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{"id":25753,"date":"2021-03-01T10:01:44","date_gmt":"2021-03-01T07:01:44","guid":{"rendered":"https:\/\/borsahaberonline.com\/?p=25753"},"modified":"2021-03-01T10:01:44","modified_gmt":"2021-03-01T07:01:44","slug":"ticari-kredilerde-ucret-ve-erken-odeme-duzenlemesi","status":"publish","type":"post","link":"https:\/\/borsahaberonline.com\/ticari-kredilerde-ucret-ve-erken-odeme-duzenlemesi\/","title":{"rendered":"Ticari kredilerde \u00fccret ve erken \u00f6deme d\u00fczenlemesi"},"content":{"rendered":"
Merkez Bankas\u0131’n\u0131n Resmi Gazete’de yer alan bankalarca ticari m\u00fc\u015fterilerden al\u0131nabilecek fiyatlara ait temelleri belirleyen bildiride de\u011fi\u015fiklik yapan bildirime nazaran, kredi kulland\u0131r\u0131m fiyatlar\u0131 kulland\u0131r\u0131lan kredinin y\u00fczde 1,1’ini ge\u00e7emeyecek.<\/p>\n
Bildirimle, kredilerde erken \u00f6demeye ait fiyatlarda de art\u0131\u015fa gidildi. Buna nazaran, m\u00fc\u015fteri taraf\u0131ndan bankaya erken \u00f6denen mebla\u011f\u0131n, kalan vadesi 24 ay\u0131 a\u015fmayan kredilerde y\u00fczde 1 olarak uygulanan al\u0131nacak fiyat hududu y\u00fczde 2’ye \u00e7\u0131kar\u0131ld\u0131. <\/p>\n
Erken \u00f6deme imkan\u0131<\/b><\/p>\n
Erken \u00f6demede kalan vadesi 24 a\u015fan kredilerde ise y\u00fczde 2 olarak uygulanan fiyat sonu; “Y\u00fczde 2’nin \u00fczerine kalan vadenin 24 ay\u0131 a\u015fan k\u0131sm\u0131ndaki her bir y\u0131l i\u00e7in y\u00fczde 1 eklenerek uygulanmas\u0131” halinde yine d\u00fczenlendi.<\/p>\n
D\u00fczenlemede 1 Mart 2021 tarihinden itibaren kulland\u0131r\u0131lan kredilerde ticari m\u00fc\u015fterinin kredinin tamam\u0131 i\u00e7in erken \u00f6deme talebinde bulunmas\u0131 halinde “banka bu talebi kabul etmek zorundad\u0131r” s\u00f6z\u00fc de yer ald\u0131.<\/p>\n
D\u00fczenlemeye nazaran, kelam konusu hesaplamada kalan vadenin 24 a\u015fan k\u0131sm\u0131ndaki m\u00fchletler y\u0131la tamamlanacak. D\u00f6viz cinsi yahut d\u00f6vize endeksli kredilerde ise TL krediler i\u00e7in uygulanacak azami fiyat\u0131n bir puan art\u0131r\u0131ml\u0131 hali uygulanabilecek.<\/p>\n<\/p>\n