T\u00fcketici Ba\u015fvuru Merkezi Derne\u011fi Onursal Ba\u015fkan\u0131 Ayd\u0131n A\u011fao\u011flu, Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan’\u0131n \u201ckonut kredisi faizlerini d\u00fc\u015f\u00fcr\u00fcn\u201d \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. 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, \u201cBankalar oran y\u00fcksekken ‘Siz \u00e7ekin d\u00fc\u015f\u00fcnce yap\u0131land\u0131r\u0131r\u0131z’ diyorlard\u0131. \u015eimdi neden uygulam\u0131yorlar?\u201d dedi.<\/p>\n
T\u00dcKET\u0130C\u0130LER \u015e\u0130KAYETE BA\u015eLADI<\/h2>\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, \u201cT\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\u201d diye konu\u015ftu. 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
![](\"http:\/\/emlakkulisi.com\/resim\/tamboyut\/OTg5Mzc4Mz-bankalarin-konut-kredisi-oyunu.jpg\")
<\/p>\n
Ayd\u0131n A\u011fao\u011flu<\/p>\n
\n
D\u0130LEK\u00c7EL\u0130 BA\u015eVURU YAPIN<\/h2>\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: \u201cBankalara 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… 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.\u201d<\/p>\n
![](\"http:\/\/emlakkulisi.com\/resim\/tamboyut\/ODY1MzA4Mj-bankalarin-konut-kredisi-oyunu.jpg\")
<\/p>\n
Mehmet \u0130mrek<\/p>\n
D\u00fczenleme getirilmesi gerekli<\/h2>\n
Bilin\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 taleplere yana\u015fmad\u0131\u011f\u0131n\u0131 belirtti. \u00d6zel sekt\u00f6r oldu\u011fu i\u00e7in h\u00fck\u00fcmetin bir yapt\u0131r\u0131m uygulayamad\u0131\u011f\u0131n\u0131 ifade eden \u0130mrek, \u201cDi\u011fer bankadan daha d\u00fc\u015f\u00fck faizli kredi \u00e7ekilip bankaya 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\u201d diye konu\u015ftu.<\/p>\n
Bankalar\u0131n insaf\u0131na b\u0131rak\u0131l\u0131yor<\/h2>\n
Mehmet \u0130mrek, bankalar\u0131n Cumhurba\u015fkan\u0131 Erdo\u011fan’\u0131n \u201ckonut kredisi faizlerini d\u00fc\u015f\u00fcr\u00fcn\u201d \u00e7a\u011fr\u0131s\u0131na bankalar\u0131n uydu\u011funu ancak bunu g\u00f6receli uygulad\u0131klar\u0131n\u0131 savunarak, \u015f\u00f6yle devam etti: \u201cYap\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.\u201d<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"
Bankalara konut kredisini yap\u0131land\u0131rmak i\u00e7in ba\u015fvuranlar, indirimli faizlerin sadece yeni konut al\u0131mlar\u0131 i\u00e7in ge\u00e7erli oldu\u011fu s\u00f6ylenerek kap\u0131dan geri \u00e7evriliyor. T\u00fcketici Ba\u015fvuru Merkezi Derne\u011fi Onursal Ba\u015fkan\u0131 Ayd\u0131n A\u011fao\u011flu, Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan’\u0131n \u201ckonut kredisi faizlerini d\u00fc\u015f\u00fcr\u00fcn\u201d \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. A\u011fao\u011flu, konut kredisi faiz oran\u0131n\u0131n y\u00fczde 0,80’lere […]<\/p>\n","protected":false},"author":1,"featured_media":4449,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[221,26,27],"tags":[961,3929,3928,11315,11448,80,11091,3188,951,277,3859,3930,89,11230],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6364"}],"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=6364"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6364\/revisions"}],"predecessor-version":[{"id":6365,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6364\/revisions\/6365"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/4449"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6364"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6364"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6364"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}