne\u011fi (T\u00dcSODER) Onursal Ba\u015fkan\u0131 Ayd\u0131n A\u011fao\u011flu, \u201cEvet, Cumhurba\u015fkan\u0131\u2019n\u0131n \u00e7a\u011fr\u0131s\u0131yla bir\u00e7ok banka kredisi faizini a\u015fa\u011f\u0131 \u00e7ekti. Burada enteresan durumlar ortaya \u00e7\u0131k\u0131yor. Birincisi, t\u00fcm bankalar aralar\u0131nda anla\u015fm\u0131\u015f gibi, daha \u00f6nce kredi kullanm\u0131\u015f m\u00fc\u015fterilerine, yeni faiz oran\u0131yla yeniden yap\u0131land\u0131rma hakk\u0131n\u0131 kulland\u0131rm\u0131yorlar. \u0130kincisi ise ayl\u0131k 0,70\u2019lere kadar indirdikleri faizleri, sadece yeni konut alacaklara, \u00f6zellikle de b\u00fcy\u00fck firmalar\u0131n olu\u015fturdu\u011fu Gayrimenkul Yat\u0131r\u0131m Ortakl\u0131\u011f\u0131 Derne\u011fi (GYODER) \u00fcyelerinin projelerinden ev alacaklara uyguluyorlar. Bize gelen iddialar, bu \u015firketlerin, kampanyadan hemen \u00f6nce fiyatlar\u0131n\u0131 art\u0131r\u0131p sonra indirim yapm\u0131\u015f gibi g\u00f6sterdi\u011fi y\u00f6n\u00fcnde. A\u00e7\u0131k\u00e7as\u0131 g\u00f6r\u00fcnen tablo, t\u00fcketicinin akl\u0131na bankalar ve ellerindeki yap\u0131 stokunu eritmek isteyen \u015firketlerin anla\u015fm\u0131\u015f oldu\u011fu sonucunu getiriyor\u201d dedi.<\/p>\n

\n

Tazminat hakk\u0131 do\u011fabilir<\/strong><\/h3>\n

Ayd\u0131n A\u011fao\u011flu, ge\u00e7ti\u011fimiz y\u0131llarda 12 bankan\u0131n, aralar\u0131nda anla\u015farak fiyat belirleme su\u00e7undan 1 milyar 114 milyon lira cezaya \u00e7arpt\u0131r\u0131ld\u0131\u011f\u0131n\u0131 hat\u0131rlatarak, \u201cT\u00fcketiciler, yeni faizden yap\u0131land\u0131rma hakk\u0131 kulland\u0131r\u0131lmad\u0131\u011f\u0131 i\u00e7in T\u00fcketicinin Korunmas\u0131 Hakk\u0131nda Kanun\u2019a, aralar\u0131nda faiz belirleyerek de Rekabet Kanunu\u2019na ayk\u0131r\u0131 davran\u0131yor. T\u00fcketicilerin, kanunlara ayk\u0131r\u0131 davrananlar sebebiyle zarar\u0131n\u0131n 3 kat\u0131na kadar bedel talep etme hakk\u0131 bulunuyor. Bilin\u00e7li t\u00fcketiciler dava a\u00e7sa, belki s\u00fcre\u00e7 uzar ama finans kurulu\u015flar\u0131 \u00e7ok y\u00fcksek miktarda tazminatlarla kar\u015f\u0131la\u015fabilirler\u201d diye konu\u015ftu.<\/p>\n

Anla\u015f\u0131p rekabete ayk\u0131r\u0131 davran\u0131yorlar<\/strong><\/h3>\n

Ayd\u0131n A\u011fao\u011flu\u2019nun verdi\u011fi bilgiye g\u00f6re bankalar, t\u00fcketicinin yap\u0131land\u0131rma ve erken kapama haklar\u0131n\u0131 kulland\u0131rmak zorunda. Ki\u015fileri, y\u00fczde 2\u2019ye kadar \u2018Erken \u00d6deme Tazminat\u0131\u2019 kar\u015f\u0131l\u0131\u011f\u0131nda borcunu yeniden yap\u0131land\u0131rabilece\u011fini s\u00f6yleyen A\u011fao\u011flu, \u015f\u00f6yle dedi: \u201cBankalar eski m\u00fc\u015fterisine kap\u0131y\u0131 g\u00f6sterip kanuna ayk\u0131r\u0131 davran\u0131yor. \u00dcstelik bunu hep birlikte yap\u0131yorlar. Rekabet Kanunu\u2019nun 4\u2019\u00fcnc\u00fc maddesi \u015firketlerin aralar\u0131nda anla\u015farak tek tip \u015fart ya da fiyat sunmas\u0131n\u0131 yasaklar. Birka\u00e7 y\u0131l \u00f6nce 12 b\u00fcy\u00fck banka, bu maddeye ayk\u0131r\u0131 davranmaktan, 1 milyar 114 milyon lira ceza \u00f6demek zorunda kalm\u0131\u015ft\u0131.\u201d<\/p>\n

Ticari i\u015fletme \u2018\u00fcr\u00fcn\u00fc satmam\u2019 diyemez<\/strong><\/h3>\n

Bankalar, T\u00fcketicinin Korunmas\u0131 Hakk\u0131nda Kanun\u2019un 6\u2019nc\u0131 maddesine de, \u00fcr\u00fcn\u00fc olan krediyi kulland\u0131rmayarak, yani yap\u0131land\u0131rmaya \u2018hay\u0131r\u2019 diyerek ayk\u0131r\u0131 davran\u0131yor. S\u00f6z konusu kanunun \u2018Sat\u0131\u015ftan Ka\u00e7\u0131nma\u2019 ba\u015fl\u0131kl\u0131 maddesinde, s\u00f6z konusu i\u015fletmenin sat\u0131\u015fa sundu\u011fu \u00fcr\u00fcn\u00fc satmaktan ka\u00e7\u0131nmas\u0131n\u0131 su\u00e7 say\u0131yor. A\u011fao\u011flu da, \u201cBankan\u0131n \u00fcr\u00fcn\u00fc kredi oldu\u011funa g\u00f6re, yeniden yap\u0131land\u0131rmamak, bu maddeye muhalefet anlam\u0131 ta\u015f\u0131r\u201d diyor.<\/p>\n

Canan ERASLAN \/ T\u00fcrkiye<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan\u2019\u0131n, konut kredisi faizlerinin y\u00fczde 1\u2019in alt\u0131na indirilmesi \u00e7a\u011fr\u0131s\u0131 kar\u015f\u0131l\u0131k buldu ama yap\u0131land\u0131rma umuduyla bankalara ko\u015fan t\u00fcketici eli bo\u015f d\u00f6nd\u00fc. Yeni konut al\u0131m\u0131nda faizleri y\u00fczde 0,70\u2019e kadar indiren bankalar, \u201cMevcut kredimi yap\u0131land\u0131rmak istiyorum\u201d diyen t\u00fcketiciye, \u201cHay\u0131r\u201d cevab\u0131 veriyor. Bu cevapla da hem Rekabet Kanununa ayk\u0131r\u0131 davran\u0131yor, hem de T\u00fcketicinin Korunmas\u0131 Hakk\u0131nda Kanununa. […]<\/p>\n","protected":false},"author":1,"featured_media":3300,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[26,27],"tags":[961,3742,11121,3741,2434,80,11091,951,277,89,11230],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6115"}],"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=6115"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6115\/revisions"}],"predecessor-version":[{"id":6116,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6115\/revisions\/6116"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/3300"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6115"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6115"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6115"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}