{"id":152400,"date":"2019-05-03T16:00:50","date_gmt":"2019-05-03T13:00:50","guid":{"rendered":"http:\/\/www.tvturk.com\/?p=152400"},"modified":"2019-05-03T16:00:51","modified_gmt":"2019-05-03T13:00:51","slug":"banka-kredileri","status":"publish","type":"post","link":"http:\/\/www.tvturk.com\/index.php\/banka-kredileri\/","title":{"rendered":"BANKA KRED\u0130LER\u0130"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">De\u011ferli okurlar, <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcketici olarak en \u00e7ok yap\u0131lan i\u015flemlerden biri konut al\u0131rken, bir miktar\u0131n\u0131 nakit olarak \u00f6deyip, kalan\u0131 i\u00e7in bankadan kredi \u00e7ekmektir. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcketicinin alaca\u011f\u0131 evi bulup, finansman\u0131 i\u00e7in banka se\u00e7iminde bulunarak yapt\u0131\u011f\u0131 konut finansman kredi s\u00f6zle\u015fmesi ile; t\u00fcketicinin bir in\u015faat firmas\u0131n\u0131n yapm\u0131\u015f oldu\u011fu konutu, firman\u0131n ba\u011flant\u0131l\u0131 oldu bankadan, konut finansman\u0131 s\u00f6zle\u015fmesi ile almas\u0131n\u0131n hukuki durumu birbirinden farkl\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00fcn\u00fcm\u00fczde \u00f6zellikle proje lansman\u0131 yap\u0131lan, in\u015faat\u0131 dahi yeni ba\u015flam\u0131\u015f konutlar i\u00e7in, y\u00fcklenicinin arac\u0131l\u0131\u011f\u0131 ile uygun imkanl\u0131 -o projeye \u00f6zel- \u015fartlarda kredi kulland\u0131r\u0131larak konut sat\u0131ld\u0131\u011f\u0131 durumlarda <strong>&#8220;ba\u011fl\u0131 kredi&#8221;<\/strong> kavram\u0131 ortaya \u00e7\u0131kar. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir konutun vaad edildi\u011fi \u00f6zellikleri ta\u015f\u0131yacak \u015fekilde, eksiksiz ve ay\u0131ps\u0131z olarak s\u00fcresinde teslim edildi\u011fi durumlarda herhangi bir sorun yoktur. Ancak bahse konu konutun ay\u0131pl\u0131 ve eksik olarak teslim edildi\u011fi ya da hi\u00e7 teslim edilemedi\u011fi durumlarda, ba\u011fl\u0131 kredi ile kredi kulland\u0131ran banka, t\u00fcketicinin sat\u0131c\u0131ya kar\u015f\u0131 kullanabilece\u011fi haklar\u0131ndan sat\u0131c\u0131 ile birlikte m\u00fcteselsilen sorumlu olur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u015e\u00f6yle ki, projeden bir konut ald\u0131n\u0131z ancak vaad edilen tarihte konutunuz teslim edilmedi, s\u00f6zle\u015fmeden d\u00f6nme hakk\u0131n\u0131z\u0131 kulland\u0131n\u0131z, bu durumda \u00f6dedi\u011finiz bedelin iadesinden sat\u0131c\u0131 ve banka m\u00fcteselsilen sorumlu olur. Ancak burada ba\u011fl\u0131 kredi veren banka i\u00e7in zamana\u015f\u0131m\u0131 s\u00fcresi 1 y\u0131ld\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yine ba\u011fl\u0131 kredi ile al\u0131nan bir konutta ay\u0131pl\u0131 ifa oldu\u011funu g\u00f6rd\u00fcn\u00fcz, se\u00e7imlik haklar\u0131n\u0131zdan bedelde indirim talep ettiniz, bu indirilen tutar\u0131n da t\u00fcketiciye geri \u00f6denmesinde ve halen devam eden taksit \u00f6demelerinin bu indirilmi\u015f bedele g\u00f6re g\u00fcncellenmesinden ba\u011fl\u0131 kredi veren banka da m\u00fcteselsilen sorumludur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ba\u011fl\u0131 kredi s\u00f6zle\u015fmelerinin, t\u00fcketiciyi koruyan s\u00f6zle\u015fmelerden oldu\u011fu ve konut al\u0131mlar\u0131nda de\u011ferlendirme yaparken, bir kriter olabilece\u011fi kanaatindeyim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bilin\u00e7li bir t\u00fcketici olarak 2 kavram\u0131 iyi \u00f6\u011frenmek gerekmektedir. Bu konuda yasal destek almak konusunda da \u00f6zenli olmakta fayda vard\u0131r; &#8220;ay\u0131p&#8221; ve &#8220;eksik i\u015f&#8221;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Ay\u0131p&#8221; kavram\u0131na dayal\u0131 olarak yasal haklar\u0131n kullanabilmesi i\u00e7in, t\u00fcketici fark etti\u011finde derhal sat\u0131c\u0131ya bildirimde bulunmal\u0131d\u0131r. Burada, ay\u0131b\u0131n ihbar s\u00fcresi haklar\u0131n kullan\u0131m\u0131 i\u00e7in elzemdir. Yarg\u0131n\u0131n &#8220;a\u00e7\u0131k ay\u0131p&#8221; olarak g\u00f6rd\u00fc\u011f\u00fc bir hususu, mal\u0131n tesliminden 6 ay sonra ileri s\u00fcrmek, &#8220;d\u00fcr\u00fcstl\u00fck kural\u0131&#8221; na ayk\u0131r\u0131 oldu\u011fu i\u00e7in, kabul edilmez. Bahse konu ay\u0131b\u0131n kolayca anla\u015f\u0131labilir olup olmad\u0131\u011f\u0131 ortalama bir t\u00fcketiciye g\u00f6re, de\u011ferlendirilmektedir. Mal\u0131n teslimi an\u0131ndan itibaren zamana\u015f\u0131m\u0131 s\u00fcresi i\u00e7inde sonradan ortaya \u00e7\u0131kan ay\u0131plar\u0131n da\u00a0 derhal sat\u0131c\u0131ya bildirilmesi gerekmektedir. E\u011fer bu bildirim ihmal edilirse, ay\u0131pl\u0131 olarak kabul edildi\u011fi sonucuna var\u0131lmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"> &#8220;Eksik i\u015f&#8221; de ise, T\u00fcrk Bor\u00e7lar Kanunu&#8217; nun Genel H\u00fck\u00fcmleri esas al\u0131nd\u0131\u011f\u0131ndan 10 y\u0131ll\u0131k bir zamana\u015f\u0131m\u0131 s\u00fcresi vard\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Biraz daha &#8220;ay\u0131p&#8221; kavram\u0131n\u0131 \u00f6rneklendirecek olursak,\u00a0 literat\u00fcrde;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Teslim edilen konutun vaad edilen metrekareyi ta\u015f\u0131mamas\u0131, <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Teslim edilen konuta ait projede g\u00f6sterilen spor kompleksinin kamuya a\u00e7\u0131k olmas\u0131,<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Teslim edilen konutun bulundu\u011fu sitedeki havuzun ta\u015fk\u0131n in\u015faat olarak, kamu arazisinde bir b\u00f6l\u00fcm\u00fcn\u00fcn yer almas\u0131,<\/li><li>Kamuya ait park alan\u0131n\u0131n siteye aitmi\u015f gibi projede g\u00f6sterilmi\u015f olmas\u0131,<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ay\u0131p olarak kabul edilmi\u015ftir. Hatta basit bir inceleme ile g\u00f6r\u00fclebilecek nitelikte \u00a0oldu\u011fu ve derhal sat\u0131c\u0131ya bildirilmesi gerekti\u011fi halde, ihmal edildi\u011fi i\u00e7in baz\u0131 t\u00fcketiciler a\u00e7\u0131s\u0131ndan hak kayb\u0131n\u0131n oldu\u011fu \u00f6rneklere rastlanmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00f6r\u00fcld\u00fc\u011f\u00fc \u00fczere, gayr\u0131menkul hukukunun dikkat edilmesi gereken \u00e7ok fazla y\u00f6n\u00fc vard\u0131r, bu nedenle birikimlerimizi korumak ad\u0131na, yapaca\u011f\u0131m\u0131z i\u015flemlere dair i\u015finin uzman\u0131 ki\u015filerden destek almak, en iyisi olacakt\u0131r. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yaz mevsiminin yakla\u015fmas\u0131 nedeni ile, \u00e7evremizde s\u0131k\u00e7a konu\u015fulan &#8220;paket tur&#8221; s\u00f6zle\u015fmeleri bir sonraki yaz\u0131m\u0131z\u0131n konusu olacak. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Sa\u011fl\u0131cakla\nkal\u0131n\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aysel YILDIZ \/Avukat-Uzla\u015ft\u0131rmac\u0131<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">avukatayselyildiz@gmail.com<\/p>\n","protected":false},"excerpt":{"rendered":"<p>De\u011ferli okurlar, T\u00fcketici olarak en \u00e7ok yap\u0131lan i\u015flemlerden biri konut al\u0131rken, bir miktar\u0131n\u0131 nakit olarak \u00f6deyip, kalan\u0131 i\u00e7in bankadan kredi \u00e7ekmektir. T\u00fcketicinin alaca\u011f\u0131 evi bulup, finansman\u0131 i\u00e7in banka se\u00e7iminde bulunarak yapt\u0131\u011f\u0131 konut finansman kredi s\u00f6zle\u015fmesi ile; t\u00fcketicinin bir in\u015faat firmas\u0131n\u0131n yapm\u0131\u015f oldu\u011fu konutu, firman\u0131n ba\u011flant\u0131l\u0131 oldu bankadan, konut finansman\u0131 s\u00f6zle\u015fmesi ile almas\u0131n\u0131n hukuki durumu birbirinden [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":152421,"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":[5],"tags":[34645,34642,34637,34643,34646,34641,34638,34644],"class_list":["post-152400","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gundem","tag-10-yillik-zaman-asimi","tag-ayip-is","tag-banka-kredileri","tag-eksik-is","tag-kamuya-ait-otopark","tag-kredi-sozlesmeleri","tag-projeden-konut-alma","tag-turk-borclar-kanunu"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.tvturk.com\/wp-content\/uploads\/2019\/05\/ev-sat%C4%B1n-alma.jpg?fit=275%2C183","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-DE4","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/152400","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=152400"}],"version-history":[{"count":1,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/152400\/revisions"}],"predecessor-version":[{"id":152424,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/152400\/revisions\/152424"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media\/152421"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=152400"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=152400"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=152400"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}