{"id":14599,"date":"2018-08-16T12:35:12","date_gmt":"2018-08-16T12:35:12","guid":{"rendered":"http:\/\/upt.esin.av.tr\/2018\/08\/16\/tuketici-kredilerine-iliskin-degisiklikler\/"},"modified":"2022-06-09T12:15:06","modified_gmt":"2022-06-09T12:15:06","slug":"tuketici-kredilerine-iliskin-degisiklikler","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2018\/08\/16\/tuketici-kredilerine-iliskin-degisiklikler\/","title":{"rendered":"T\u00fcketici Kredilerine \u0130li\u015fkin De\u011fi\u015fiklikler"},"content":{"rendered":"<h4>Yeni Geli\u015fmeler<\/h4>\n<p>Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun (\u201c<b>BDDK<\/b>\u201d), t\u00fcketici kredilerinin vade tavanlar\u0131n\u0131 yeniden d\u00fczenlemek ve bu t\u00fcr kredilere yeniden yap\u0131land\u0131rma imk\u00e2n\u0131 tan\u0131mak amac\u0131yla 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 yapt\u0131\u011f\u0131 de\u011fi\u015fiklikler 15 A\u011fustos 2018 tarih ve 30510 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131mland\u0131. S\u00f6z konusu de\u011fi\u015fiklikler, 1 Eyl\u00fcl 2018 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girecek.<\/p>\n<h4>De\u011fi\u015fiklikler ne getiriyor?<\/h4>\n<ul id=\"l1\">\n<li>Konut edinimleri, konut tadilat\u0131 amac\u0131yla t\u00fcketicilere kullan\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 48 ay iken, yeni tavan 36 ay olacak.<\/li>\n<li>Buna ek olarak, ta\u015f\u0131t kredileri ile ta\u015f\u0131t teminatl\u0131 kredilerin vadesi 48 ay\u0131, cep telefonu, tablet ve bilgisayar al\u0131m\u0131 amac\u0131yla kulland\u0131r\u0131lacak kredilerin vadesi ise 6 ay\u0131 a\u015famayacak. Kredilerin yeniden yap\u0131land\u0131r\u0131lmas\u0131nda da ayn\u0131 vade limitleri uygulanacak.<\/li>\n<li>Buna ek olarak, ilgili de\u011fi\u015fikliklerin 1 Eyl\u00fcl 2018 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girecek olmas\u0131 sebebiyle her iki y\u00f6netmeli\u011fe de ge\u00e7ici madde eklendi. Bu madde uyar\u0131nca, 1 Eyl\u00fcl 2018\u2019den \u00f6nce kulland\u0131r\u0131lan t\u00fcketici kredilerinin bor\u00e7 bakiyeleri, bor\u00e7lunun 1 Eyl\u00fcl 2018\u2019den itibaren bir y\u0131l i\u00e7inde talep etmesi durumunda en fazla 48 ay ile s\u0131n\u0131rl\u0131 olarak yeniden yap\u0131land\u0131r\u0131labilecek. Yeniden yap\u0131land\u0131rma kapsam\u0131nda bor\u00e7luya ilave kredi kulland\u0131r\u0131lmas\u0131 durumunda ise, s\u00f6z konusu ilave kredinin vadesi 36 ay\u0131 a\u015famayacak.<\/li>\n<\/ul>\n<h4>Sonu\u00e7<\/h4>\n<p>BDDK\u2019n\u0131n s\u00f6z konusu y\u00f6netmeliklerde yapt\u0131\u011f\u0131 de\u011fi\u015fiklik uyar\u0131nca, belli t\u00fcketici kredileri haricinde, t\u00fcketici kredilerindeki en uzun vade se\u00e7ene\u011fi 36 ay ile s\u0131n\u0131rland\u0131r\u0131ld\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fmeler Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun (\u201cBDDK\u201d), t\u00fcketici kredilerinin vade tavanlar\u0131n\u0131 yeniden d\u00fczenlemek ve bu t\u00fcr kredilere yeniden yap\u0131land\u0131rma [&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-14599","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 Kredilerine \u0130li\u015fkin De\u011fi\u015fiklikler<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fmeler Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun (\u201cBDDK\u201d), t\u00fcketici kredilerinin vade tavanlar\u0131n\u0131 yeniden d\u00fczenlemek ve bu t\u00fcr kredilere\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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