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2007 \u2013 2011 y\u0131llar\u0131 aras\u0131nda 12 bankan\u0131n aralar\u0131nda bulundu\u011fu y\u00fcksek faiz oranlar\u0131 ile kredi \u00e7eken ki\u015filere m\u00fcjdeli haber geldi. Bu bankalara fazladan \u00f6denen kredi faizleri iade edilecek. Bunun i\u00e7in t\u00fcketicilerin dava a\u00e7mas\u0131 yeterli olacak. Sizde 2007 ve 2011 s\u00fcreleri i\u00e7erisinde y\u00fcksek faizli bir kredi kullanm\u0131\u015f iseniz bu bankalardan s\u00f6z konusu y\u0131llar i\u00e7in faiz tutarlar\u0131n\u0131 geri alma hakk\u0131na sahipsiniz.<\/p>\n

2013 y\u0131l\u0131nda rekabet kurulu taraf\u0131ndan \u00a012 bankaya haks\u0131z kazan\u00e7 sa\u011flayarak faizlerin y\u00fcksek tutulmas\u0131 ve kartel olu\u015fturdu\u011fu gerek\u00e7esi ile \u00a01 milyar 116 milyon adli para cezas\u0131 kesilmi\u015fti. Bu y\u00f6nde 2015 y\u0131l\u0131nda bankalarca itiraz davas\u0131 da reddedilince t\u00fcketiciler i\u00e7in dava yolu da a\u00e7\u0131lm\u0131\u015f oldu. 21 A\u011fustos 2007 ve 22 Eyl\u00fcl 2011 y\u0131llar\u0131 aras\u0131nda bu 12 bankadan kullan\u0131lan kredi, kredi kart\u0131 hizmeti ve mevduat hizmeti alan ve y\u00fcksek faiz \u00f6deyen ki\u015filer a\u00e7acaklar\u0131 dava ile fazla \u00f6dedikleri faiz tutarlar\u0131n\u0131n 3 misli kadar tazminat alabilecekler.<\/p>\n

Akbank \u2013 Garanti Bankas\u0131 \u2013 Yap\u0131 Kredi Bankas\u0131 \u2013 \u0130\u015f Bankas\u0131 \u2013 Halkbank \u2013 QNB Finansbank \u2013 Ziraat Bankas\u0131 \u2013 Vak\u0131fbank \u2013 Denizbank \u2013 ING Bank \u2013 HSBC \u2013 T\u00fcrkiye Ekonomi Bankas\u0131<\/p>\n

Edinilen istatistiki verilere g\u00f6re 2007-201 y\u0131llar\u0131 aras\u0131nda 1 milyon 681 bin 795 ki\u015finin konut kredisi kulland\u0131\u011f\u0131 934 bin 540 ki\u015finin ta\u015f\u0131t ve 30 milyon ki\u015finin de ihtiya\u00e7 kredisi kulland\u0131\u011f\u0131 a\u00e7\u0131klanm\u0131\u015ft\u0131r. 4 y\u0131ll\u0131k s\u00fcre\u00e7te 33 milyon \u00fczerinde bir ma\u011fdur s\u00f6z konusu iken kesinlikle herkesin hakk\u0131n\u0131 aramas\u0131 gerekir. 12 bankaya a\u00e7\u0131labilecek dava say\u0131s\u0131n\u0131n 1,5 milyonun \u00fczerinde bir rakama ula\u015fabilece\u011fi tahmin edilmekte.<\/p>\n

Dava sonucu ne kadar bir para elinize ge\u00e7ebilir \u00f6rnek verelim. 2008 y\u0131l\u0131nda 200 Bin Lira konut kredisi \u00e7ektiniz varsayarsak, 120 ay vade i\u00e7in o d\u00f6nem serbest piyasa faiz oran\u0131 %1 idi. 12 bankadan birinden kullanm\u0131\u015f oldu\u011funuz kredi faiz oran\u0131 ise o d\u00f6nem %1,15. Serbest ko\u015fullarda faiz ile birlikte \u00f6deyece\u011finiz ana para 344 bin lira iken kartel faizi ile \u00f6deyece\u011finiz toplam geri \u00f6deme 369 bin tutar\u0131nda \u00e7\u0131kmakta yani 25 bin lira bir fazladan geri \u00f6deme s\u00f6z konusu. Bu durumda dava a\u00e7t\u0131\u011f\u0131n\u0131zda kazanaca\u011f\u0131n\u0131z tutar 75 Bin Lira.<\/p>\n","protected":false},"excerpt":{"rendered":"