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{"id":1302,"date":"2015-12-31T13:29:51","date_gmt":"2015-12-31T13:29:51","guid":{"rendered":"http:\/\/bankakredinotu.net\/?p=1302"},"modified":"2017-08-31T20:54:36","modified_gmt":"2017-08-31T17:54:36","slug":"merkez-bankasi-kara-liste-sorgulama","status":"publish","type":"post","link":"https:\/\/bankakredinotu.net\/merkez-bankasi-kara-liste-sorgulama-1302","title":{"rendered":"Merkez Bankas\u0131 Kara Liste Sorgulama"},"content":{"rendered":"

Merkez Bankas\u0131 Kara Liste Sorgulama–<\/strong>Bankalar\u0131n uygun kredi<\/strong> ko\u015fullar\u0131 ve m\u00fc\u015fterilerin sa\u011flad\u0131klar\u0131 kolayl\u0131klar baz\u0131 durumlarda kullan\u0131c\u0131n\u0131n olumsuz davran\u0131\u015flar\u0131 neticesinde m\u00fc\u015fterinin aleyhine bir rol oynayabilmektedir. Bu durumlar krediyi alan \u015fahs\u0131n kredi \u00f6demelerinde d\u00fczeni sa\u011flayamamas\u0131 bor\u00e7 \u00f6demelerini geciktirmesi veya \u00f6deyememesi \u015feklindedir.<\/p>\n

—–G\u00fcncelleme—<\/p>\n

Kara Liste sorgulamas\u0131 ad\u0131nda resmi bir site yok olup b\u00f6yle bir hizmet verilememektedir. Kullan\u0131c\u0131lar resmi olarak kara listede olup olmad\u0131klar\u0131n\u0131 \u00f6\u011frenmeleri ancak bankalar taraf\u0131ndan g\u00f6r\u00fclmektedir.<\/p>\n

Ancak Ki\u015fi T\u00fcrkiye Bankalar Birli\u011fi resmi bir hizmeti olan Risk Merkezinde risk raporu al\u0131narak ge\u00e7mi\u015fi g\u00f6r\u00fclmekte burada risk raporunun k\u00f6t\u00fc olmas\u0131 zaten kredi alamayaca\u011f\u0131n\u0131z anlam\u0131na gelmektedir. Resmi olarak kara listede olup olmad\u0131\u011f\u0131n\u0131z\u0131 \u00f6\u011frenmek i\u00e7in Bir bankaya kredi ba\u015fvurusunda veya kara listede olup olmad\u0131\u011f\u0131n\u0131z\u0131 sorgulama istedi\u011finizi belirtin.<\/p>\n

—–G\u00fcncelleme—<\/p>\n

 <\/p>\n

\u015eah\u0131slar\u0131n bu davran\u0131\u015flar\u0131 kendilerinin yasal takibe<\/em> al\u0131nmas\u0131na yol a\u00e7maktad\u0131r. \u00d6zellikle bankalarla hukuki s\u00fcre\u00e7lere giren \u015fah\u0131slar i\u00e7in bu durum kara liste<\/strong>ye al\u0131nmalar\u0131na yol a\u00e7maktad\u0131r. Bunun sonucunda ki\u015filer bankalardan kredi alamazlar ve bankalar<\/a>\u0131n kredi kartlar\u0131n\u0131 kullanamazlar. Kredi kullan\u0131c\u0131lar\u0131n \u00f6demelerinde yapt\u0131klar\u0131 en ufak aksakl\u0131klar kara listeye girmelerine neden olabilir fakat kara listeye al\u0131nan \u015fah\u0131slar\u0131n kara listeden \u00e7\u0131kmalar\u0131 olduk\u00e7a zor ve a\u011f\u0131r bir s\u00fcreci kapsar. Bir kez bire kara listeye girmi\u015f olunsa bile bu ki\u015filerin finansal sicillerinde her zaman g\u00f6r\u00fcl\u00fcr ve daha sonraki finansal i\u015flemlerinde ki\u015filere zorluk \u00e7\u0131karabilir. Bu noktada Merkez Bankas\u0131 kara liste sorgulama <\/strong>konusu \u00f6nemlidir. Merkez bankas\u0131 veritaban\u0131 kredi vermeye yetkili kurumlar ve bankalar\u0131n ula\u015f\u0131m\u0131na a\u00e7\u0131kt\u0131r. Bunun yan\u0131 s\u0131ra \u015fah\u0131slarda belirli kurumlar arac\u0131l\u0131\u011f\u0131 ile bu sorgulamada kendileriyle ilgili bilgilere ula\u015fabilirler. Bunun nedeni Merkez Bankas\u0131<\/strong>\u2019n\u0131n kamu kurum ve kurulu\u015flar\u0131nda yer alan niteliklere sahip olmas\u0131d\u0131r. Ger\u00e7ek ve t\u00fczel ki\u015filer kendi bilgilerini talep edebilirler. Bilgi edinme kayna\u011f\u0131 internet destekli bir platformlardan hen\u00fcz sa\u011flanamad\u0131\u011f\u0131 i\u00e7in bilgi almak isteyenler dilek\u00e7e ile elden veya posta yolu ile ileti\u015fim sa\u011flayarak bilgi alabilmektedirler. Kara liste<\/span> 2014 y\u0131l\u0131nda Merkez Bankas\u0131 sorumlulu\u011fundan TBB Risk Merkezi<\/em>\u2019ne devrolmu\u015ftur. Merkez Bankas\u0131 kara liste sorgulama konusunda yukar\u0131da belirtilen y\u00f6ntem d\u0131\u015f\u0131nda di\u011fer y\u00f6ntemler ise; ba\u015fvuru yaparak \u00f6\u011frenme ve Risk Merkezi raporu<\/strong> ile \u00f6\u011frenmedir. Ba\u015fvuru yaparak \u00f6\u011frenmede kastedilen herhangi bir banka bireysel m\u00fc\u015fteri temsilcisi ile g\u00f6r\u00fc\u015f\u00fclmesi ve bankadan kredi talep edilmesidir.<\/p>\n

\"Merkez<\/a><\/p>\n

Banka bireysel m\u00fc\u015fteri temsilcisi kredi iste\u011finiz \u00fczerine ufak bir ara\u015ft\u0131rma ile sizin finansal sicilinizi sorgulayabilir ve olumsuz bir durumda sizin kara listede oldu\u011funuzu ve kredi kullanamayaca\u011f\u0131n\u0131z\u0131 s\u00f6yleyebilir. Risk raporu<\/strong> ile kara liste<\/strong> sorgulamas\u0131<\/em> baz\u0131 bankalardan sa\u011flanabilmektedir. Bu bankalara gidip risk raporunuzu bankadan isteyip \u00fccretsiz olarak al\u0131p durumunuzu \u00f6\u011frenebilirsiniz.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Merkez Bankas\u0131 Kara Liste Sorgulama–Bankalar\u0131n uygun kredi ko\u015fullar\u0131 ve m\u00fc\u015fterilerin sa\u011flad\u0131klar\u0131 kolayl\u0131klar baz\u0131 durumlarda kullan\u0131c\u0131n\u0131n olumsuz davran\u0131\u015flar\u0131 neticesinde m\u00fc\u015fterinin aleyhine bir rol oynayabilmektedir. Bu durumlar Devam\u0131n\u0131 Okuyun…<\/span><\/a><\/p>\n<\/div>","protected":false},"author":9,"featured_media":1304,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,1],"tags":[121,244,24,245,22],"yoast_head":"\nMerkez Bankas\u0131 Kara Liste Sorgulama<\/title>\n<meta name=\"description\" content=\"Merkez Bankas\u0131 Kara Liste Sorgulama-Bankalar\u0131n uygun kredi ko\u015fullar\u0131 ve m\u00fc\u015fterilerin sa\u011flad\u0131klar\u0131 kolayl\u0131klar baz\u0131 durumlarda kullan\u0131c\u0131n\u0131n olumsuz\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bankakredinotu.net\/merkez-bankasi-kara-liste-sorgulama-1302\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkez Bankas\u0131 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