\u0130\u00e7tihat B\u00fclteni Uygulamas\u0131\u2019ndan edinilen bilgiye g\u00f6re, Sakarya’da davac\u0131 bir \u00f6zel okulun vekili, \u00e7ekilip erken kapanan 3 ayr\u0131 kredi ile ilgili banka taraf\u0131ndan tahsil edilen \u00fccretlere ili\u015fkin s\u00f6zle\u015fme h\u00fck\u00fcmlerinin genel i\u015flem \u015fart\u0131 niteli\u011finde oldu\u011funu beyanla kredi s\u00f6zle\u015fmelerine ba\u011fl\u0131 olarak istihbarat ve erken kapama \u00fccreti ad\u0131 alt\u0131nda tahsil edilen tutarlardan fazlaya dair hakk\u0131 sakl\u0131 kalmak kayd\u0131yla, \u015fimdilik 1.000.00 TL\u2019lik k\u0131sm\u0131n\u0131n \u00f6deme tarihinden itibaren i\u015fleyecek ticari temerr\u00fct faizi ile birlikte daval\u0131 bankadan al\u0131narak davac\u0131ya verilmesine karar verilmesini talep ve dava etti.<\/p>\n
Daval\u0131 banka vekili, davan\u0131n reddini talep etti. \u0130lk Derece Mahkemesi, davan\u0131n k\u0131smen kabul\u00fcne karar vererek fazlaya ili\u015fkin talebin reddine karar verdi. \u0130lk Derece Mahkemesinin karar\u0131na kar\u015f\u0131 s\u00fcresi i\u00e7inde taraf vekilleri istinaf ba\u015fvurusunda bulundu. B\u00f6lge Adliye Mahkemesi, taraflar\u0131n \u0130stinaf ba\u015fvurular\u0131n\u0131n esastan reddine karar verdi.<\/p>\n
B\u00f6lge Adliye Mahkemesinin yukar\u0131da belirtilen karar\u0131na kar\u015f\u0131 s\u00fcresi i\u00e7inde taraf vekilleri temyiz talebinde bulundu.<\/p>\n
Yarg\u0131tay 11. Hukuk Dairesi \u015fu karar\u0131 verdi:<\/p>\n
“Kredi kullan\u0131m esnas\u0131nda al\u0131nmayan istihbarat \u00fccretinin erken \u00f6deme nedeniyle al\u0131nmas\u0131 da m\u00fcmk\u00fcn de\u011fildir. Davac\u0131ya 18.08.2016, 25.05.2017, 12.06.2017 tarihlerinde kredi kulland\u0131r\u0131lm\u0131\u015f bu esnada istihbarat \u00fccreti al\u0131nmam\u0131\u015ft\u0131r. Daha sonra T\u00fcrkiye Cumhuriyeti Merkez Bankas\u0131 taraf\u0131ndan 10.02.2020 tarih, 2020\/4 say\u0131l\u0131 tebli\u011f ile getirilen d\u00fczenleme neticesinde Bankalar taraf\u0131ndan tahsil edilen istihbarat \u00fccreti uygulamas\u0131na son verilmi\u015ftir. Kredi kullan\u0131m esnas\u0131nda al\u0131nmayan istihbarat \u00fccretinin erken \u00f6deme nedeniyle al\u0131nmas\u0131 da m\u00fcmk\u00fcn de\u011fildir. \u0130stihbarat \u00fccreti davac\u0131dan al\u0131namayaca\u011f\u0131na g\u00f6re, istihbarat \u00fccretine uygulanarak tahsil edilen BSMV \u00fccretinin de al\u0131nmamas\u0131 gerekir. Bu nedenle, istihbarat \u00fccretine uygulanan BSMV\u2019nin de davac\u0131ya iadesi gerekirken BSMV hari\u00e7 istihbarat \u00fccretinin iadesine karar verilmesi do\u011fru olmay\u0131p bozmay\u0131 gerektirmi\u015ftir.”<\/p>\n\n
<\/p>\n
Kaynak :\u00a0http:\/\/www.milliyet.com.tr\/ekonomi\/kredi-borcunu-erken-kapatanlar-dikkat-yargitaydan-emsal-karar-7136093<\/span><\/p>\n","protected":false},"excerpt":{"rendered":" Yarg\u0131tay, kredi bor\u00e7lar\u0131n\u0131 erken kapatanlar\u0131 ilgilendiren emsal bir karara imza att\u0131. Yarg\u0131tay 11. Hukuk Dairesi, “Kredi kullan\u0131m esnas\u0131nda al\u0131nmayan istihbarat \u00fccretinin erken \u00f6deme nedeniyle al\u0131nmas\u0131 da m\u00fcmk\u00fcn de\u011fildir” dedi.<\/p>\n","protected":false},"author":1,"featured_media":27157,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[545,1406,578,1039,1574],"class_list":["post-27156","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-dava","tag-karar","tag-kredi","tag-taraf"],"_links":{"self":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/27156","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/comments?post=27156"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/27156\/revisions"}],"predecessor-version":[{"id":27158,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/27156\/revisions\/27158"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media\/27157"}],"wp:attachment":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media?parent=27156"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/categories?post=27156"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/tags?post=27156"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}