{"id":6333,"date":"2016-10-02T13:48:03","date_gmt":"2016-10-02T10:48:03","guid":{"rendered":"http:\/\/emlaktuel.com\/?p=6333"},"modified":"2018-07-05T14:56:04","modified_gmt":"2018-07-05T11:56:04","slug":"konut-kredisi-faizleri-dustu-bankalar-yapilandirmaya-hayir-diyor","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=6333","title":{"rendered":"Konut kredisi faizleri d\u00fc\u015ft\u00fc, bankalar yap\u0131land\u0131rmaya hay\u0131r diyor!"},"content":{"rendered":"

Ayd\u0131n A\u011fao\u011flu ‘Konut kredileri<\/a>ni yeniden yap\u0131land\u0131rmak isteyenlerin bankalar taraf\u0131ndan geri \u00e7evrilmesini gerektirecek bir yasa hen\u00fcz yok’
\n15 Temmuz’daki hian kalk\u0131\u015fmadan sonra Emlak Konut GYO ve GYODER \u00f6nderli\u011finde konut sekt\u00f6r\u00fcnde tarihi kampanya ba\u015flat\u0131lm\u0131\u015f ve faizler y\u00fczde 0,70’e d\u00fc\u015fm\u00fc\u015ft\u00fc. Daha sonras\u0131nda Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan’\u0131n bankalara yapt\u0131\u011f\u0131 \u00e7a\u011fr\u0131yla birlikte konut kredisi faizlerindeki d\u00fc\u015f\u00fc\u015f devam etti. Ancak bankalar, o tarihten \u00f6nce konut kredisi kullanan t\u00fcketicilerin yeniden yap\u0131land\u0131rma taleplerini reddediyor.<\/p>\n

T\u00fcketici Ba\u015fvuru Merkezi Derne\u011fi Onursal Ba\u015fkan\u0131 Ayd\u0131n A\u011fao\u011flu, konut kredisi faiz oran\u0131n\u0131n y\u00fczde 0,80’lere kadar d\u00fc\u015f\u00fcrmesine ra\u011fmen t\u00fcketicilerin yap\u0131land\u0131rma taleplerinin geri \u00e7evrildi\u011fini belirterek, “Bankalar oran y\u00fcksekken ‘Siz \u00e7ekin d\u00fc\u015f\u00fcnce yap\u0131land\u0131r\u0131r\u0131z’ diyorlard\u0131. \u015eimdi neden uygulam\u0131yorlar?” dedi.<\/p>\n

A\u011fao\u011flu, yapt\u0131\u011f\u0131 a\u00e7\u0131klamada, Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan’\u0131n “konut kredisi faizlerini d\u00fc\u015f\u00fcr\u00fcn<\/a>” \u00e7a\u011fr\u0131s\u0131 \u00fczerine bankalar\u0131n faiz oranlar\u0131n\u0131 d\u00fc\u015f\u00fcrd\u00fc\u011f\u00fcn\u00fc ancak uygulaman\u0131n aksakl\u0131klarla hayata ge\u00e7irildi\u011fini s\u00f6yledi.<\/p>\n

Faizlerin d\u00fc\u015f\u00fcr\u00fclmesine ra\u011fmen bankalar\u0131n yap\u0131land\u0131rmaya yana\u015fmad\u0131\u011f\u0131 konusunda kendilerine \u00e7ok say\u0131da \u015fikayet geldi\u011fini ifade eden A\u011fao\u011flu, “T\u00fcketicilerin kredilerini yap\u0131land\u0131rmak istemeleri en do\u011fal haklar\u0131d\u0131r. Bankalar burada keyfi tutum sergilemektedir. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu’nun devreye girmesi ve durumun a\u00e7\u0131kl\u0131\u011fa kavu\u015fturulmas\u0131 gerekmektedir. Bu konuda bir\u00e7ok t\u00fcketici ma\u011fdur durumdad\u0131r.” diye konu\u015ftu.<\/p>\n

Daha \u00f6nce buna benzer d\u00fczenlemelerin yap\u0131ld\u0131\u011f\u0131n\u0131 hat\u0131rlatan A\u011fao\u011flu, t\u00fcketicilerin bu d\u00fczenlemelerle yap\u0131land\u0131rmadan faydaland\u0131\u011f\u0131n\u0131 ancak son faiz indiriminden sonra bankalar\u0131n farkl\u0131 bir tutum sergiledi\u011fini aktard\u0131.<\/p>\n

Konut Finansman\u0131 S\u00f6zle\u015fmesi Y\u00f6netmeli\u011fi b\u00fcnyesinde yeniden yap\u0131land\u0131rma yapmama gibi bir durumun s\u00f6z konusu olmad\u0131\u011f\u0131n\u0131 dile getiren A\u011fao\u011flu, \u015funlar\u0131 kaydetti:<\/p>\n

“Bankalara konut kredisini yap\u0131land\u0131rmak i\u00e7in ba\u015fvuru yapanlar, yeni faiz oranlar\u0131n\u0131n yap\u0131land\u0131rma i\u00e7in olmad\u0131\u011f\u0131 ve sadece yeni konut al\u0131mlar\u0131 i\u00e7in ge\u00e7erli oldu\u011fu s\u00f6ylenerek kap\u0131dan geri \u00e7evriliyorlar. Bunun bu \u015fekilde y\u00fcr\u00fct\u00fclmesini sa\u011flayacak herhangi bir yapt\u0131r\u0131m ya da yasa mevcut de\u011fildir. Sonu\u00e7ta var olan bir konut i\u00e7in kredi borcunu kapat\u0131p yeni bir kredi \u00e7ekmek ya da kredi borcunu daha iyi faiz oranl\u0131 bankaya aktarmak i\u00e7in ba\u015fvuruda bulunuyorsunuz. Bu da sizin en do\u011fal hakk\u0131n\u0131zd\u0131r. Bu durum t\u00fcketiciye \u015fikayet hakk\u0131 do\u011furuyor. T\u00fcketiciler bankalara mutlaka dilek\u00e7eyle 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\u0131yla t\u00fcketici mahkemelerine ba\u015fvursun. Bankalar oran y\u00fcksekken ‘Siz \u00e7ekin d\u00fc\u015f\u00fcnce yap\u0131land\u0131r\u0131r\u0131z’ diyorlard\u0131. \u015eimdi neden uygulam\u0131yorlar?”<\/p>\n

Yap\u0131land\u0131rmalarla ilgili d\u00fczenleme getirilmesi laz\u0131m
\nBilin\u00e7li T\u00fcketiciler Platformu S\u00f6zc\u00fcs\u00fc Mehmet \u0130mrek de yap\u0131land\u0131rmayla ilgili bankalara \u00e7ok say\u0131da ba\u015fvuru oldu\u011funu, bankalar\u0131n karlar\u0131ndan azalma oldu\u011fundan bu yap\u0131land\u0131rma taleplerine yana\u015fmad\u0131\u011f\u0131n\u0131 belirtti.<\/p>\n

\u00d6zel sekt\u00f6r oldu\u011fu i\u00e7in h\u00fck\u00fcmetin bir yapt\u0131r\u0131m uygulayamad\u0131\u011f\u0131n\u0131 ifade eden \u0130mrek, “Geriye tek yol kal\u0131yor. Ba\u015fka bankadan daha d\u00fc\u015f\u00fck faizli kredi kullan\u0131p o bankan\u0131n borcu \u00f6denebilir. Bunun da baz\u0131 sak\u0131ncalar\u0131 var. Di\u011fer bankadan daha d\u00fc\u015f\u00fck faizli kredi \u00e7ekilip bankaya olan bor\u00e7 kapanmak istenildi\u011finde erken kapama tazminat\u0131 al\u0131n\u0131yor. H\u00fck\u00fcmetin yap\u0131land\u0131rmalarla ilgili de bir d\u00fczenleme getirmesi laz\u0131m.” dedi.<\/p>\n

\u0130mrek, Cumhurba\u015fkan\u0131 Erdo\u011fan’\u0131n “konut kredisi faizlerini d\u00fc\u015f\u00fcr\u00fcn” \u00e7a\u011fr\u0131s\u0131na bankalar\u0131n uydu\u011funu ancak bunu g\u00f6receli uygulad\u0131klar\u0131n\u0131 savunarak, “Yap\u0131land\u0131rma kanuni bir hak ancak burada t\u00fcketiciler yine bankalar\u0131n insaf\u0131na b\u0131rak\u0131l\u0131yor, ma\u011fdur ediliyor. H\u00fck\u00fcmetin \u00f6zellikle devreye girmesi laz\u0131m. \u00c7o\u011fu bor\u00e7lar varl\u0131k \u015firketlerine devredilmi\u015f. Bunlar nas\u0131l yap\u0131land\u0131r\u0131lacak? Buras\u0131 da muamma. Bankalar bor\u00e7lar\u0131 varl\u0131k \u015firketlerine satabiliyor. Madem bor\u00e7lar\u0131 satabiliyorlar o zaman vatanda\u015flara neden ‘Gel borcunu \u00f6de, kapat’ demiyorlar.” diye konu\u015ftu.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ayd\u0131n A\u011fao\u011flu ‘Konut kredilerini yeniden yap\u0131land\u0131rmak isteyenlerin bankalar taraf\u0131ndan geri \u00e7evrilmesini gerektirecek bir yasa hen\u00fcz yok’ 15 Temmuz’daki hian kalk\u0131\u015fmadan sonra Emlak Konut GYO ve GYODER \u00f6nderli\u011finde konut sekt\u00f6r\u00fcnde tarihi kampanya ba\u015flat\u0131lm\u0131\u015f ve faizler y\u00fczde 0,70’e d\u00fc\u015fm\u00fc\u015ft\u00fc. Daha sonras\u0131nda Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan’\u0131n bankalara yapt\u0131\u011f\u0131 \u00e7a\u011fr\u0131yla birlikte konut kredisi faizlerindeki d\u00fc\u015f\u00fc\u015f devam etti. Ancak bankalar, […]<\/p>\n","protected":false},"author":1,"featured_media":1503,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[221,26],"tags":[961,3463,3920,11315,80,11091,951,3919,277,3859,89,2659,11230],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6333"}],"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=6333"}],"version-history":[{"count":3,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6333\/revisions"}],"predecessor-version":[{"id":6351,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6333\/revisions\/6351"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/1503"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}