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Bir konut sahibi olabilmek i\u00e7in kredi \u00e7ekmek art\u0131k vazge\u00e7ilmez oldu. Pe\u015finat olarak biriktirilen paran\u0131n de\u011ferlendirilmesi ve kira \u00f6der gibi ev sahibi olma hayali yada yat\u0131r\u0131m ama\u00e7l\u0131 bir ev almak i\u00e7in herkes bankalardan kredi talebinde bulunur oldu. Uzun vade ko\u015fullar\u0131 ve son d\u00f6nemlerde d\u00fc\u015fen faizler ile birlikte bu taleplerde ciddi art\u0131\u015flar g\u00f6r\u00fclmekte. Peki, siz bu hayaller ile bankalara u\u011fray\u0131p kredi \u00e7ekerken, kredi s\u00f6zle\u015fmesinde ki yaz\u0131lar\u0131 okuyor musunuz ? Konut kredisinde erken \u00f6deme <\/strong>cezas\u0131 var m\u0131d\u0131r ? sorusu \u00fczerine cevap niteli\u011fi ta\u015f\u0131yan detaylar kar\u015f\u0131n\u0131zda.<\/p>\n

Alaca\u011f\u0131n\u0131z konut i\u00e7in bankadan kredi ba\u015fvurusunda bulundu\u011funuzda, onay al\u0131nd\u0131ktan sonra ki s\u00fcreci bankalar ayarlar. Yani kredi t\u00fcr\u00fcn\u00fcz\u00fc ve vadeleri siz belirlersiniz, faiz oranlar\u0131n\u0131 ve masraflar\u0131n\u0131 bankalar d\u00fczenler. Kredi al\u0131rken size bir kredi s\u00f6zle\u015fmesi imzalat\u0131l\u0131r ve siz herhangi bir \u00f6demeler ile ilgili uygunsuz hareket etti\u011finizde bankalar size bu s\u00f6zle\u015fmede ki maddeleri g\u00f6sterirler. Bu s\u00f6zle\u015fmede yer alan bir maddede \u201c konut kredisinde erken \u00f6deme<\/strong> \u201c cezas\u0131 da mevcuttur. Yani, siz elinize ge\u00e7en toplu parayla kredinizi \u00f6demek istedi\u011finizde banka sizden erken \u00f6deme cezas\u0131 isteyecektir. \u00c7\u00fcnk\u00fc, toplu \u00f6deme demek bankan\u0131n faizden elde etti\u011fi gelirin d\u00fc\u015fmesi anlam\u0131na gelior bu nedenle bankalar genellikle erken \u00f6deme cezas\u0131 ile bu durumun \u00f6n\u00fcne ge\u00e7mek isterler.<\/p>\n

Ta\u015f\u0131t kredileri yada bireysel ihtiya\u00e7 kredilerinde olmayan erken \u00f6deme cezas\u0131, konut kredilerinde toplu para \u00f6demelerinde faiz gelir kayb\u0131n\u0131 \u00f6nlemek amac\u0131 ile bankalarca al\u0131nan bir cezai sistemdir. Konut finansman kredi s\u00f6zle\u015fmelerinde ki maddeleri dikkatlice okumal\u0131 ve incelemelisiniz. Bu s\u00f6zle\u015fmede hangi nedenlere ba\u011fl\u0131 dosya masraf\u0131 al\u0131nd\u0131\u011f\u0131 sorgulanmal\u0131d\u0131r \u00e7\u00fcnk\u00fc bir \u00e7ok dosya masraf\u0131 ad\u0131 alt\u0131nda al\u0131nan haks\u0131z paralar da mevcuttur, itiraz\u0131n\u0131z sonucu bu al\u0131nacak paralardan vazge\u00e7ilebilir. Dosya masraflar\u0131n\u0131n yan\u0131nda maddede ayr\u0131ca erken \u00f6deme ile ilgili bir cezai uygulama yap\u0131laca\u011f\u0131 da mutlaka yazacakt\u0131r. Siz bu maddeyi okumadan imzalad\u0131\u011f\u0131n\u0131zda gelecek d\u00f6nemde toplu miktar \u00f6deme ile bankaya gitti\u011finizde bir s\u00fcrprizle kar\u015f\u0131la\u015fman\u0131z m\u00fcmk\u00fcn.<\/p>\n

2014 y\u0131l\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe giren yasa ile birlikte vadesi bitmemi\u015f kredi bor\u00e7lar\u0131n\u0131z i\u00e7in toplu \u00f6deme yaparak krediyi kapatman\u0131z m\u00fcmk\u00fcn. B\u00f6yle bir durumda T\u00fcketici Koruma Kanununa g\u00f6re bankalar erken \u00f6demeden kaynakl\u0131 faizler ve maliyetlerin indirimini t\u00fcketiciye yans\u0131tmak zorunda. Sabit faiz \u00f6demeleri kredilerde s\u00f6zle\u015fmede yer alan maddeye istinaden erken \u00f6deme tazminat\u0131 da alabilirsiniz. Ancak bu sadece sabit farili konut kredilerinde mevcut olup de\u011fi\u015fken faizli kredilerde ge\u00e7erli de\u011fildir.<\/p>\n

2015 yl\u0131nda d\u00fczenlenen T\u00fcketici Kanununda yer alan madde \u015f\u00f6yle der; kredilerde geri \u00f6deme vadesi 36 aydan daha az kalm\u0131\u015f ise erken \u00f6demelerde en fazla %1, 36 aydan fazla vadeler kalm\u0131\u015f ise erken \u00f6demelerde en fazla %2 ceza oran\u0131 uygulanabilir. Konut kredisinde erken \u00f6deme<\/strong> cezas\u0131 kalan vadeye g\u00f6re de\u011fi\u015fmektedir.<\/p>\n

Bankalardan konut kredisi kullan\u0131rken mutlaka s\u00f6zle\u015fmede yer alan erken \u00f6deme cezas\u0131 y\u00fczdesini inceleyeniz ve sorunuz. Erken kredi kapatmak i\u00e7in toplu paran\u0131zla bankaya gitti\u011finizde durumu bilerek davranman\u0131z herhangi bir s\u00fcrprize yer vermeyecektir.<\/p>\n","protected":false},"excerpt":{"rendered":"