{"id":88,"date":"2023-11-14T23:56:47","date_gmt":"2023-11-14T23:56:47","guid":{"rendered":"https:\/\/bankagundem.com\/?p=88"},"modified":"2024-06-08T21:03:52","modified_gmt":"2024-06-08T21:03:52","slug":"2-kez-kredi-gecikmesi-olursa-ne-olur","status":"publish","type":"post","link":"https:\/\/bankagundem.com\/?p=88","title":{"rendered":"2 Kez Kredi Gecikmesi Olursa Ne Olur?"},"content":{"rendered":"<p data-sourcepos=\"3:1-3:144\">Kredi \u00f6demeleri, kredi bor\u00e7lular\u0131 i\u00e7in \u00f6nemli bir sorumluluktur. \u00d6demeler zaman\u0131nda yap\u0131lmazsa, hem finansal hem de hukuki sorunlar ya\u015fanabilir.<\/p>\n<p data-sourcepos=\"5:1-5:15\"><strong>Yasal S\u00fcre\u00e7<\/strong><\/p>\n<p data-sourcepos=\"7:1-7:179\">2 kez kredi gecikmesi durumunda, T\u00fcketici Kredisi Y\u00f6netmeli\u011fi&#8217;nin 18. maddesi uyar\u0131nca, banka borcun tahsili i\u00e7in yasal takip ba\u015flatabilir. Bu takip s\u00fcreci \u015fu \u015fekilde ger\u00e7ekle\u015fir:<\/p>\n<ul data-sourcepos=\"9:1-13:0\">\n<li data-sourcepos=\"9:1-9:194\"><strong>Gecikme bildirimi:<\/strong>\u00a0Banka, kredi bor\u00e7lusuna ilk taksit \u00f6demesinin gecikmesi durumunda, en ge\u00e7 30 g\u00fcn i\u00e7inde bir gecikme bildirimi g\u00f6nderir. Bu bildirimde, borcun \u00f6denmesi i\u00e7in s\u00fcre verilir.<\/li>\n<li data-sourcepos=\"10:1-10:213\"><strong>Gecikme faizi:<\/strong>\u00a0Gecikme bildiriminin tebli\u011finden itibaren, borcun tamam\u0131 i\u00e7in gecikme faizi i\u015flemeye ba\u015flar. Gecikme faizi oran\u0131, kredi s\u00f6zle\u015fmesinde yer alan akdi faiz oran\u0131n\u0131n en fazla %30 fazlas\u0131 olabilir.<\/li>\n<li data-sourcepos=\"11:1-11:223\"><strong>\u0130htarname:<\/strong>\u00a0Gecikme bildiriminin tebli\u011finden itibaren 30 g\u00fcn i\u00e7inde \u00f6deme yap\u0131lmazsa, banka borcun \u00f6denmesi i\u00e7in bir ihtarname g\u00f6nderir. Bu ihtarnamede, borcun \u00f6denmemesi durumunda yasal takip ba\u015flat\u0131laca\u011f\u0131 belirtilir.<\/li>\n<li data-sourcepos=\"12:1-13:0\"><strong>Hukuk icra i\u015flemleri:<\/strong>\u00a0\u0130htarname tebli\u011finden itibaren 15 g\u00fcn i\u00e7inde \u00f6deme yap\u0131lmazsa, banka yasal takip ba\u015flatabilir. Bu takip s\u00fcreci, borcun tahsili i\u00e7in icra m\u00fcd\u00fcrl\u00fc\u011f\u00fcne ba\u015fvuru yap\u0131lmas\u0131yla ba\u015flar.<\/li>\n<\/ul>\n<p data-sourcepos=\"14:1-14:13\"><strong>Sonu\u00e7lar\u0131<\/strong><\/p>\n<p data-sourcepos=\"16:1-16:65\">2 kez kredi gecikmesi durumunda ya\u015fanabilecek sonu\u00e7lar \u015funlard\u0131r:<\/p>\n<ul data-sourcepos=\"18:1-22:0\">\n<li data-sourcepos=\"18:1-18:140\"><strong>Gecikme faizi:<\/strong>\u00a0Gecikme faizi, borcun tutar\u0131n\u0131 \u00f6nemli \u00f6l\u00e7\u00fcde art\u0131rabilir. Bu nedenle, kredi \u00f6demelerinde gecikme ya\u015fanmamas\u0131 \u00f6nemlidir.<\/li>\n<li data-sourcepos=\"19:1-19:249\"><strong>Kredi notunda d\u00fc\u015f\u00fc\u015f:<\/strong>\u00a0Kredi notu, kredi ba\u015fvurular\u0131nda de\u011ferlendirmeye al\u0131nan \u00f6nemli bir fakt\u00f6rd\u00fcr. Kredi \u00f6demelerinde gecikme ya\u015fanmas\u0131, kredi notunda d\u00fc\u015f\u00fc\u015fe neden olabilir. Bu da, yeni kredi ba\u015fvurular\u0131nda olumsuz sonu\u00e7lanmaya neden olabilir.<\/li>\n<li data-sourcepos=\"20:1-20:127\"><strong>Kefilin sorumlulu\u011fu:<\/strong>\u00a0Kredi s\u00f6zle\u015fmesinde kefil varsa, kredi bor\u00e7lusu borcunu \u00f6deyemezse, kefilden \u00f6deme talep edilebilir.<\/li>\n<li data-sourcepos=\"21:1-22:0\"><strong>Hukuksal sorunlar:<\/strong>\u00a0Kredi borcunun \u00f6denmemesi durumunda, banka yasal takip ba\u015flatabilir. Bu s\u00fcre\u00e7te, bor\u00e7luya icra takibi ba\u015flat\u0131labilir, mal varl\u0131klar\u0131na haciz konulabilir veya icra dairesi taraf\u0131ndan sat\u0131\u015fa \u00e7\u0131kar\u0131labilir.<\/li>\n<\/ul>\n<p data-sourcepos=\"23:1-23:12\"><strong>\u00d6nlemler<\/strong><\/p>\n<p data-sourcepos=\"25:1-25:76\">Kredi \u00f6demelerinde gecikme ya\u015fanmamas\u0131 i\u00e7in al\u0131nabilecek \u00f6nlemler \u015funlard\u0131r:<\/p>\n<ul data-sourcepos=\"27:1-30:0\">\n<li data-sourcepos=\"27:1-27:132\"><strong>\u00d6deme plan\u0131n\u0131 iyi takip edin:<\/strong>\u00a0Kredi \u00f6deme plan\u0131n\u0131z\u0131n her ay d\u00fczenli olarak kontrol edin. \u00d6deme tarihini ve tutar\u0131n\u0131 unutmay\u0131n.<\/li>\n<li data-sourcepos=\"28:1-28:173\"><strong>\u00d6deme g\u00fcc\u00fcn\u00fcz\u00fc g\u00f6z \u00f6n\u00fcnde bulundurun:<\/strong>\u00a0Kredi ba\u015fvurusu yaparken, \u00f6deme g\u00fcc\u00fcn\u00fcz\u00fc g\u00f6z \u00f6n\u00fcnde bulundurun. \u00d6deyebileceklerinizin \u00fczerinde bir kredi ba\u015fvurusunda bulunmay\u0131n.<\/li>\n<li data-sourcepos=\"29:1-30:0\"><strong>Acil durumlar i\u00e7in plan yap\u0131n:<\/strong>\u00a0Acil bir durumla kar\u015f\u0131 kar\u015f\u0131ya kal\u0131rsan\u0131z, kredi \u00f6demelerinizi nas\u0131l kar\u015f\u0131layaca\u011f\u0131n\u0131z\u0131 \u00f6nceden planlay\u0131n.<\/li>\n<\/ul>\n<p data-sourcepos=\"31:1-31:180\">Kredi \u00f6demelerinde gecikme ya\u015fanmas\u0131 durumunda, bankayla ileti\u015fime ge\u00e7erek \u00e7\u00f6z\u00fcm yollar\u0131 aray\u0131n. Banka, \u00f6demelerinizin taksitlendirilmesi veya yap\u0131land\u0131r\u0131lmas\u0131na yard\u0131mc\u0131 olabilir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kredi \u00f6demeleri, kredi bor\u00e7lular\u0131 i\u00e7in \u00f6nemli bir sorumluluktur. \u00d6demeler zaman\u0131nda yap\u0131lmazsa, hem finansal hem de hukuki sorunlar ya\u015fanabilir. Yasal S\u00fcre\u00e7 2 kez kredi gecikmesi durumunda, T\u00fcketici Kredisi Y\u00f6netmeli\u011fi&#8217;nin 18. maddesi uyar\u0131nca, banka borcun tahsili i\u00e7in yasal takip ba\u015flatabilir. Bu takip s\u00fcreci \u015fu \u015fekilde ger\u00e7ekle\u015fir: Gecikme bildirimi:\u00a0Banka, kredi bor\u00e7lusuna ilk taksit \u00f6demesinin gecikmesi durumunda, en ge\u00e7 &hellip;<\/p>\n","protected":false},"author":2,"featured_media":89,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-88","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bankalar"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/bankagundem.com\/index.php?rest_route=\/wp\/v2\/posts\/88","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bankagundem.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bankagundem.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bankagundem.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bankagundem.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=88"}],"version-history":[{"count":2,"href":"https:\/\/bankagundem.com\/index.php?rest_route=\/wp\/v2\/posts\/88\/revisions"}],"predecessor-version":[{"id":1652,"href":"https:\/\/bankagundem.com\/index.php?rest_route=\/wp\/v2\/posts\/88\/revisions\/1652"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankagundem.com\/index.php?rest_route=\/wp\/v2\/media\/89"}],"wp:attachment":[{"href":"https:\/\/bankagundem.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=88"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bankagundem.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=88"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bankagundem.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=88"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}