{"id":664,"date":"2016-09-27T10:16:44","date_gmt":"2016-09-27T07:16:44","guid":{"rendered":"http:\/\/www.yusuftur.com.tr\/?p=664"},"modified":"2016-09-27T10:17:39","modified_gmt":"2016-09-27T07:17:39","slug":"bankalarin-kredi-islemlerine-iliskin-yonetmelikte-degisiklik-yapilmasina-dair-yonetmelik-2","status":"publish","type":"post","link":"https:\/\/www.yusuftur.com.tr\/index.php\/bankalarin-kredi-islemlerine-iliskin-yonetmelikte-degisiklik-yapilmasina-dair-yonetmelik-2\/","title":{"rendered":"BANKALARIN KRED\u0130 \u0130\u015eLEMLER\u0130NE \u0130L\u0130\u015eK\u0130N Y\u00d6NETMEL\u0130KTE DE\u011e\u0130\u015e\u0130KL\u0130K YAPILMASINA DA\u0130R Y\u00d6NETMEL\u0130K"},"content":{"rendered":"

T\u00fcketici kredilerinde vade\u00a036 aydan 48 aya \u00e7\u0131kar\u0131ld\u0131.<\/p>\n

27 Eyl\u00fcl 2016 SALI<\/p>\n

Resm\u00ee Gazete<\/strong><\/p>\n

Say\u0131 : 29840<\/p>\n

Y\u00d6NETMEL\u0130K<\/strong><\/p>\n

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumundan:<\/p>\n

BANKALARIN KRED\u0130 \u0130\u015eLEMLER\u0130NE \u0130L\u0130\u015eK\u0130N Y\u00d6NETMEL\u0130KTE<\/p>\n

DE\u011e\u0130\u015e\u0130KL\u0130K YAPILMASINA DA\u0130R Y\u00d6NETMEL\u0130K<\/p>\n

MADDE 1 \u2013<\/strong> 1\/11\/2006 tarihli ve 26333 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan Bankalar\u0131n Kredi \u0130\u015flemlerine \u0130li\u015fkin Y\u00f6netmeli\u011fin 12\/A maddesinin birinci f\u0131kras\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201c(1) T\u00fcketicilere, konut edinmeleri amac\u0131yla kulland\u0131r\u0131lacak kredilerde ve ta\u015f\u0131t kredileri hari\u00e7 konut teminatl\u0131 kredilerde, kredi tutar\u0131n\u0131n teminat olarak al\u0131nan konutun de\u011ferine oran\u0131 y\u00fczde sekseni a\u015famaz. S\u0131n\u0131rlamaya konu krediler i\u00e7in teminat olarak al\u0131nan gayrimenkullerin de\u011ferlemesinin Kurul veya Sermaye Piyasas\u0131 Kurulu taraf\u0131ndan yetkilendirilmi\u015f de\u011ferleme \u015firketlerine yapt\u0131r\u0131lmas\u0131 ve s\u0131n\u0131rlamada bu de\u011ferlerin kullan\u0131lmas\u0131 zorunludur.\u201d<\/p>\n

MADDE 2 \u2013<\/strong> Ayn\u0131 Y\u00f6netmeli\u011fin 12\/A maddesinin \u00fc\u00e7\u00fcnc\u00fc f\u0131kras\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201c(3) Konut edinmeleri ve konut tadilat\u0131 kapsam\u0131nda konutun 22\/11\/2001 tarihli ve 4721 say\u0131l\u0131 T\u00fcrk Medeni Kanununun 684 \u00fcnc\u00fc maddesinde d\u00fczenlenen b\u00fct\u00fcnleyici par\u00e7as\u0131 niteli\u011fini haiz olacak \u015fekilde mal veya hizmet al\u0131m\u0131 amac\u0131yla t\u00fcketicilere kulland\u0131r\u0131lan krediler, konutlar\u0131n finansal kiralama yoluyla t\u00fcketicilere kiralanmas\u0131, di\u011fer gayrimenkul al\u0131m\u0131 ama\u00e7l\u0131 krediler ve e\u011fitim ve \u00f6\u011frenim \u00fccretinin finansman\u0131 amac\u0131yla kulland\u0131r\u0131lacak krediler ile bu kredilerin yeniden finansman\u0131 amac\u0131yla kulland\u0131r\u0131lan krediler hari\u00e7 olmak \u00fczere, t\u00fcketici kredilerinin vadesi k\u0131rk sekiz ay\u0131 a\u015famaz.\u201d<\/p>\n

MADDE 3 \u2013<\/strong> Ayn\u0131 Y\u00f6netmeli\u011fe a\u015fa\u011f\u0131daki ge\u00e7ici madde eklenmi\u015ftir.<\/p>\n

\u201cGE\u00c7\u0130C\u0130 MADDE 2 \u2013 <\/strong>(1) Bu maddenin yay\u0131m\u0131 tarihinden \u00f6nce kulland\u0131r\u0131lan ihtiya\u00e7 kredilerinin bor\u00e7 bakiyeleri, bor\u00e7lu taraf\u0131ndan talep edilmesi durumunda en fazla yetmi\u015f iki ay ile s\u0131n\u0131rl\u0131 olmak \u00fczere yeniden yap\u0131land\u0131r\u0131labilir. Yeniden yap\u0131land\u0131rma kapsam\u0131nda bor\u00e7luya ilave kredi kulland\u0131r\u0131lmas\u0131 halinde ilave kulland\u0131r\u0131lan kredinin vadesi k\u0131rk sekiz ay\u0131 a\u015famaz.\u201d<\/p>\n

MADDE 4 \u2013<\/strong> Bu Y\u00f6netmelik yay\u0131m\u0131 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girer.<\/p>\n

MADDE 5 \u2013<\/strong> Bu Y\u00f6netmelik h\u00fck\u00fcmlerini Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu Ba\u015fkan\u0131 y\u00fcr\u00fct\u00fcr.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Y\u00f6netmeli\u011fin Yay\u0131mland\u0131\u011f\u0131 Resm\u00ee Gazete’nin<\/strong><\/td>\n<\/tr>\n
Tarihi<\/strong><\/td>\nSay\u0131s\u0131<\/strong><\/td>\n<\/tr>\n
1\/11\/2006<\/td>\n26333<\/td>\n<\/tr>\n
Y\u00f6netmelikte De\u011fi\u015fiklik Yapan Y\u00f6netmeliklerin Yay\u0131mland\u0131\u011f\u0131 Resm\u00ee Gazete’nin<\/strong><\/td>\n<\/tr>\n
Tarihi<\/strong><\/td>\nSay\u0131s\u0131<\/strong><\/td>\n<\/tr>\n
1-<\/td>\n2\/2\/2007<\/td>\n26422<\/td>\n<\/tr>\n
2-<\/td>\n12\/11\/2008<\/td>\n27052<\/td>\n<\/tr>\n
3-<\/td>\n12\/11\/2009<\/td>\n27404<\/td>\n<\/tr>\n
4-<\/td>\n30\/7\/2010<\/td>\n27657<\/td>\n<\/tr>\n
5-<\/td>\n30\/4\/2013<\/td>\n28633<\/td>\n<\/tr>\n
6-<\/td>\n11\/7\/2013<\/td>\n28704<\/td>\n<\/tr>\n
7-<\/td>\n31\/12\/2013<\/td>\n28868<\/td>\n<\/tr>\n
8-<\/td>\n25\/11\/2015<\/td>\n29543<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"

T\u00fcketici kredilerinde vade\u00a036 aydan 48 aya \u00e7\u0131kar\u0131ld\u0131.<\/p>\n","protected":false},"author":1,"featured_media":199,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[11,1],"tags":[],"class_list":["post-664","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-genel"],"views":1036,"_links":{"self":[{"href":"https:\/\/www.yusuftur.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/664","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.yusuftur.com.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.yusuftur.com.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.yusuftur.com.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.yusuftur.com.tr\/index.php\/wp-json\/wp\/v2\/comments?post=664"}],"version-history":[{"count":1,"href":"https:\/\/www.yusuftur.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/664\/revisions"}],"predecessor-version":[{"id":665,"href":"https:\/\/www.yusuftur.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/664\/revisions\/665"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.yusuftur.com.tr\/index.php\/wp-json\/wp\/v2\/media\/199"}],"wp:attachment":[{"href":"https:\/\/www.yusuftur.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=664"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.yusuftur.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=664"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.yusuftur.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=664"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}