Yat\u0131r\u0131mc\u0131ya ve vatanda\u015fa y\u00fcksek i\u015flem maliyeti \u00e7\u0131karan bankalar, yeni bir kar kap\u0131s\u0131 daha buldu. Kredi taksitini en fazla bir hafta geciktiren vatanda\u015f\u0131n banka hesab\u0131na bloke konulmaya ba\u015fland\u0131. Baz\u0131 bankalar gecikme faizinin yan\u0131 s\u0131ra hesab\u0131n a\u00e7\u0131lmas\u0131 i\u00e7in 40-50 TL’ye varan bloke \u00fccreti al\u0131yor. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), vatanda\u015flardan gelen \u015fikayetleri dikkate alarak konuyu \u015fube baz\u0131nda incelemeye ald\u0131. Yarg\u0131 paketindeki, ‘ev e\u015fyalar\u0131n\u0131n haciz’ edilemeyece\u011fine ili\u015fkin h\u00fck\u00fcm, bankalar\u0131n tahsilat\u0131n\u0131 olumsuz etkiledi. Bankalar kart aidatlar\u0131, i\u015flem \u00fccretlerine yeni kazan\u00e7 t\u00fcrleri ekledi. Kart uygulamas\u0131 ve i\u015flem \u00fccretlerine ili\u015fkin T\u00fcketiciler Birli\u011fi’ne gelen \u015fikayet ba\u015fvurular\u0131 da 400 bini a\u015fm\u0131\u015f durumda. BDDK verilerine g\u00f6re; bankalar son 3 y\u0131lda sadece kart \u00fccretlerinden yakla\u015f\u0131k 12 milyar liray\u0131 a\u015fk\u0131n gelir elde etti. Bankalar\u0131n kredi kartlar\u0131ndan, mevduat hesaplar\u0131ndan ve bireysel kredilerden ald\u0131klar\u0131 \u00fccret ve komisyonlarla ilgili mevzuatta yasaklay\u0131c\u0131 h\u00fck\u00fcm bulunmuyor. Ancak, bu konuda a\u00e7\u0131lan davalar\u0131n b\u00fcy\u00fck b\u00f6l\u00fcm\u00fc t\u00fcketici lehine sonu\u00e7lan\u0131yor.<\/p>\n
FATURA KABARDI\u00a0<\/strong><\/p>\n BDDK’ya gelen \u015fikayetlerde kart \u00fccretleri ba\u015f\u0131 \u00e7ekerken, bankalar kredi kart\u0131 ve kredi taksitlerinde birka\u00e7 g\u00fcnl\u00fck gecikmede bile faizin yan\u0131 s\u0131ra ekstra faturalar \u00e7\u0131kar\u0131yor. Kredi borcu yat\u0131r\u0131ld\u0131ktan sonra hesap \u00fczerindeki bloke kald\u0131r\u0131l\u0131rken, bunun i\u00e7in de 40-50 TL aras\u0131nda de\u011fi\u015fen \u00fccretler al\u0131n\u0131yor. Baz\u0131 bankalar verdi\u011fi bu \u00fccreti talep eden vatanda\u015flar\u0131 “Dava a\u00e7\u0131n” diyerek kap\u0131dan \u00e7eviriyor.<\/p>\n BANKA, DOSYA MASRAFINI \u0130SPATLAYACAK\u00a0<\/strong><\/p>\n Yarg\u0131tay, kredi al\u0131mlar\u0131nda m\u00fc\u015fteriden talep edilen ‘dosya masraf\u0131’n\u0131n geri \u00f6denmesi gerekti\u011fine h\u00fckmeden yerel mahkeme karar\u0131n\u0131 bozdu. Yarg\u0131tay, bu masraflar\u0131n ne oldu\u011funa a\u00e7\u0131kl\u0131k getirilmesi gerekti\u011fine karar verdi. Bundan b\u00f6yle banka zorunlu masraflar\u0131n ne oldu\u011funu a\u00e7\u0131klamak durumunda kalacak. Bankan\u0131n kredinin verilmesi i\u00e7in zorunlu olan masraflar\u0131 t\u00fcketiciden isteyebilece\u011fini belirten daire, buna kar\u015f\u0131n kredi verilmesi i\u00e7in gereken zorunlu masraflar\u0131n neler oldu\u011fu konusunda ispat y\u00fck\u00fcn\u00fcn bankaya ait oldu\u011funa dikkat \u00e7ekerek, “Aksi halde, di\u011fer \u00fccret ve masraflar ba\u015fl\u0131\u011f\u0131 alt\u0131nda belirlenen bir miktar\u0131n t\u00fcketiciden al\u0131nmas\u0131 haks\u0131z \u015fart olu\u015fturur” dedi.<\/p>\n Takvim<\/p>\n","protected":false},"excerpt":{"rendered":" Yat\u0131r\u0131mc\u0131ya ve vatanda\u015fa y\u00fcksek i\u015flem maliyeti \u00e7\u0131karan bankalar, yeni bir kar kap\u0131s\u0131 daha buldu. Kredi taksitini en fazla bir hafta geciktiren vatanda\u015f\u0131n banka hesab\u0131na bloke konulmaya ba\u015fland\u0131. Baz\u0131 bankalar gecikme faizinin yan\u0131 s\u0131ra hesab\u0131n a\u00e7\u0131lmas\u0131 i\u00e7in 40-50 TL’ye varan bloke \u00fccreti al\u0131yor. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), vatanda\u015flardan gelen \u015fikayetleri dikkate alarak konuyu \u015fube […]<\/p>\n","protected":false},"author":1,"featured_media":6067,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-6065","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/6065","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=6065"}],"version-history":[{"count":0,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/6065\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/media\/6067"}],"wp:attachment":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6065"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6065"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6065"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}