{"id":12814,"date":"2021-09-10T04:47:37","date_gmt":"2021-09-10T04:47:37","guid":{"rendered":"https:\/\/haberglobal.com.tr\/ekonomi\/kanser-ve-kalp-krizini-atlatan-binlerce-vatandasa-bankalar-kredi-vermiyor-131666"},"modified":"2021-09-10T04:47:37","modified_gmt":"2021-09-10T04:47:37","slug":"kanser-ve-kalp-krizini-atlatan-binlerce-vatandasa-bankalar-kredi-vermiyor","status":"publish","type":"post","link":"https:\/\/istanbulchannel.net\/index.php\/2021\/09\/10\/kanser-ve-kalp-krizini-atlatan-binlerce-vatandasa-bankalar-kredi-vermiyor\/","title":{"rendered":"Kanser ve kalp krizini atlatan binlerce vatanda\u015fa bankalar kredi vermiyor"},"content":{"rendered":"
<\/div>\n

Kovid – 19 salg\u0131n\u0131 d\u00f6neminde olu\u015fan bor\u00e7lar ve e\u011fitim gibi masraflar\u0131n\u0131 kredi yoluyla \u00e7\u00f6zme giri\u015fimleri artarken, kanser ve kalp krizini atlatan binlerce vatanda\u015f bankalardan kredi alamamalar\u0131na isyan ediyor.<\/p>\n

Miliyet’in haberine g\u00f6re, hastal\u0131\u011f\u0131 atlatsalar da bankalardan \u2018kredi veremeyiz\u2019 yan\u0131t\u0131n\u0131 alan vatanda\u015flar, TBMM Dilek\u00e7e Komisyonu\u2019na yo\u011fun \u015fikayet ba\u015fvurusu yapt\u0131. Hatta bir vatanda\u015f, \u00fcniversitede okuyan \u00e7ocuklar\u0131n\u0131 masraflar\u0131n\u0131 kar\u015f\u0131layabilmek amac\u0131yla sadece 10 bin TL kredi i\u00e7in ba\u015fvurdu\u011funu, ancak bankadan \u201cVeremeyiz, hayat sigortas\u0131 yapamay\u0131z, g\u00fcvenilir kefil getir\u201d yan\u0131t\u0131n\u0131 ald\u0131\u011f\u0131n\u0131 kaydetti. Vatanda\u015f, kanser hastal\u0131\u011f\u0131n\u0131 atlatmas\u0131na ra\u011fmen kredi alamamas\u0131n\u0131n daha ya\u015farken \u00f6l\u00fc say\u0131lmas\u0131 anlam\u0131na geldi\u011fini s\u00f6yleyerek, sorunun TBMM taraf\u0131ndan \u00e7\u00f6z\u00fclmesini istedi. Meclis Dilek\u00e7e Komisyonu Ba\u015fkan\u0131 AK Parti \u0130stanbul Milletvekili Belma Sat\u0131r, olay\u0131 ilgili banka ve di\u011fer di\u011fer devlet kurum ve kurulu\u015flar\u0131yla yaz\u0131\u015farak a\u015fmaya \u00e7al\u0131\u015ft\u0131.<\/p>\n

CAN YAKAN 5 SORU<\/strong><\/p>\n

Kurumlardan ilgin\u00e7 yan\u0131tlar geldi. \u0130lgili banka, kredilerin geri d\u00f6n\u00fc\u015f\u00fcn\u00fcn sa\u011flanmas\u0131n\u0131 teminen istenecek teminatlardan birinin hayat sigortas\u0131 oldu\u011funu ve bu sigortay\u0131 yaparken, \u201ckanser, b\u00f6brek yetmezli\u011fi ve diyaliz, siroz, kal\u0131c\u0131 fel\u00e7 ile kalp\u201d hastal\u0131\u011f\u0131n\u0131n olup olmad\u0131\u011f\u0131na y\u00f6nelik be\u015f soru y\u00f6nelttiklerini kaydetti. Bu sorulardan birine \u2018evet\u2019 yan\u0131t\u0131 al\u0131nmas\u0131 halinde hayat sigortas\u0131 teminat\u0131 verilmedi\u011fini, kefil gibi ba\u015fka teminat y\u00f6ntemlerinin devreye sokuldu\u011funu bildirdi.<\/p>\n

<\/p>\n

Basiretli tacir yakla\u015f\u0131m\u0131<\/strong><\/p>\n

T\u00fcrkiye Bankalar Birli\u011fi; bankalar\u0131n \u2018basiretli bir tacir gibi davranmak zorunda oldu\u011funu\u2019 belirterek, mevzuat gere\u011fi bankalar\u0131n kredi politikalar\u0131 ve risk y\u00f6netimini belirlemede serbest olduklar\u0131n\u0131 dile getirdi. \u201cBir banka hayat sigortas\u0131 \u015fart\u0131 arayabilir ve bu politika bankan\u0131n kendi ticari karar\u0131d\u0131r\u201d diyen Bankalar Birli\u011fi, kefil istenebilece\u011fini de dile getirdi. Birlik, bankalar\u0131n kredi politikalar\u0131na m\u00fcdahale edemeyeceklerini, ilgili banka i\u00e7in herhangi bir i\u015flem yapamayacaklar\u0131n\u0131 kaydetti.<\/p>\n

Bakanl\u0131k: Yetkimiz yok<\/strong><\/p>\n

Ticaret Bakanl\u0131\u011f\u0131 ise sorunun kredi s\u00f6zle\u015fmesinin imzalanmas\u0131ndan \u00f6nceki s\u00fcre\u00e7leri i\u00e7erdi\u011fi i\u00e7in g\u00f6rev ve yetkileri kapsam\u0131nda olmad\u0131\u011f\u0131n\u0131 bildirdi. Ticaret Bakanl\u0131\u011f\u0131, bireysel kredilerle ilgili konunun, Hazine ve Maliye Bakanl\u0131\u011f\u0131 ile Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu(BDDK) taraf\u0131ndan de\u011ferlendirilmesi gerekti\u011fini belirtti. <\/p>\n

<\/p>\n

BDDK: Kendileri belirler<\/strong><\/p>\n

BDDK ise bankalar\u0131n kredi verme ve teminatlar\u0131 konusunda herhangi bir arac\u0131l\u0131k g\u00f6revinin bulunmad\u0131\u011f\u0131n\u0131, finans kurumlar\u0131n\u0131n banka – m\u00fc\u015fteri ili\u015fkileri \u00e7er\u00e7evesinde kredi taleplerini sonu\u00e7land\u0131rd\u0131klar\u0131n\u0131 kaydetti. \u0130lgili banka nezdinde bir i\u015flem yapmalar\u0131n\u0131n s\u00f6zkonusu olmad\u0131\u011f\u0131na dikkat \u00e7eken BDDK, \u201cBankalar kredi kulland\u0131r\u0131lmas\u0131 ve\/veya kredi kart\u0131 tahsis edilmesi hususunda risk politikalar\u0131n\u0131 kendileri belirlemektedir\u201d dedi.<\/p>\n

Hazine: Sigorta yapmama hakk\u0131<\/strong><\/p>\n

Hazine ve Maliye Bakanl\u0131\u011f\u0131 da \u015fikayetlerin ara\u015ft\u0131r\u0131ld\u0131\u011f\u0131n\u0131 kaydederek, \u201c\u0130nceleme neticesinde; kredi ba\u011flant\u0131l\u0131 hayat sigortalar\u0131nda risk de\u011ferlendirmesi yap\u0131ld\u0131\u011f\u0131, kanser, b\u00f6brek yetmezli\u011fine ba\u011fl\u0131 diyaliz, siroz, inme ve kalp (stent ve anjiyo hari\u00e7) hastal\u0131klar\u0131ndan en az birine maruz kalan ki\u015filer i\u00e7in sigorta kabul\u00fc yap\u0131lamad\u0131\u011f\u0131 tespit edilmi\u015ftir\u201d dedi. Bakanl\u0131k, \u2018kurumlar\u0131n sigorta yapmama hakk\u0131 bulundu\u011funa\u2019 i\u015faret etti.<\/p>\n

<\/p>\n

Birlik: Sigortac\u0131l\u0131\u011fa ters<\/strong><\/p>\n

T\u00fcrkiye Sigortalar Birli\u011fi, ilgili kurumlar\u0131n, riskin y\u00fcksek oldu\u011fu durumlarda sigorta poli\u00e7esi yapmay\u0131 kabul etmeyebilece\u011fini vurgulad\u0131.<\/p>\n

S\u00f6zkonusu hastal\u0131klar\u0131n T\u00dc\u0130K\u2019in \u00f6l\u00fcm nedeni istatistiklerinde ilk s\u0131ralarda yer ald\u0131\u011f\u0131na dikkat \u00e7eken Birlik, \u201cSigorta \u015firketlerinin kar\u015f\u0131layamayacaklar\u0131n\u0131 d\u00fc\u015f\u00fcnd\u00fckleri y\u00fck\u00fcml\u00fcl\u00fcklerin alt\u0131na girmesi, sigortac\u0131l\u0131\u011f\u0131n temeline ters d\u00fc\u015fer\u201d a\u00e7\u0131klamas\u0131n\u0131 yapt\u0131.<\/p>\n

Sat\u0131r: \u0130nsani de\u011fil<\/strong><\/p>\n

Dilek\u00e7e Komisyonu, gelen yan\u0131tlar do\u011frultusunda vatanda\u015flara bu a\u015famada yap\u0131lacak bir \u015fey olmad\u0131\u011f\u0131n\u0131 iletirken, Komisyon Ba\u015fkan\u0131 Belma Sat\u0131r, \u201cKanserli hastalara tedavisi bitmi\u015f olsa bile bankalar\u0131n sigorta yapmamas\u0131ndan dolay\u0131 kredi verilmiyor. Sadece kanser de\u011fil; kalp, birka\u00e7 hastal\u0131k daha var. Bu \u00e7ok insani de\u011fil, her \u015fey para de\u011fil\u201d diye konu\u015ftu.<\/p>\n

Kaynak: Haber Global<\/p>\n","protected":false},"excerpt":{"rendered":"

<p>Kovid – 19 salg\u0131n\u0131 d\u00f6neminde olu\u015fan bor\u00e7lar ve e\u011fitim gibi masraflar\u0131n\u0131 kredi yoluyla \u00e7\u00f6zme giri\u015fimleri artarken, kanser ve kalp krizini atlatan…<\/p>\n","protected":false},"author":2,"featured_media":12815,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-12814","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/12814","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/comments?post=12814"}],"version-history":[{"count":0,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/12814\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/media\/12815"}],"wp:attachment":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/media?parent=12814"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/categories?post=12814"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/tags?post=12814"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}