{"id":28054,"date":"2024-10-01T10:10:34","date_gmt":"2024-10-01T10:10:34","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=28054"},"modified":"2024-10-01T10:10:34","modified_gmt":"2024-10-01T10:10:34","slug":"kredi-kartlarinda-yeni-duzenlemeler","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2024\/10\/01\/kredi-kartlarinda-yeni-duzenlemeler\/","title":{"rendered":"Kredi Kartlar\u0131nda Yeni D\u00fczenlemeler"},"content":{"rendered":"<p><strong>Yeni geli\u015fmeler<\/strong><\/p>\n<p>Kredi Kart\u0131 \u0130\u015flemlerinde Uygulanacak Azami Faiz Oranlar\u0131 Hakk\u0131nda Tebli\u011f\u2019de (Say\u0131: 2020\/16) (\u201c<strong>Tebli\u011f<\/strong>\u201d) De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f (Say\u0131: 2024\/22) (\u201c<strong>De\u011fi\u015fiklik Tebli\u011fi<\/strong>\u201d) 27 Eyl\u00fcl 2024 tarihli Resmi Gazete\u2019de yay\u0131mlanarak y\u00fcr\u00fcrl\u00fc\u011fe girdi. De\u011fi\u015fiklik Tebli\u011fi\u2019ne\u00a0<a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=dTFBVlVhYUY3R0NoVElNWTA0WlI2dEdXSjcyOWNocHdGNUZzdUdlM1dHelNleFQ2TDR0NmZCM1FDY2hLYyszS1VHNnRhLzBZakRkcW5MK2VLRGJHYWRyaTZidmljVGVJNmw3dkJhZjJYWTFFUm8rTUx4R2dhc2JvSEQxNUZaSWI=&amp;rh=ff00d596a74c865f25d89dd2da43be404671486e__;!!Hj9Y_P0nvg!VYXvSkMvnuwjD40tP3h-FWLO4axdOB4GpZSNSoWZh0Vo_xEl61PCpwODh3DAjyKE3NiPbVoXqHHJten9RdekgaHFaw$\">buradan<\/a> ula\u015fabilirsiniz.<\/p>\n<p>Ayr\u0131ca, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulu, 26 Eyl\u00fcl 2024 tarih ve 10972 say\u0131l\u0131 karar\u0131yla (\u201c<strong>BDDK Karar\u0131<\/strong>\u201d) bireysel kredi kart\u0131 bor\u00e7lar\u0131 ve ihtiya\u00e7 kredilerinin yap\u0131land\u0131r\u0131lmas\u0131na ili\u015fkin \u00f6nemli d\u00fczenlemeler getirdi. \u0130lgili BDDK Karar\u0131\u2019na <a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=dTFBVlVhYUY3R0NoVElNWTA0WlI2dEdXSjcyOWNocHdGNUZzdUdlM1dHeEtwNVFsUXpjN2dUaGU2SGxkZUVzYStUT05UZ0I3NHZpTEt1d1gvUzJpdHFFVUZMRTF4aVRzNXVJa0sxd25Iakk9&amp;rh=ff00d596a74c865f25d89dd2da43be404671486e__;!!Hj9Y_P0nvg!VYXvSkMvnuwjD40tP3h-FWLO4axdOB4GpZSNSoWZh0Vo_xEl61PCpwODh3DAjyKE3NiPbVoXqHHJten9RddVv28z-w$\">buradan<\/a> eri\u015febilirsiniz.<\/p>\n<p><strong>De\u011fi\u015fiklik Tebli\u011fi ne getiriyor?<\/strong><br \/>\nDe\u011fi\u015fiklik Tebli\u011fi uyar\u0131nca T\u00fcrk liras\u0131 cinsinden bireysel kredi kart\u0131 i\u015flemlerinde uygulanacak ayl\u0131k azami akdi faiz oran\u0131, d\u00f6nem borcu tutar\u0131 dikkate al\u0131narak kademeli bir \u015fekilde belirlenecek. Bu \u00e7er\u00e7evede, kredi kart\u0131 i\u015flemlerinde ayl\u0131k azami akdi faiz oranlar\u0131,\u00a0Bankalarca Ticari M\u00fc\u015fterilerden Al\u0131nabilecek \u00dccretlere \u0130li\u015fkin Usul ve Esaslar Hakk\u0131nda Tebli\u011f\u2019e (Say\u0131: 2020\/4) g\u00f6re hesaplanarak ilan edilen ayl\u0131k referans orana (\u201c<strong>Referans Oran<\/strong>\u201d) a\u015fa\u011f\u0131daki oranlar\u0131n ilave edilmesiyle bulunacak.<\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"193\"><strong>\u0130\u015flem T\u00fcr\u00fc<\/strong><\/td>\n<td width=\"190\"><strong>D\u00f6nem Borcu (DB) Tutar\u0131<\/strong><\/td>\n<td><strong>Azami Faiz Oran\u0131<\/strong><\/td>\n<\/tr>\n<tr>\n<td rowspan=\"3\" width=\"193\">Bireysel kredi kart\u0131 (TL)<\/td>\n<td width=\"190\">a. DB &lt; 25.000 TL<\/td>\n<td>Referans Oran + 39 baz puan<\/td>\n<\/tr>\n<tr>\n<td width=\"190\">b. 25.000 TL &lt; DB &lt; 150.000 TL<\/td>\n<td>Referans Oran + 114 baz puan<\/td>\n<\/tr>\n<tr>\n<td width=\"190\">c. 150.000 TL &lt; DB<\/td>\n<td>Referans Oran + 164 baz puan<\/td>\n<\/tr>\n<tr>\n<td width=\"193\">Kurumsal kredi kart\u0131 (TL)<\/td>\n<td width=\"190\">&#8211;<\/td>\n<td>Referans Oran + 164 baz puan<\/td>\n<\/tr>\n<tr>\n<td width=\"193\">Kredi kart\u0131 nakit \u00e7ekim veya kullan\u0131m (TL)<\/td>\n<td width=\"190\">&#8211;<\/td>\n<td>Referans Oran + 189 baz puan (1)<\/td>\n<\/tr>\n<tr>\n<td width=\"193\">Kredi kart\u0131 (YP)<\/td>\n<td width=\"190\">&#8211;<\/td>\n<td>(1) x %70 (virg\u00fclden sonra iki haneye yuvarlanacak)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>BDDK Karar\u0131 ne getiriyor?<\/strong><\/p>\n<p>BDDK Karar\u0131 tarihi itibar\u0131yla, d\u00f6nem borcunun \u00f6denmesi gereken asgar\u00ee tutar\u0131 \u00f6denmemi\u015f olan bireysel kredi kartlar\u0131n\u0131n mevcut bor\u00e7 bakiyeleri, kart hamilleri taraf\u0131ndan talep edilmesi durumunda en fazla altm\u0131\u015f ay ile s\u0131n\u0131rl\u0131 olmak \u00fczere ve her aya d\u00fc\u015fen taksit tutar\u0131n\u0131n ilgili ay\u0131n asgari \u00f6deme tutar\u0131na eklenmesi suretiyle yap\u0131land\u0131r\u0131labilecek. Ger\u00e7ekle\u015ftirilen yap\u0131land\u0131rmalarda d\u00f6nem borcunun bir k\u0131sm\u0131n\u0131n \u00f6denmesi halinde, yap\u0131lan \u00f6deme \u00f6ncelikle yap\u0131land\u0131rma taksitinden mahsup edilecek.<\/p>\n<p>Yap\u0131land\u0131rma borcunun %50\u2019si \u00f6deninceye kadar kart hamiline tahsis edilen kredi kartlar\u0131n\u0131n limiti art\u0131r\u0131lamayacak.<\/p>\n<p>Yap\u0131land\u0131rma tutar\u0131n\u0131n kredi kart\u0131 limitini a\u015fmas\u0131 halinde, a\u015fan k\u0131s\u0131m limit a\u015f\u0131m\u0131 olarak de\u011ferlendirilmeyecek.<br \/>\nBDDK Karar\u0131 tarihinden \u00f6nce kulland\u0131r\u0131lan ve BDDK Karar\u0131 tarihi itibar\u0131yla anapara ve\/veya faiz \u00f6demelerinin tahsili otuz g\u00fcnden fazla geciken ihtiya\u00e7 kredilerinin bor\u00e7 bakiyeleri, bor\u00e7lu taraf\u0131ndan BDDK Karar\u0131 tarihinden itibaren bir y\u0131l i\u00e7erisinde talep edilmesi durumunda en fazla altm\u0131\u015f ay ile s\u0131n\u0131rl\u0131 olmak \u00fczere ilave kredi kulland\u0131r\u0131lmaks\u0131z\u0131n yeniden yap\u0131land\u0131r\u0131labilecek.<\/p>\n<p><strong>Ge\u00e7i\u015f s\u00fcreci<\/strong><\/p>\n<p>De\u011fi\u015fiklik Tebli\u011fi \u00e7er\u00e7evesinde hesaplanan oranlar 24 Ekim 2024 tarihinde T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 taraf\u0131ndan ilan edilecek ve ilan edilen bu oranlar 1 Kas\u0131m 2024 tarihinden itibaren ge\u00e7erli olacak. S\u00f6z konusu oranlar\u0131n uygulanmaya ba\u015flanaca\u011f\u0131 tarihe kadar De\u011fi\u015fiklik Tebli\u011fi \u00f6ncesi ge\u00e7erli olan oranlar uygulanmaya devam edecek.<\/p>\n<p>BDDK Karar\u0131 uyar\u0131nca kredi kart\u0131 bor\u00e7lar\u0131n\u0131n yap\u0131land\u0131r\u0131lmas\u0131 halinde uygulanacak ayl\u0131k akdi faiz oran\u0131, Referans Oran\u2019\u0131 a\u015famayacak. S\u00f6z konusu i\u015flemlerde uygulanacak ayl\u0131k azami gecikme faiz oran\u0131 ise Tebli\u011f kapsam\u0131nda belirlenen en y\u00fcksek gecikme faiz oran\u0131 olacak.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni geli\u015fmeler Kredi Kart\u0131 \u0130\u015flemlerinde Uygulanacak Azami Faiz Oranlar\u0131 Hakk\u0131nda Tebli\u011f\u2019de (Say\u0131: 2020\/16) (\u201cTebli\u011f\u201d) De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f (Say\u0131: 2024\/22) [&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-28054","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 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