{"id":14506,"date":"2019-02-27T12:16:27","date_gmt":"2019-02-27T12:16:27","guid":{"rendered":"http:\/\/upt.esin.av.tr\/2019\/02\/27\/tuketici-kredilerinde-vade-tavani-arttirildi\/"},"modified":"2022-06-09T12:27:50","modified_gmt":"2022-06-09T12:27:50","slug":"tuketici-kredilerinde-vade-tavani-arttirildi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2019\/02\/27\/tuketici-kredilerinde-vade-tavani-arttirildi\/","title":{"rendered":"T\u00fcketici Kredilerinde Vade Tavan\u0131 Artt\u0131r\u0131ld\u0131"},"content":{"rendered":"<p><strong>Yeni Geli\u015fme<\/strong><\/p>\n<p>Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (\u201c<strong>BDDK<\/strong>\u201d), Bankalar\u0131n Kredi \u0130\u015flemlerine \u0130li\u015fkin Y\u00f6netmelik ile Finansal Kiralama, Faktoring ve Finansman \u015eirketlerinin Kurulu\u015f ve Faaliyet Esaslar\u0131 Hakk\u0131nda Y\u00f6netmelik\u2019te de\u011fi\u015fiklik (&#8220;<strong>De\u011fi\u015fiklik<\/strong>&#8220;) yapt\u0131. De\u011fi\u015fiklik, 26 \u015eubat 2019 tarih ve 30698 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131mlanarak y\u00fcr\u00fcrl\u00fc\u011fe girdi.<\/p>\n<p><strong>De\u011fi\u015fiklik ne getiriyor?<\/strong><\/p>\n<ul>\n<li>Konut edinimleri, konut tadilat\u0131 amac\u0131yla t\u00fcketicilere kulland\u0131r\u0131lacak krediler veya bunlar\u0131n finansal kiralanmas\u0131, di\u011fer gayrimenkul ama\u00e7l\u0131 krediler, e\u011fitim ve \u00f6\u011frenim \u00fccretinin finansman\u0131 amac\u0131yla kulland\u0131r\u0131lacak krediler ve kamu kurum ve kurulu\u015flar\u0131na olan bor\u00e7lar\u0131n finansman\u0131 amac\u0131yla do\u011frudan ilgili kurum veya kurulu\u015fun hesab\u0131na \u00f6deme yap\u0131lmak \u015fart\u0131yla kulland\u0131r\u0131lan krediler ve bunlar\u0131n yeniden finansman\u0131 amac\u0131yla kulland\u0131r\u0131lan krediler d\u0131\u015f\u0131nda, t\u00fcketici kredilerinin vade tavan\u0131 36 ay iken, De\u011fi\u015fiklik ile birlikte vade tavan\u0131 60 aya \u00e7\u0131kart\u0131ld\u0131.<\/li>\n<li>Buna ek olarak, bilgisayar al\u0131m\u0131 amac\u0131yla kulland\u0131r\u0131lacak kredilerin vade tavan\u0131 alt\u0131 aydan 12 aya \u00e7\u0131kart\u0131ld\u0131.<\/li>\n<li>De\u011fi\u015fiklik&#8217;ten \u00f6nce t\u00fcm ta\u015f\u0131t kredileri i\u00e7in vade tavan\u0131 48 ay iken, De\u011fi\u015fiklik ile birlikte ta\u015f\u0131t fiyat\u0131na g\u00f6re bir ayr\u0131m yap\u0131ld\u0131. Bu do\u011frultuda, nihai fatura de\u011feri 120.000 T\u00fcrk Liras\u0131 ve alt\u0131nda olan ta\u015f\u0131t al\u0131m\u0131 i\u00e7in kulland\u0131r\u0131lan kredilerinin vadesi 60 ay\u0131, nihai fatura de\u011feri 120.000 T\u00fcrk Liras\u0131n\u0131n \u00fczerinde olan ta\u015f\u0131t al\u0131m\u0131 i\u00e7in kulland\u0131r\u0131lan kredilerin vadesi ise 48 ay\u0131 ge\u00e7emeyecek.<\/li>\n<li>Ayr\u0131ca, De\u011fi\u015fiklik ile eklenen ge\u00e7ici madde uyar\u0131nca 26 \u015eubat 2019 tarihinden \u00f6nce kulland\u0131r\u0131lan ihtiya\u00e7 kredilerinin bor\u00e7 bakiyeleri, bor\u00e7lu taraf\u0131ndan talep edilmesi halinde en fazla 60 aya kadar vade ile yeniden yap\u0131land\u0131r\u0131labilecek.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fme Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (\u201cBDDK\u201d), Bankalar\u0131n Kredi \u0130\u015flemlerine \u0130li\u015fkin Y\u00f6netmelik ile Finansal Kiralama, Faktoring ve Finansman \u015eirketlerinin [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","footnotes":""},"categories":[120],"tags":[90],"class_list":["post-14506","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-banking-finance-tr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>T\u00fcketici Kredilerinde Vade Tavan\u0131 Artt\u0131r\u0131ld\u0131<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (\u201cBDDK\u201d), Bankalar\u0131n Kredi \u0130\u015flemlerine \u0130li\u015fkin Y\u00f6netmelik ile Finansal Kiralama, Faktoring ve\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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