{"id":57514,"date":"2024-07-08T05:48:04","date_gmt":"2024-07-08T05:48:04","guid":{"rendered":"https:\/\/ekamu.net\/?p=57514"},"modified":"2024-07-08T05:48:04","modified_gmt":"2024-07-08T05:48:04","slug":"merkez-bankasi-ticari-kredilerde-erken-odeme-uygulamasina-yonelik-duzenleme-yapti","status":"publish","type":"post","link":"https:\/\/ekamu.net\/index.php\/2024\/07\/08\/merkez-bankasi-ticari-kredilerde-erken-odeme-uygulamasina-yonelik-duzenleme-yapti\/","title":{"rendered":"Merkez Bankas\u0131, ticari kredilerde &#8220;erken \u00f6deme&#8221; uygulamas\u0131na y\u00f6nelik d\u00fczenleme yapt\u0131"},"content":{"rendered":"<div>\n<p>Resmi Gazete&#8217;nin bug\u00fcnk\u00fc say\u0131s\u0131nda yay\u0131mlanan bankalarca ticari m\u00fc\u015fterilerden al\u0131nabilecek \u00fccretlere ili\u015fkin usul ve esaslar hakk\u0131nda tebli\u011fde de\u011fi\u015fiklik yapan tebli\u011fe g\u00f6re, tebli\u011fin ticari kredilerde &#8220;erken \u00f6deme&#8221; uygulamas\u0131na y\u00f6nelik 11. maddesinin 3. f\u0131kras\u0131 yeniden d\u00fczenlendi.<\/p>\n<p>Buna g\u00f6re, ticari kredinin tamam\u0131 i\u00e7in erken \u00f6deme talebinde bulunan m\u00fc\u015fteriden gerekli faiz ve di\u011fer maliyet unsurlar\u0131na ili\u015fkin indirimler yap\u0131larak hesaplanan ve m\u00fc\u015fteri taraf\u0131ndan bankaya erken \u00f6denen tutar \u00fczerinden; sabit faizli TL krediler i\u00e7in kredi faiz oran\u0131 ve kalan a\u011f\u0131rl\u0131kl\u0131 ortalama vadeyi, sabit faizli D\u00f6viz cinsi veya d\u00f6vize endeksli kredilerde ise sabit bir oran ile kalan a\u011f\u0131rl\u0131kl\u0131 ortalama vadeyi esas alan ve Merkez Bankas\u0131nca talimatla belirlenen form\u00fcl ile hesaplanan oran\u0131 a\u015fmayacak \u015fekilde erken \u00f6deme \u00fccreti al\u0131nabilecek. De\u011fi\u015fken faizli kredilerde erken \u00f6denen tutar\u0131n %2&#8217;sine kadar erken \u00f6deme \u00fccreti tahsil edilebilecek.<\/p>\n<\/div>\n<div>\n<p>Tebli\u011fe eklenen ge\u00e7ici maddeye g\u00f6re, 1 Mart 2021 tarihinden \u00f6nce kulland\u0131r\u0131lan kredilerde, ticari m\u00fc\u015fterinin kredinin tamam\u0131 i\u00e7in erken \u00f6deme talebinde bulunmas\u0131 halinde banka bu talebi kabul etmek zorunda olacak.<\/p>\n<p>Bu m\u00fc\u015fteriden TL krediler i\u00e7in al\u0131nabilecek erken \u00f6deme \u00fccreti; gerekli faiz ve di\u011fer maliyet unsurlar\u0131na ili\u015fkin indirimler yap\u0131larak hesaplanan ve m\u00fc\u015fteri taraf\u0131ndan bankaya erken \u00f6denen tutar\u0131n, kalan vadesi 24 ay\u0131 a\u015fmayan kredilerde %1&#8217;ini, kalan vadesi 24 ay\u0131 a\u015fan kredilerde ise %2&#8217;sini ge\u00e7emeyecek. D\u00f6viz cinsi veya d\u00f6vize endeksli kredilerde s\u00f6z konusu azami \u00fccretler bir puan art\u0131r\u0131ml\u0131 olarak uygulanacak.<\/p>\n<p>S\u00f6z konusu tarihinden 30 Haziran&#8217;a kadar kulland\u0131r\u0131lan kredilerde ise bu m\u00fc\u015fteriden TL krediler i\u00e7in gerekli faiz ve di\u011fer maliyet unsurlar\u0131na ili\u015fkin indirimler yap\u0131larak hesaplanan ve m\u00fc\u015fteri taraf\u0131ndan bankaya erken \u00f6denen tutar\u0131n, kalan vadesi 24 ay\u0131 a\u015fmayan kredilerde y\u00fczde 2&#8217;sine, kalan vadesi 24 ay\u0131 a\u015fan kredilerde ise %2&#8217;nin \u00fczerine kalan vadenin 24 ay\u0131 a\u015fan k\u0131sm\u0131ndaki her bir y\u0131l i\u00e7in %1 eklenerek hesaplanan tutara kadar erken \u00f6deme \u00fccreti al\u0131nabilecek.<\/p>\n<p>Bu hesaplamada kalan vadenin 24 ay\u0131 a\u015fan k\u0131sm\u0131ndaki s\u00fcreler y\u0131la tamamlanacak. D\u00f6viz cinsi veya d\u00f6vize endeksli kredilerde ise TL krediler i\u00e7in uygulanacak azami \u00fccretin bir puan art\u0131r\u0131ml\u0131 hali uygulanabilecek. Tebli\u011f 1 Temmuz&#8217;da y\u00fcr\u00fcrl\u00fc\u011fe girecek.<\/p>\n<\/div>\n<p><\/p>\n<p>Kaynak :\u00a0<span style=\"background-color: rgb(255, 249, 236); color: rgb(55, 58, 60); font-size: 14px;\">Bloomberg HT<\/span><\/p>\n<p><span style=\"display: block; width: 343.125px; color: rgb(55, 58, 60); font-size: 14px; background-color: rgb(255, 249, 236);\"><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Merkez Bankas\u0131, ticari kredilerin erken \u00f6denmesi durumunda bankalarca talep edilebilecek &#8220;erken \u00f6deme \u00fccretine&#8221; y\u00f6nelik d\u00fczenleme yapt\u0131.<\/p>\n","protected":false},"author":1,"featured_media":57515,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[2494,1131,2493,663,845],"class_list":["post-57514","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-erken-odeme","tag-faiz","tag-kalan","tag-kredi","tag-musteri"],"_links":{"self":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/57514","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/comments?post=57514"}],"version-history":[{"count":1,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/57514\/revisions"}],"predecessor-version":[{"id":57516,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/57514\/revisions\/57516"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media\/57515"}],"wp:attachment":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media?parent=57514"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/categories?post=57514"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/tags?post=57514"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}