Kamuoyunda “evim \u015firketleri” olarak bilinen tasarruf finansman \u015firketleri hakk\u0131nda Bankac\u0131l\u0131k Denetleme ve D\u00fczenleme Kurumu’na (BDDK) rekor \u015fik\u00e2yet ya\u011fd\u0131. Tasarrufta bulunarak faizsiz konut ve ta\u015f\u0131t sahibi olmaya imk\u00e2n veren bu \u015firketlerin son periyotta oynad\u0131klar\u0131 bir oyun daha ortaya \u00e7\u0131kar\u0131ld\u0131.<\/p>\n
14 G\u00dcN \u0130\u00c7\u0130NDE \u0130ADE ETMELER\u0130 GEREK\u0130YOR FAKAT…<\/b><\/p>\n
\u015eirketler \u00f6rne\u011fin 3 milyon liral\u0131k bir konut ba\u015fvurusu i\u00e7in mukavele esnas\u0131nda y\u00fczde 8 \u00fczerinden vatanda\u015ftan 240 bin lira tertip fiyat\u0131 al\u0131yor. Vatanda\u015f rastgele bir nedenle yapt\u0131\u011f\u0131 kontrattan caymak istemesi durumunda, 14 g\u00fcn i\u00e7erisinde bu paray\u0131 iade etmekle y\u00fck\u00fcml\u00fc olan \u015firketler, ba\u015fvuruyu vaktinde s\u00fcrece koymayarak ma\u011fduriyetlere sebep oluyor. Bir \u00f6b\u00fcr \u015fikayet ise vaadedilen s\u00fcre\u00e7te vatanda\u015flar\u0131n kurada \u00e7\u0131kmamas\u0131.<\/p>\n
VATANDA\u015eLARIN HAKLARI<\/b><\/p>\n
Konut, i\u015f yeri yahut ta\u015f\u0131t i\u00e7in m\u00fc\u015fteriye finansman kullanma, \u015firkete ise m\u00fc\u015fterinin tasarrufunu y\u00f6netme ile tertip fiyat\u0131 alma hakk\u0131 veren, faizsiz finansman as\u0131llar\u0131na nazaran d\u00fczenlenen kontratt\u0131r.<\/p>\n
ORGAN\u0130ZASYON F\u0130YATI NED\u0130R?<\/b><\/p>\n
Organizasyon fiyat\u0131, m\u00fc\u015fterilerin tasarruf finansman mukavelesi \u00e7er\u00e7evesinde tasarruf finansman faaliyeti ve tasarruf fon havuzunun idaresi kar\u015f\u0131l\u0131\u011f\u0131nda tasarruf finansman \u015firketine \u00f6deyecekleri mebla\u011fd\u0131r.<\/p>\n
Cayma hakk\u0131n\u0131 kullanan m\u00fc\u015fterilerin en ge\u00e7 14 g\u00fcn i\u00e7erisinde tertip fiyat\u0131 d\u00e2hil fiyat\u0131n tamam\u0131 m\u00fc\u015fteriye iade edilmesi zaruridir. Ancak 14 g\u00fcn\u00fc ge\u00e7iren cayma m\u00fcracaatlar\u0131nda \u015firket bu fiyat\u0131n iadesini yapmaz. Bireyler \u015firket taraf\u0131ndan oyaland\u0131klar\u0131n\u0131 d\u00fc\u015f\u00fcnd\u00fcklerinde dilek\u00e7elerini notere onaylat\u0131p, m\u00fcracaatlar\u0131n\u0131 teminat alt\u0131na alabilir.<\/p>\n
S\u00f6zle\u015fmede fesih hakk\u0131n\u0131n kullan\u0131lmas\u0131 durumunda tasarrufunun ve varsa tahakkuk etmi\u015f getirisinin iadesi, iade talep tarihinden itibaren azami 6 ay i\u00e7erisinde m\u00fc\u015fterinin g\u00f6sterece\u011fi ismine a\u00e7\u0131lm\u0131\u015f hesaba yat\u0131r\u0131lmak zorundad\u0131r.<\/p>\n
\u00c7EK\u0130L\u0130\u015eLER NOTER HUZURUNDA MI OLMALI<\/b><\/p>\n
\u00c7ekili\u015flerin noter huzurunda yap\u0131lmas\u0131 bir mecbur\u00ee de\u011fildir. Ama uygulamada, \u00e7ekili\u015flerin noter nezaretinde yahut canl\u0131 yay\u0131nda ger\u00e7ekle\u015ftirilmesi yayg\u0131nd\u0131r. Bu durum, m\u00fc\u015fteriler ortas\u0131nda inan\u00e7 sa\u011flamak i\u00e7in de\u011ferli bir uygulama olarak g\u00f6r\u00fclmektedir.<\/p>\n
KURADA \u00c7IKMA GARANT\u0130S\u0130 VAR MI<\/b><\/p>\n
Kurada muhakkak bir vade garantisi bulunabilir. Ama birtak\u0131m m\u00fc\u015fterilerin bu vade m\u00fcddeti i\u00e7inde tahsisat \u00f6demesi alamad\u0131\u011f\u0131 ve y\u0131llarca beklemek zorunda kald\u0131\u011f\u0131 bilinmektedir.<\/p>\n
\u00d6DEME DURDURULDU\u011eUNDA NE OLUR<\/b><\/p>\n
M\u00fc\u015fteri, \u00f6deme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc yerine getirmezse, \u015firket bu durumda finansman \u00f6demesini erteleyebilir yahut mukaveleyi tek tarafl\u0131 olarak feshedebilir. Bu \u00fczere durumlar, m\u00fc\u015fterilerin ma\u011fduriyet ya\u015famas\u0131na neden olmaktad\u0131r.<\/p>\n
2021\u2019DE 21 \u015e\u0130RKET\u0130N KAPATILMASI<\/b><\/p>\n
H\u00fck\u00fcmet, 2021’de faizsiz finansman sisteminde denetimsiz bir halde b\u00fcy\u00fcyen ve m\u00fc\u015fterilere vaat etti\u011fi hizmetleri sunmayan 21 \u015firketi tasfiye etti.\u00a0<\/p>\n
Kapat\u0131lan bu \u015firketler, toplad\u0131klar\u0131 paralar kar\u015f\u0131l\u0131\u011f\u0131nda vatanda\u015flara vaat edilen konut yahut ara\u00e7 teslimat\u0131n\u0131 ger\u00e7ekle\u015ftirmemi\u015fti. Bu durum, kesimde \u00f6nemli bir kontrol bo\u015flu\u011fu oldu\u011funu ve d\u00fczenlemelerin gereklili\u011fini ortaya koydu.<\/p>\n","protected":false},"excerpt":{"rendered":"
Vatanda\u015flar\u0131n faizsiz konut ve ta\u015f\u0131t sahibi olma umuduyla ba\u015fvurdu\u011fu tasarruf finansman \u015firketlerine ait \u015fik\u00e2yetler, Bankac\u0131l\u0131k Denetleme ve D\u00fczenleme Kurumu’nu (BDDK) harekete ge\u00e7irdi. Bilhassa “evim \u015firketleri” olarak bilinen bu firmalar, uygulad\u0131klar\u0131 tertip fiyat\u0131 siyaseti vatanda\u015f\u0131 tuza\u011fa d\u00fc\u015f\u00fcrd\u00fc.<\/p>\n","protected":false},"author":1,"featured_media":19666,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[3824,3825,402,440,1401],"class_list":["post-19665","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-finansman","tag-musteriler","tag-sirket","tag-sozlesme","tag-tasarruf"],"_links":{"self":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/19665","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/comments?post=19665"}],"version-history":[{"count":1,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/19665\/revisions"}],"predecessor-version":[{"id":19667,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/19665\/revisions\/19667"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media\/19666"}],"wp:attachment":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media?parent=19665"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/categories?post=19665"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/tags?post=19665"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}