Hayat Sigortas\u0131<\/strong> ile kredi alan ki\u015finin vefat etmesi durumunda b\u00fct\u00fcn kredi bor\u00e7lar\u0131 hayat sigortas\u0131 taraf\u0131ndan \u00f6denmektedir.<\/p>\n\u00d6rne\u011fin 70 ya\u015f \u00fczeri vatanda\u015flara kredi veren bankalar<\/em> \u00e7ok azd\u0131r, Bunun en temel nedenide ki\u015finin vefat etme riskinin y\u00fcksek olmas\u0131 nedeniyle ve hayat sigortas\u0131 b\u00f6yle bir riski tercih etmedi\u011fi i\u00e7in bu ya\u015f ve \u00fczerinde ki ki\u015filer kredi almakta olduk\u00e7a zorlanmaktad\u0131r.<\/p>\n\u00d6len ki\u015finin kredi borcu<\/strong>, tamam\u0131 ile hayat sigortas\u0131 taraf\u0131ndan \u00f6denmektedir. Ayr\u0131ca \u00f6denen taksitlerde varisler taraf\u0131ndan hayat sigortas\u0131 \u015firketinden tahsil etme yoluna gidebilir. \u00c7\u00fcnk\u00fc hayat sigortas\u0131 kredinin t\u00fcm borcunu kapsamaktad\u0131r.<\/p>\nVefat Eden ki\u015finin \u0130htiya\u00e7 Kredisi Borcu ?<\/h3>\n
Ki\u015fi vefat etmeden \u00f6nce y\u00fckl\u00fc ve \u00e7ok az bir kredi alm\u0131\u015f, kredi taksitlerini d\u00fczenli olarak \u00f6demekte ancak vefat sonras\u0131nda varisler bankalara olan bor\u00e7lar\u0131n\u0131 nas\u0131l kapataca\u011f\u0131n\u0131 ara\u015ft\u0131rmaya ve endi\u015felenmeye ba\u015flamaktalar. Fakat bankaya olan \u0130htiya\u00e7 kredisi borcu e\u011fer ki\u015fi krediyi al\u0131rken hayat sigortas\u0131 yapm\u0131\u015fsa, kredi borcunun tamam\u0131 hayat sigortas\u0131 \u015firketi taraf\u0131ndan \u00f6denir.<\/p>\n
\u00d6len Ki\u015finin Ev Kredisi Borcu ?<\/h3>\n
T\u00fcrkiye’de her ki\u015finin hayalidir ev alma! \u00a0Ev fiyatlar\u0131n\u0131n y\u00fcksek olmas\u0131ndan dolay\u0131 T\u00fcrkiye’de \u00e7o\u011funluk genellikle orta ya\u015f\u0131n \u00fczerinde veya emekli olurken ev almaktalar, bir k\u0131sm\u0131n\u0131 emekli ikramiyesi ile bir k\u0131sm\u0131n\u0131 da bankalardan konut kredisi<\/strong> \u00e7ekerek evi almakta ve kendi evinde oturmakta, kendisi oturmasa bile vefat ettikten sonra \u00e7ocuklar\u0131 oturmaktad\u0131r.<\/p>\nAncak \u00d6len ki\u015finin konut kredisi borcu<\/strong> kim taraf\u0131ndan \u00f6denir,? Konut kredisi al\u0131n\u0131rken banka hem evi ipotek ettirmekte hemde kefil isteyebilir, Yani kredi borcu \u00f6denmedi\u011finde evi satarak tahsil edebilir. Vefat durumunda ise bu durum tamamen farkl\u0131d\u0131r. \u00c7\u00fcnk\u00fc konut kredisi al\u0131n\u0131rken hayat sigortas\u0131 yap\u0131lmakta, ki\u015fi vefat ettikten sonra hayat sigortas\u0131 b\u00fct\u00fcn bor\u00e7lar\u0131n\u0131 \u00f6demektedir. Sizin yapman\u0131z gereken \u00f6l\u00fcm belgesini al\u0131p bankaya g\u00f6t\u00fcrmeniz olacakt\u0131r.<\/p>\n\u00d6len (Vefat eden ) Ki\u015finin Hayat Sigortas\u0131ndan \u00f6dedi\u011fi kredileri geri alma<\/h3>\n
Yaz\u0131m\u0131zda \u00f6len ki\u015finin kredi borcunun hayat sigortas\u0131 taraf\u0131ndan \u00f6dendi\u011fini yazd\u0131k, peki ki\u015fi konut kredisi \u00e7ekmi\u015f 10 y\u0131ll\u0131k bir kredi, 5 y\u0131l boyunca taksitlerinin tamam\u0131n\u0131 \u00f6demi\u015f \u00a0ancak 5 y\u0131ldan sonra vefat ettiyse bu 5 y\u0131ll\u0131k taksitler geri al\u0131nabilir mi?<\/p>\n
Evet \u00f6len ki\u015finin \u00f6dedi\u011fi krediler<\/strong>i hayat sigortas\u0131 \u015firketi taraf\u0131ndan tahsil edebilirsiniz. Hayat sigortas\u0131 yap\u0131l\u0131rken toplam borca g\u00f6re yap\u0131lmakta, ki\u015fi vefat etti\u011finde b\u00fct\u00fcn bor\u00e7lar hayat sigortas\u0131 taraf\u0131ndan \u00f6dense de \u00f6dedi\u011fi bor\u00e7lar\u0131 da \u00f6len ki\u015finin varislerine vermesi gerekmektedir. \u00d6ncelikle bir dilek\u00e7e ile hayat sigortas\u0131 \u015firketine \u00f6dedi\u011fi kredi tutar\u0131n\u0131 varislerine \u00f6demesini talep edin, e\u011fer olumsuz cevap verilirse bir avukata giderek hayat sigortas\u0131 hakk\u0131nda dava a\u00e7abilir, mahkeme karar\u0131yla \u00f6denilen kredileri tahsil edebilirsiniz.<\/p>\nHangi Durumlarda Vefat Eden Ki\u015finin Kredi Borcu \u00d6denmez?<\/h3>\n
Ki\u015fi kredi \u00e7ekerken hayat sigortas\u0131 yapmam\u0131\u015fsa, “Hayat sigortas\u0131 zorunlu de\u011fildir” kredi borcu varisleri taraf\u0131ndan \u00f6denmesi gerekmektedir. E\u011fer varisleri borcunu \u00f6demek istemiyorlarsa Miras\u0131 reddetmeleri gerekmektedir, miras\u0131 reddedilirse kalan mallar\u0131n al\u0131nmayaca\u011f\u0131 gibi bor\u00e7larda varislerine y\u00fcklenemez.<\/p>\n
Hayat sigortas\u0131<\/em> yap\u0131lm\u0131\u015f ama \u015f\u00fcpheli \u00f6l\u00fcm, yani kendisi intihar etmi\u015f veya biriyle anla\u015farak kendini \u00f6ld\u00fcrm\u00fc\u015fse, Olur mu b\u00f6yle bir \u015fey, insan kendini \u00f6ld\u00fcrtebilir mi? diye soran ki\u015filer eminim vard\u0131r. Avrupa’da ve Amerika’da her ki\u015fi hayat sigortas\u0131n\u0131 mutlaka yapmaktad\u0131r. \u00a0Ve \u00f6ld\u00fc\u011f\u00fc zaman varislerini ciddi bir para verilmektedir, bu nedenle \u00e7ok borcu olanlar hayattan b\u0131kanlar, intihar yerine do\u011fal g\u00f6r\u00fcn\u00fcml\u00fc bir \u00f6l\u00fcm\u00fc tercih ediyorlar bu \u015fekilde kendileri \u00f6ld\u00fckten sonra bor\u00e7lar\u0131 hayat sigortas\u0131 taraf\u0131ndan kapanmakta ve varislerine ciddi bir tazminat verilmektedir. Ancak \u015f\u00fcpheli \u00f6l\u00fcm tespit edilmesi durumunda hayat sigortas\u0131 ge\u00e7ersiz olacak ve kredi borcu \u00f6denmeyecektir.<\/p>\n","protected":false},"excerpt":{"rendered":"Borcu bitmeden \u00f6len ki\u015finin kredi borcu kim taraf\u0131ndan \u00f6denir? Banka i\u015flemlerinde en merak edilen sorulardan biri de vefat eden ki\u015finin kredi borcunun ne olaca\u011f\u0131d\u0131r. Ev, Devam\u0131n\u0131 Okuyun…<\/span><\/a><\/p>\n<\/div>","protected":false},"author":9,"featured_media":6327,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[13104,548,555,24,524],"yoast_head":"\n\u00d6len Ki\u015finin Kredi Borcu Kim Taraf\u0131ndan \u00d6denir?<\/title>\n<meta name=\"description\" content=\"Borcu bitmeden \u00f6len ki\u015finin kredi borcu kim taraf\u0131ndan \u00f6denir? 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