{"id":19781,"date":"2021-07-27T11:16:32","date_gmt":"2021-07-27T11:16:32","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=19781"},"modified":"2022-06-09T13:24:03","modified_gmt":"2022-06-09T13:24:03","slug":"cerceve-anlasmalarda-esasli-degisiklikler","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2021\/07\/27\/cerceve-anlasmalarda-esasli-degisiklikler\/","title":{"rendered":"\u00c7er\u00e7eve Anla\u015fmalarda Esasl\u0131 De\u011fi\u015fiklikler"},"content":{"rendered":"<p><strong>Yeni Geli\u015fme<\/strong><\/p>\n<p>T\u00fcrkiye Bankalar Birli\u011fi 2021 y\u0131l\u0131 Temmuz ay\u0131nda finansal yeniden yap\u0131land\u0131rma \u00e7er\u00e7eve anla\u015fmalar\u0131n\u0131 hem b\u00fcy\u00fck \u00f6l\u00e7ekli (&#8220;<strong>B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma<\/strong>&#8220;) hem de k\u00fc\u00e7\u00fck \u00f6l\u00e7ekli (&#8220;<strong>K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma<\/strong>&#8220;) bor\u00e7lular i\u00e7in tadil etti. \u00c7er\u00e7eve anla\u015fmalar\u0131n geli\u015fimine ili\u015fkin b\u00fcltenlerimize a\u015fa\u011f\u0131daki ba\u011flant\u0131lardan ula\u015fabilirsiniz:<\/p>\n<ul>\n<li><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=QmZVRFNXWHZUWUVxYU52ZTRRRyt5VTFsVER2d000dXk1cUord0NEK1dld1lNLzVaZVdZa04rcU1MOFoyU28zUzJrMGpSeWFOZkNFYmRackViWVZSeUgzcnR2RlZTdEdNQzhVRXRtc3RrY0k3ajM5aWRML3l4UWpxNTdNZnhGa055M1paNTRVc1NCTnR0b2hRbjZyN1hLTGdkaGF5R2thU2oyUWd3SWo3N2lZPQ==&amp;rh=ff007e61e0ff22b7fc788b71f0478e643404968f__;!!Hj9Y_P0nvg!F7UOKPcBi9G4kc11nt-6eJsPUF2aJBE9AgPg35FuiAI-NGGLrOLVBy7fF1lFJDicgfY$\">KOB\u0130\u2019ler i\u00e7in Yeni Finansal Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131 &#8211; Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131<\/a><\/li>\n<li><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=QmZVRFNXWHZUWUVxYU52ZTRRRyt5VTFsVER2d000dXk1cUord0NEK1dld1lNLzVaZVdZa04rcU1MOFoyU28zUzJrMGpSeWFOZkNHZjNsV3hpQSt3RHU0ZElvQTIzNGZ5U0xCRkpsalN5THRGeXc5V1EwdjJiUzBEYVFCR1RDU1RVcmhaN1lCamtORGFCN2w0bTRXSit1bEoycXdGWUJFMA==&amp;rh=ff007e61e0ff22b7fc788b71f0478e643404968f__;!!Hj9Y_P0nvg!F7UOKPcBi9G4kc11nt-6eJsPUF2aJBE9AgPg35FuiAI-NGGLrOLVBy7fF1lFcPUG-5c$\">Finansal Yap\u0131land\u0131rma ile \u0130lgili \u00d6nemli De\u011fi\u015fiklikler &#8211; Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131<\/a><\/li>\n<li><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=QmZVRFNXWHZUWUVxYU52ZTRRRyt5VTFsVER2d000dXk1cUord0NEK1dld1lNLzVaZVdZa04rcU1MOFoyU28zUzJrMGpSeWFOZkNGaW9qazhIb2VBNzBLMGFzYlBNUThxakh6VTg0Q01STFJLNUF4cGthWTUrYUZWMTlTRkYxQnU1S2s1MUxzWGtTTTNvd3NoNkhacyt5eTMrdkVYci9LQy9MOUg2R3RtM0JrPQ==&amp;rh=ff007e61e0ff22b7fc788b71f0478e643404968f__;!!Hj9Y_P0nvg!F7UOKPcBi9G4kc11nt-6eJsPUF2aJBE9AgPg35FuiAI-NGGLrOLVBy7fF1lF_Acdk1g$\">Finansal Yeniden Yap\u0131land\u0131rma \u00c7er\u00e7eve Anla\u015fmas\u0131 De\u011fi\u015fiyor &#8211; Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131<\/a><\/li>\n<li><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=QmZVRFNXWHZUWUVxYU52ZTRRRyt5VTFsVER2d000dXk1cUord0NEK1dld1lNLzVaZVdZa04rcU1MOFoyU28zUzJrMGpSeWFOZkNHYi9nYnB4ODFWNThjdUJNNHZOcmRwdTcwNDUzWUxYU0phYzNGZ1hNMjBFT0NVZUxBcTRsM1RueUw3ZGx3cnVjd29KcDExdmRuc2dRdDVSL05qWVNlMUhHbDJBR2c0SkZJVUdOUWFJbWt6OTdMbDIwV3B0a241UWE1cFYzZE9NWDg9&amp;rh=ff007e61e0ff22b7fc788b71f0478e643404968f__;!!Hj9Y_P0nvg!F7UOKPcBi9G4kc11nt-6eJsPUF2aJBE9AgPg35FuiAI-NGGLrOLVBy7fF1lFyOEd5so$\">Finansal Yeniden Yap\u0131land\u0131rmada \u00d6nemli De\u011fi\u015fiklikler &#8211; Yabanc\u0131 Bankalar Oyuna D\u00f6nd\u00fc! &#8211; Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131<\/a><\/li>\n<li><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=QmZVRFNXWHZUWUVxYU52ZTRRRyt5VTFsVER2d000dXk1cUord0NEK1dld1lNLzVaZVdZa04rcU1MOFoyU28zUzJrMGpSeWFOZkNGUnhMTUpHUlRxOGFoTFNwbnN3Y3FoYUJNaWNTTHFMQVdjb1dIaVFXSWRWYVpWN0Yyc1R0M042YnNwSzJzaUh1SVphbmtDWjNuUkdjcjM0TzYydldHQlFEUzV3dC9SZUxFU2YxdjBwUXRFSlE9PQ==&amp;rh=ff007e61e0ff22b7fc788b71f0478e643404968f__;!!Hj9Y_P0nvg!F7UOKPcBi9G4kc11nt-6eJsPUF2aJBE9AgPg35FuiAI-NGGLrOLVBy7fF1lFuhJFK_g$\">T\u00fcrkiye&#8217;de Finansal Yeniden Yap\u0131land\u0131rma &#8211; Yabanc\u0131 Bankalar Oyuna D\u00f6n\u00fcyor! &#8211; Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131<\/a><\/li>\n<li><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=QmZVRFNXWHZUWUVxYU52ZTRRRyt5VTFsVER2d000dXk1cUord0NEK1dld1lNLzVaZVdZa04rcU1MOFoyU28zUzJrMGpSeWFOZkNHV1NKcGVYWFVDdXBqQWluems5NTFPdGlIbVZhSlp6RWR4WDdqVmRsZmRsc0w1Y0VFMzhFWk1WR0Zxd1R0SlJxRUlVVk1sL2pFT29BSkNMdU14eXIrWUc3WXFLOWFDa0tSZHh4MkVQMG11UWdLeDJ6cmRTVjB0&amp;rh=ff007e61e0ff22b7fc788b71f0478e643404968f__;!!Hj9Y_P0nvg!F7UOKPcBi9G4kc11nt-6eJsPUF2aJBE9AgPg35FuiAI-NGGLrOLVBy7fF1lFeGHfmP0$\">Finansal Yeniden Yap\u0131land\u0131rmalara \u0130li\u015fkin \u00c7er\u00e7eve Anla\u015fmas\u0131 Y\u00fcr\u00fcrl\u00fc\u011fe Girdi &#8211; Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131<\/a><\/li>\n<\/ul>\n<p><strong>De\u011fi\u015fiklik Ne Getiriyor?<\/strong><\/p>\n<ul>\n<li>25 milyon TL olan finansal bor\u00e7 toplam\u0131 s\u0131n\u0131r\u0131 100 milyon TL&#8217;ye y\u00fckseltildi. Buna g\u00f6re; B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma finansal bor\u00e7 toplam\u0131 100 milyon TL veya daha fazla olan bor\u00e7lulara uygulan\u0131rken K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma finansal bor\u00e7 toplam\u0131 100 milyon TL\u2019den az olan bor\u00e7lulara uygulanacak.<\/li>\n<li>Ek teminatlar\u0131n di\u011fer alacakl\u0131lar lehine tesis edilmesine, s\u00f6z konusu teminatlardan yararlanamayacak olan alacakl\u0131 kurulu\u015flar taraf\u0131ndan r\u0131za g\u00f6sterilmedik\u00e7e, bu teminatlar\u0131n t\u00fcm alacakl\u0131 kurulu\u015flar lehine kurulmas\u0131 gerekecek. Bununla birlikte, B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma kapsam\u0131nda<br \/>\nilave bir kredi verilmesi planlan\u0131yor ve sadece bu ilave kredi riski kapsam\u0131nda ek teminat<br \/>\nal\u0131n\u0131yorsa yukar\u0131da belirtilen onay aranmayacak.<\/li>\n<li>De\u011fi\u015fiklikler; en az 2\/3 alacak \u00e7o\u011funlu\u011funu temsil eden alacakl\u0131 kurulu\u015flar\u0131n ve en az iki alacakl\u0131 kurulu\u015fun onay\u0131yla belirlenecek bir oran\u0131n alt\u0131nda garame pay\u0131na sahip baz\u0131 alacakl\u0131lara genel yap\u0131land\u0131rma plan\u0131ndan farkl\u0131 \u00f6deme plan\u0131ndan yararlanma imkan\u0131 getiriyor.<\/li>\n<li>B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma&#8217;ya \u00f6zg\u00fc yap\u0131lan ek de\u011fi\u015fiklikler uyar\u0131nca; (i) faiz oran\u0131, alacakl\u0131 kurulu\u015flar\u0131n yeniden yap\u0131land\u0131r\u0131lacak toplam alacaklar\u0131n\u0131n en az 2\/3\u2019\u00fcne sahip birden fazla say\u0131daki alacakl\u0131 kurulu\u015fun olumlu oyu ile belirlenebilecek; ancak bor\u00e7lunun yeniden yap\u0131land\u0131rma ba\u015fvurusu tarihinde ge\u00e7erli olan TLREF faiz oran\u0131n\u0131n y\u00fczde 75\u2019inden daha d\u00fc\u015f\u00fck faiz oran\u0131 uygulanabilmesi, alacakl\u0131 kurulu\u015flar\u0131n yeniden yap\u0131land\u0131r\u0131lacak toplam alacaklar\u0131n\u0131n en az y\u00fczde 90\u2019\u0131na sahip olan birden fazla say\u0131daki kurulu\u015fun onay\u0131n\u0131 gerektirecek ve (iii) teminat \u00e7\u00f6zme, ilave kredi kulland\u0131r\u0131m\u0131 ve anapara indirimi gibi \u00f6zellikli konular d\u0131\u015f\u0131nda kalan konulardan al\u0131nacak kararlar i\u00e7in oylamalar\u0131n, oylamay\u0131 takip eden 10 i\u015f g\u00fcn\u00fc i\u00e7inde tamamlanmas\u0131 gerekecek.<\/li>\n<li>B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma&#8217;da yap\u0131lan de\u011fi\u015fiklikler kapsam\u0131nda devam eden finansal yeniden yap\u0131land\u0131rmalara ili\u015fkin m\u00fczakerelerin tamamlanmas\u0131 i\u00e7in ilave 180 g\u00fcn, daha \u00f6nceki ba\u015fvurular\u0131 1 Mart 2020&#8217;den beri tamamlanamad\u0131\u011f\u0131 i\u00e7in ba\u015fvuru hakk\u0131 bulunmayan bor\u00e7lular\u0131n m\u00fczakerelerini tamamlayabilmesi i\u00e7in ise ilave 60 g\u00fcn s\u00fcre veriliyor.<\/li>\n<li>Vade, \u00f6demesiz d\u00f6nem ve faiz oranlar\u0131 gibi K\u00fc\u00e7\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve Anla\u015fma&#8217;ya uygulanan parametreler de g\u00fcncellendi. Sabit veya de\u011fi\u015fken faiz oranlar\u0131 bor\u00e7lular\u0131n tercihine g\u00f6re se\u00e7ilebilecek.<\/li>\n<\/ul>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>\u0130ki y\u0131l kadar s\u00fcren yo\u011fun finansal yap\u0131land\u0131rma faaliyeti sonucunda, \u00e7er\u00e7eve anla\u015fmalar piyasada olu\u015fan standartlar dikkate al\u0131narak g\u00fcncellenmi\u015f oldu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fme T\u00fcrkiye Bankalar Birli\u011fi 2021 y\u0131l\u0131 Temmuz ay\u0131nda finansal yeniden yap\u0131land\u0131rma \u00e7er\u00e7eve anla\u015fmalar\u0131n\u0131 hem b\u00fcy\u00fck \u00f6l\u00e7ekli (&#8220;B\u00fcy\u00fck \u00d6l\u00e7ekli \u00c7er\u00e7eve [&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-19781","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>\u00c7er\u00e7eve Anla\u015fmalarda Esasl\u0131 De\u011fi\u015fiklikler<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme T\u00fcrkiye Bankalar Birli\u011fi 2021 y\u0131l\u0131 Temmuz ay\u0131nda finansal yeniden yap\u0131land\u0131rma \u00e7er\u00e7eve anla\u015fmalar\u0131n\u0131 hem b\u00fcy\u00fck \u00f6l\u00e7ekli (&quot;B\u00fcy\u00fck \u00d6l\u00e7ekli\" \/>\n<meta name=\"robots\" content=\"index, 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