kredi kart\u0131<\/a>\u00a0i\u015flemlerinde uygulanacak azami faiz oranlar\u0131nda de\u011fi\u015fiklik yap\u0131lmad\u0131\u011f\u0131n\u0131 bildirmi\u015fti.<\/p>\n <\/p>\n
Buna g\u00f6re, kredi kart\u0131 i\u015flemlerinde uygulanacak ayl\u0131k azami akdi faiz oranlar\u0131 T\u00fcrk Liras\u0131 i\u00e7in y\u00fczde 2,34, ayl\u0131k azami gecikme faizi oran\u0131 ise T\u00fcrk Liras\u0131 i\u00e7in y\u00fczde 2,84 olarak devam etmi\u015fti.<\/p>\n
<\/p>\n
Merkez Bankas\u0131’n\u0131n rakamlar\u0131 dikkate al\u0131nd\u0131\u011f\u0131nda y\u00fcksek faiz uygulad\u0131\u011f\u0131 \u00f6ne s\u00fcr\u00fclen s\u00f6z konusu bankan\u0131n, m\u00fc\u015fterilerinin kredi kartlar\u0131na kanunlar\u0131n d\u0131\u015f\u0131nda 2 kattan fazla faiz i\u015fletti\u011fi iddia edildi.<\/p>\n
<\/p>\n
T\u00fcketiciler Birli\u011fi Genel Ba\u015fkan\u0131 Naz\u0131m Kaya, kredi kart\u0131 ekstrelerinde mevzuata ayk\u0131r\u0131 uygulamalar s\u00f6z konusu oldu\u011funu s\u00f6yledi.<\/p>\n
<\/p>\n
Kredi kart\u0131 bor\u00e7lar\u0131na uygulanacak akdi ve gecikme faiz oranlar\u0131n\u0131n \u00fcst limitlerinin her 3 ayda bir Merkez Bankas\u0131 taraf\u0131ndan a\u00e7\u0131kland\u0131\u011f\u0131n\u0131 dile getiren Kaya, \u015f\u00f6yle konu\u015ftu:<\/p>\n
<\/p>\n
”Bankalar bu oran\u0131n alt\u0131nda faiz uygulayabilir, ancak \u00fcst\u00fcne \u00e7\u0131kamaz. Halen ge\u00e7erli olan faiz oranlar\u0131n\u0131 Merkez Bankas\u0131 haziran ay\u0131 sonunda a\u00e7\u0131klad\u0131. Buna ra\u011fmen bir bankan\u0131n kredi kart\u0131 ekstrelerinde ise bu oranlar y\u00fczde 5,25 ve y\u00fczde 6,82 olarak uygulanm\u0131\u015ft\u0131r. 5464 Say\u0131l\u0131 Kanun’un 26. maddesi ile bankalar\u0131n uygulayabilece\u011fi \u00fcst faiz oranlar\u0131n\u0131n Merkez Bankas\u0131 taraf\u0131ndan duyurulaca\u011f\u0131 ve bankalar\u0131n da buna uymas\u0131 gerekti\u011fi h\u00fck\u00fcm alt\u0131na al\u0131nm\u0131\u015f olmas\u0131na ra\u011fmen bankalar keyfi uygulama yaparak hukuk kurallar\u0131n\u0131 \u00e7i\u011fnemektedir. Ancak mevcut ayk\u0131r\u0131l\u0131\u011fa uygulanacak cezai yapt\u0131r\u0131m\u0131n olmay\u0131\u015f\u0131 bankalar\u0131 keyfi uygulamalara itmektedir. Bu nedenle t\u00fcm t\u00fcketiciler kredi kart\u0131 ekstrelerini incelemeli, mevcut orandan y\u00fcksek faiz hesaplanm\u0131\u015f ise itiraz etmelidir.”<\/p>\n
<\/p>\n
”Gerekli mercilere \u015fikayetler yap\u0131lacakt\u0131r”<\/strong><\/p>\nKaya, BDDK’n\u0131n \u00e7\u0131kard\u0131\u011f\u0131 y\u00f6netmeli\u011fe g\u00f6re kredi kart\u0131 asgari \u00f6deme tutar\u0131n\u0131n d\u00f6nem borcunun y\u00fczde 20’sinden a\u015fa\u011f\u0131 olmamas\u0131 gerekti\u011fini dile getirerek, \u015funlar\u0131 kaydetti:<\/p>\n
<\/p>\n
”Buna ra\u011fmen banka, yine hukuk tan\u0131mazl\u0131k yaparak asgari \u00f6deme oran\u0131n\u0131 y\u00fczde 10’a \u00e7ekmi\u015ftir. Bankan\u0131n her iki ayk\u0131r\u0131l\u0131kla sa\u011flamak istedi\u011fi, vatanda\u015f\u0131 bor\u00e7land\u0131rmak, y\u00fcksek faizle gelirini art\u0131rmakt\u0131r. Ancak daha da \u00fcz\u00fcc\u00fc olan\u0131 borcu \u00f6denemez hale getirerek t\u00fcketicinin hayat\u0131na ipotek koymak ve her \u015feyini almak gibi \u00fcz\u00fcc\u00fc sonu\u00e7larla da kar\u015f\u0131la\u015f\u0131yoruz. Kanun d\u00fczenlemelerine ayk\u0131r\u0131 uygulamalar\u0131 nedeniyle ilgili banka hakk\u0131nda gerekli mercilere \u015fikayetler yap\u0131lacakt\u0131r.”<\/p>\n","protected":false},"excerpt":{"rendered":"
Bir bankan\u0131n baz\u0131 m\u00fc\u015fterilerine g\u00f6nderdi\u011fi 1 A\u011fustos 2012 kesim ve 13 A\u011fustos 2012 \u00f6deme tarihli ekstrelerde al\u0131\u015fveri\u015f ile nakit \u00e7ekim faiz oranlar\u0131, y\u00fczde 5,25 olarak g\u00f6r\u00fcn\u00fcyor. Gecikme faiz oran\u0131n\u0131n ise y\u00fczde 6,82 \u015feklinde uyguland\u0131\u011f\u0131 yer al\u0131yor. Ayn\u0131 ekstrelerde \u00f6denmesi gereken asgari tutar ise toplam rakam\u0131n y\u00fczde 10’u olarak g\u00f6steriliyor. Merkez Bankas\u0131 haziran ay\u0131 sonunda yapt\u0131\u011f\u0131 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-5739","post","type-post","status-publish","format-standard","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/5739","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5739"}],"version-history":[{"count":0,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/5739\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5739"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5739"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}