De\u011ferli\nokurlar,<\/p>\n\n\n\n
T\u00fcketici\nKredileri, 6025 say\u0131l\u0131 T\u00fcketicinin Korunmas\u0131 Hakk\u0131nda Kanun’un 22 ve 32.\nmaddeleri aras\u0131nda d\u00fczenlenmi\u015ftir. <\/p>\n\n\n\n
Burada\nde\u011finilecek olan, temel i\u015flem \u015fartlar\u0131 yan\u0131 s\u0131ra, kefalet ve ba\u011fl\u0131 krediler\nhususudur.<\/p>\n\n\n\n
\u00d6ncelikle,\nT\u00fcketici Kredisi S\u00f6zle\u015fmesi’nin yaz\u0131l\u0131 olarak, en az 12 punto karakterli bir\nmetin ve a\u00e7\u0131k anla\u015f\u0131l\u0131r olmas\u0131 zorunludur ancak yaz\u0131l\u0131 yap\u0131lmam\u0131\u015f olmas\u0131, kredi\nveren taraf\u0131ndan t\u00fcketici aleyhine kullan\u0131lamaz.<\/p>\n\n\n\n
Yasam\u0131z\ngere\u011fi, T\u00fcketici Kredisi S\u00f6zle\u015fmesi yap\u0131lmadan makul s\u00fcre \u00f6ncesinde s\u00f6zle\u015fme\n\u015fartlar\u0131na ili\u015fkin bilgilendirme notunun, cayma hakk\u0131n\u0131 da i\u00e7erecek \u015fekilde,\nt\u00fcketiciye verilmesi zorunludur.<\/p>\n\n\n\n
T\u00fcketicinin\nyap\u0131lan kredi teklifini makul bulup, s\u00f6zle\u015fmeyi imzalamas\u0131n\u0131 takiben 14 g\u00fcn\ni\u00e7inde, herhangi bir cezai \u015fart \u00f6demeksizin cayma hakk\u0131 vard\u0131r. Cayma hakk\u0131n\u0131\nkulland\u0131\u011f\u0131n\u0131, kredi verene bu s\u00fcre i\u00e7inde y\u00f6neltmesi yeterlidir. <\/p>\n\n\n\n
Cayma\nhakk\u0131n\u0131 kullanan t\u00fcketicinin krediden faydaland\u0131\u011f\u0131 h\u00e2llerde, t\u00fcketici,\nanaparay\u0131 ve kredinin kullan\u0131ld\u0131\u011f\u0131 tarihten anaparan\u0131n geri \u00f6dendi\u011fi tarihe\nkadar olan s\u00fcrede tahakkuk eden faizi en ge\u00e7 cayma bildirimini kredi verene\ng\u00f6ndermesinden sonra otuz g\u00fcn i\u00e7inde geri \u00f6der. Bu s\u00fcre i\u00e7inde \u00f6deme\nyap\u0131lmamas\u0131 h\u00e2linde t\u00fcketici kredisinden cay\u0131lmam\u0131\u015f say\u0131l\u0131r. Faiz, akd\u00ee faiz oran\u0131na\ng\u00f6re hesaplan\u0131r. T\u00fcketiciden, hesaplanan akd\u00ee faiz ve bir kamu kurum veya\nkurulu\u015funa veya \u00fc\u00e7\u00fcnc\u00fc ki\u015filere \u00f6denmi\u015f olan masraflar d\u0131\u015f\u0131nda herhangi bir\nbedel talep edilemez.<\/p>\n\n\n\n
Belirli\ns\u00fcreli t\u00fcketici kredisi s\u00f6zle\u015fmelerinde faiz oran\u0131 sabit olarak belirlenir.\nS\u00f6zle\u015fmenin kuruldu\u011fu tarihte belirlenen bu oran t\u00fcketici aleyhine\nde\u011fi\u015ftirilemez. <\/p>\n\n\n\n
T\u00fcketici\nkredisi s\u00f6zle\u015fmelerinde, akd\u00ee faiz, efektif y\u0131ll\u0131k faiz veya kredinin toplam\nmaliyetinin yer almamas\u0131 durumunda, kredi tutar\u0131 faizsiz olarak s\u00f6zle\u015fme s\u00fcresinin\nsonuna kadar kullan\u0131l\u0131r. Efektif faiz oran\u0131, oldu\u011fundan d\u00fc\u015f\u00fck g\u00f6sterilmi\u015fse,\nkredinin toplam maliyetinin hesaplanmas\u0131nda esas al\u0131nacak akd\u00ee faiz oran\u0131,\nd\u00fc\u015f\u00fck g\u00f6sterilen efektif faiz oran\u0131na uyacak \u015fekilde yeniden belirlenir. Bu\nh\u00e2llerde \u00f6deme plan\u0131, yap\u0131lan de\u011fi\u015fikliklere g\u00f6re yeniden d\u00fczenlenir.<\/p>\n\n\n\n
Belirsiz\ns\u00fcreli kredi s\u00f6zle\u015fmelerinde faiz oran\u0131nda de\u011fi\u015fiklik yap\u0131lmas\u0131 h\u00e2linde, bu\nde\u011fi\u015fikli\u011fin y\u00fcr\u00fcrl\u00fc\u011fe girmesinden otuz g\u00fcn \u00f6nce, t\u00fcketiciye k\u00e2\u011f\u0131t \u00fczerinde\nveya kal\u0131c\u0131 veri saklay\u0131c\u0131s\u0131 arac\u0131l\u0131\u011f\u0131yla yaz\u0131l\u0131 olarak bildirilmesi\nzorunludur. Bu bildirimde, yeni faiz oran\u0131n\u0131n y\u00fcr\u00fcrl\u00fc\u011fe girmesinden sonra\nyap\u0131lacak \u00f6demelerin tutar\u0131, say\u0131s\u0131 ile aral\u0131klar\u0131n\u0131n de\u011fi\u015fmesine ili\u015fkin\nayr\u0131nt\u0131lara yer verilir. Faiz oran\u0131n\u0131n art\u0131r\u0131lmas\u0131 h\u00e2linde, yeni faiz oran\u0131\ngeriye d\u00f6n\u00fck olarak uygulanamaz. T\u00fcketici, bildirim tarihinden itibaren en ge\u00e7\naltm\u0131\u015f g\u00fcn i\u00e7inde borcun tamam\u0131n\u0131 \u00f6dedi\u011fi ve kredi kullanmaya son verdi\u011fi\ntakdirde faiz art\u0131\u015f\u0131ndan etkilenmez.<\/p>\n\n\n\n
T\u00fcketici,\nvadesi gelmemi\u015f bir veya birden \u00e7ok taksit \u00f6demesinde bulunabilir veya kredi\nborcunun tamam\u0131n\u0131 erken \u00f6deyebilir. Bu h\u00e2llerde kredi veren, erken \u00f6denen\nmiktara g\u00f6re gerekli t\u00fcm faiz ve di\u011fer maliyet unsurlar\u0131na ili\u015fkin indirim\nyapmakla y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n\n\n\n
Belirli\ns\u00fcreli kredi s\u00f6zle\u015fmelerinde t\u00fcketicinin taksitleri \u00f6demede temerr\u00fcde d\u00fc\u015fmesi\ndurumunda, kredi veren, borcun tamam\u0131n\u0131n ifas\u0131n\u0131 talep etme hakk\u0131n\u0131 sakl\u0131\ntutmu\u015fsa, bu hak ancak kredi verenin b\u00fct\u00fcn edimlerini ifa etmi\u015f olmas\u0131,\nt\u00fcketicinin de birbirini izleyen en az iki taksidi \u00f6demede temerr\u00fcde d\u00fc\u015fmesi\nh\u00e2linde kullan\u0131labilir.<\/p>\n\n\n\n
Kredi\nverenin bu hakk\u0131 kullanabilmesi i\u00e7in t\u00fcketiciye en az otuz g\u00fcn s\u00fcre vererek muacceliyet\nuyar\u0131s\u0131nda bulunmas\u0131 zorunludur. Muaccel k\u0131l\u0131nan taksitlerin hesaplanmas\u0131nda\nfaiz, komisyon ve benzeri masraflar dikkate al\u0131nmaz.<\/p>\n\n\n\n
T\u00fcketicinin\nyaz\u0131l\u0131 veya kal\u0131c\u0131 veri saklay\u0131c\u0131s\u0131 arac\u0131l\u0131\u011f\u0131yla a\u00e7\u0131k talebi olmaks\u0131z\u0131n kredi\nile ilgili sigorta yapt\u0131r\u0131lamaz. T\u00fcketicinin sigorta yapt\u0131rmak istemesi\nh\u00e2linde, istedi\u011fi sigorta \u015firketinden sa\u011flad\u0131\u011f\u0131 teminat, kredi veren taraf\u0131ndan\nkabul edilmek zorundad\u0131r. Bu sigortan\u0131n kredi konusuyla, mebla\u011f sigortalar\u0131nda\nkalan bor\u00e7 tutar\u0131yla ve vadesiyle uyumlu olmas\u0131 gerekir.<\/p>\n\n\n\n
Kefalet <\/strong><\/p>\n\n\n\n T\u00fcketici\nKredisi S\u00f6zle\u015fmesi’ ne al\u0131nan \u015fahsi teminatlar adi kefalet<\/strong> h\u00fckm\u00fcndedir, yani as\u0131l bor\u00e7luya gidilip ondan tahsil\nedilemeyen k\u0131s\u0131m i\u00e7in kefile gidilebilir. Uygulamada s\u0131k\u00e7a g\u00f6rd\u00fc\u011f\u00fcm\u00fcz as\u0131l\nbor\u00e7lu ve kefile ayn\u0131 anda gidilmesidir. Bu durumda kefil kendisi aleyhine\nyap\u0131lan i\u015flemlere kar\u015f\u0131 yasal haklar\u0131n\u0131 kullanabilir.<\/p>\n\n\n\n Ayr\u0131ca\nT\u00fcketici Kredisi S\u00f6zle\u015fmesi’ ne kefil olan ki\u015finin kefaletinin ge\u00e7erli\nolabilmesi i\u00e7in, Bor\u00e7lar Kanunu’ nun 583 ve 584 maddelerinde belirtilen\n\u015fartlar\u0131 da ta\u015f\u0131mas\u0131 gerekir. Buna g\u00f6re; kefilin kefalet s\u00f6zle\u015fmesi yaz\u0131l\u0131\nolmal\u0131, kefilin sorumlu olaca\u011f\u0131 azami\nmiktar ve kefalet tarihi kefilin kendi el yaz\u0131s\u0131 ile<\/strong> yazmal\u0131d\u0131r. Ve kefil evli ise e\u015finin r\u0131zas\u0131<\/strong>,\ns\u00f6zle\u015fmeden \u00f6nce ya da s\u00f6zle\u015fme s\u0131ras\u0131nda al\u0131nm\u0131\u015f olmal\u0131d\u0131r, bu \u015fartlar\u0131\nta\u015f\u0131mayan kefalet ge\u00e7ersizdir, sonu\u00e7 do\u011furmaz.<\/p>\n\n\n\n Ba\u011fl\u0131 Krediler<\/strong><\/p>\n\n\n\n Ba\u011fl\u0131\nkredi s\u00f6zle\u015fmesi; t\u00fcketici kredisinin m\u00fcnhas\u0131ran belirli bir mal\u0131n veya\nhizmetin tedarikine ili\u015fkin bir s\u00f6zle\u015fmenin finansman\u0131 i\u00e7in verildi\u011fi ve bu iki\ns\u00f6zle\u015fmenin objektif a\u00e7\u0131dan ekonomik birlik olu\u015fturdu\u011fu s\u00f6zle\u015fmedir.<\/p>\n\n\n\n Ekonomik\nbirli\u011fin varl\u0131\u011f\u0131; <\/p>\n\n\n\n a)\nSat\u0131c\u0131 veya sa\u011flay\u0131c\u0131n\u0131n t\u00fcketici i\u00e7in krediyi finanse etti\u011fi,<\/p>\n\n\n\n b)\n\u00dc\u00e7\u00fcnc\u00fc bir taraf\u00e7a finanse edilmesi durumunda, kredi verenin kredi\ns\u00f6zle\u015fmesinin imzalanmas\u0131 veya haz\u0131rlanmas\u0131 ile ilgili olarak sat\u0131c\u0131 veya\nsa\u011flay\u0131c\u0131n\u0131n hizmetlerinden yararland\u0131\u011f\u0131,<\/p>\n\n\n\n c)\nBelirli bir mal veya hizmetin verilmesinin kredi s\u00f6zle\u015fmesinde a\u00e7\u0131k\u00e7a\nbelirtildi\u011fi, durumlar\u0131ndan en az birinin varl\u0131\u011f\u0131 h\u00e2linde kabul edilir. <\/p>\n\n\n\n T\u00fcketicinin mal veya hizmet tedarikine\nili\u015fkin s\u00f6zle\u015fmeden caymas\u0131 ve buna ili\u015fkin bildirimin cayma s\u00fcresi i\u00e7inde\nayr\u0131ca kredi verene de y\u00f6neltilmesi h\u00e2linde, ba\u011fl\u0131 kredi s\u00f6zle\u015fmesi de herhangi\nbir tazminat veya cezai \u015fart \u00f6deme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc olmaks\u0131z\u0131n sona erer. <\/strong><\/p>\n\n\n\n Ba\u011fl\u0131 kredilerde, mal veya hizmet hi\u00e7 ya\nda gere\u011fi gibi teslim veya ifa edilmez ise<\/strong> sat\u0131c\u0131, sa\u011flay\u0131c\u0131 ve kredi\nveren, t\u00fcketicinin sat\u0131\u015f s\u00f6zle\u015fmesinden d\u00f6nme veya bedelden indirim hakk\u0131n\u0131\nkullanmas\u0131 h\u00e2linde m\u00fcteselsilen sorumludur<\/strong>. T\u00fcketicinin bedelden indirim hakk\u0131n\u0131 kullanmas\u0131 h\u00e2linde ba\u011fl\u0131 kredi de\nbu oranda indirilir ve \u00f6deme plan\u0131 buna g\u00f6re de\u011fi\u015ftirilir<\/strong>. T\u00fcketicinin\ns\u00f6zle\u015fmeden d\u00f6nme hakk\u0131n\u0131 kullanmas\u0131 h\u00e2linde, o g\u00fcne kadar yapm\u0131\u015f oldu\u011fu\n\u00f6demenin iadesi hususunda sat\u0131c\u0131,\nsa\u011flay\u0131c\u0131 ve kredi veren m\u00fcteselsilen<\/strong> sorumludur. Ancak, kredi verenin sorumlulu\u011fu; mal\u0131n teslim\nveya hizmetin ifa edilmedi\u011fi durumlarda sat\u0131\u015f s\u00f6zle\u015fmesinde veya ba\u011fl\u0131 kredi\ns\u00f6zle\u015fmesinde belirtilen mal\u0131n teslim veya hizmetin ifa edilme tarihinden,\nmal\u0131n teslim veya hizmetin ifa edildi\u011fi durumlarda mal\u0131n teslim veya hizmetin\nifa edildi\u011fi tarihten itibaren, kullan\u0131lan kredi miktar\u0131 ile s\u0131n\u0131rl\u0131 olmak\n\u00fczere bir y\u0131ld\u0131r.<\/strong><\/p>\n\n\n\n \u00d6n\u00fcm\u00fczdeki\nhafta konumuz “Konut Finansman\u0131 S\u00f6zle\u015fmeleri” olacakt\u0131r. Gayr\u0131menkul\nal\u0131m i\u015flemlerinde hak kayb\u0131n\u0131n \u00f6n\u00fcne ge\u00e7mek ad\u0131na biraz detayl\u0131 olarak \u00fcst\u00fcnde\ndurulmas\u0131 gereken bir konu.<\/p>\n\n\n\n Sa\u011fl\u0131cakla kal\u0131n, yapt\u0131\u011f\u0131n\u0131z her t\u00fcketici i\u015fleminin belgesini almay\u0131 ihmal etmeyin. <\/p>\n\n\n\n Aysel YILDIZ \/Avukat-Uzla\u015ft\u0131rmac\u0131<\/p>\n\n\n\n avukatayselyildiz@gmail.com<\/p>\n","protected":false},"excerpt":{"rendered":" De\u011ferli okurlar, T\u00fcketici Kredileri, 6025 say\u0131l\u0131 T\u00fcketicinin Korunmas\u0131 Hakk\u0131nda Kanun’un 22 ve 32. maddeleri aras\u0131nda d\u00fczenlenmi\u015ftir. Burada de\u011finilecek olan, temel i\u015flem \u015fartlar\u0131 yan\u0131 s\u0131ra, kefalet ve ba\u011fl\u0131 krediler hususudur. \u00d6ncelikle, T\u00fcketici Kredisi S\u00f6zle\u015fmesi’nin yaz\u0131l\u0131 olarak, en az 12 punto karakterli bir metin ve a\u00e7\u0131k anla\u015f\u0131l\u0131r olmas\u0131 zorunludur ancak yaz\u0131l\u0131 yap\u0131lmam\u0131\u015f olmas\u0131, kredi veren taraf\u0131ndan t\u00fcketici […]<\/p>\n","protected":false},"author":8,"featured_media":125419,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[8,659,5,646],"tags":[29660,29676,29659],"class_list":["post-125418","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analiz","category-egitim","category-gundem","category-kose-yazilari","tag-cayma-hakki","tag-thk-22-ve-32-madde","tag-tuketici-kredileri"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.tvturk.com\/wp-content\/uploads\/2019\/04\/images-para-1.jpg?fit=330%2C153","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-wCS","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/125418","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/comments?post=125418"}],"version-history":[{"count":1,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/125418\/revisions"}],"predecessor-version":[{"id":125420,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/125418\/revisions\/125420"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media\/125419"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=125418"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=125418"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=125418"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}