{"id":18919,"date":"2021-03-03T07:42:37","date_gmt":"2021-03-03T07:42:37","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=18919"},"modified":"2022-06-09T13:20:40","modified_gmt":"2022-06-09T13:20:40","slug":"bankalarin-kredi-kullandirim-ve-erken-odeme-ucretleri-guncellendi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2021\/03\/03\/bankalarin-kredi-kullandirim-ve-erken-odeme-ucretleri-guncellendi\/","title":{"rendered":"Bankalar\u0131n Kredi Kulland\u0131r\u0131m ve Erken \u00d6deme \u00dccretleri G\u00fcncellendi"},"content":{"rendered":"<p><strong>Yeni Geli\u015fme<\/strong><\/p>\n<p>1 Mart 2021 tarih ve 31410 say\u0131l\u0131 Resmi Gazete&#8217;de yay\u0131mlanarak y\u00fcr\u00fcrl\u00fc\u011fe giren Bankalarca Ticari M\u00fc\u015fterilerden Al\u0131nabilecek \u00dccretlere \u0130li\u015fkin Usul ve Esaslar Hakk\u0131nda Tebli\u011f&#8217;de De\u011fi\u015fiklik Yap\u0131lmas\u0131na \u0130li\u015fkin Tebli\u011f (&#8220;<strong>De\u011fi\u015fiklik<\/strong>&#8220;), bankalarca ticari m\u00fc\u015fterilerden talep edilebilecek kredi kulland\u0131r\u0131m \u00fccretleri ve m\u00fc\u015fterilerin kredileri erken \u00f6deme talebinde bulunmas\u0131 halinde talep edilebilecek \u00fccretleri g\u00fcncelledi.<\/p>\n<p><strong>De\u011fi\u015fiklik Ne Anlama Geliyor?<\/strong><\/p>\n<p>De\u011fi\u015fiklik uyar\u0131nca bankalar\u0131n ticari m\u00fc\u015fterilerinden talep edebilecekleri kredi kulland\u0131r\u0131m \u00fccretleri, kulland\u0131r\u0131lan kredinin %1,1&#8217;ini ge\u00e7emeyecek. Bu oran daha \u00f6nce %1 olarak belirlenmi\u015fti.<br \/>\nAyr\u0131ca 1 Mart 2021 tarihinden itibaren kulland\u0131r\u0131lan krediler i\u00e7in istenebilecek azami erken \u00f6deme \u00fccreti a\u015fa\u011f\u0131daki s\u0131n\u0131rlara tabi olacak:<\/p>\n<ul>\n<li>Kalan vadesi yirmi d\u00f6rt ay\u0131 a\u015fmayan ve T\u00fcrk liras\u0131 cinsinden olan kredilerde, erken \u00f6deme nedeniyle yap\u0131lacak gerekli faiz ve di\u011fer maliyet unsurlar\u0131na ili\u015fkin indirimler yap\u0131ld\u0131ktan sonra m\u00fc\u015fteri taraf\u0131ndan bankaya \u00f6denen tutar\u0131n %2&#8217;si;<\/li>\n<li>Kalan vadesi yirmi d\u00f6rt ay\u0131 a\u015fan ve T\u00fcrk liras\u0131 cinsinden olan kredilerde ise, %2&#8217;lik oran \u00fczerine kalan vadenin yirmi d\u00f6rt ay\u0131 a\u015fan k\u0131sm\u0131ndaki her bir y\u0131l i\u00e7in %1 ekleme yap\u0131larak bulunacak tutar.S\u00f6z konusu hesaplamada kalan vadenin yirmi d\u00f6rt ay\u0131 a\u015fan k\u0131sm\u0131ndaki s\u00fcreler y\u0131la tamamlanacak. \u00d6rne\u011fin bankalar, kalan vadesi 25 ay olan bir kredi i\u00e7in %3, kalan vadesi 49 ay olan bir kredi i\u00e7in ise %5 oran\u0131nda erken \u00f6deme \u00fccreti talep edebilecek.<\/li>\n<li>Bankalar d\u00f6viz cinsi veya d\u00f6vize endeksli kredilerde ise T\u00fcrk liras\u0131 krediler i\u00e7in uygulanacak azami \u00fccreti bir puan art\u0131r\u0131ml\u0131 olarak uygulayabilecek.<\/li>\n<\/ul>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>De\u011fi\u015fiklik, bankalar\u0131n ticari m\u00fc\u015fterilerden talep edebilecekleri kredi kulland\u0131r\u0131m ve erken \u00f6deme \u00fccretlerinin tavan\u0131n\u0131 art\u0131rm\u0131\u015f oldu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fme 1 Mart 2021 tarih ve 31410 say\u0131l\u0131 Resmi Gazete&#8217;de yay\u0131mlanarak y\u00fcr\u00fcrl\u00fc\u011fe giren Bankalarca Ticari M\u00fc\u015fterilerden Al\u0131nabilecek \u00dccretlere \u0130li\u015fkin [&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-18919","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>Bankalar\u0131n Kredi Kulland\u0131r\u0131m ve Erken \u00d6deme \u00dccretleri G\u00fcncellendi<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme 1 Mart 2021 tarih ve 31410 say\u0131l\u0131 Resmi Gazete&#039;de yay\u0131mlanarak y\u00fcr\u00fcrl\u00fc\u011fe giren Bankalarca Ticari M\u00fc\u015fterilerden Al\u0131nabilecek \u00dccretlere \u0130li\u015fkin\" \/>\n<meta name=\"robots\" content=\"index, follow, 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