{"id":9513,"date":"2021-09-01T04:52:50","date_gmt":"2021-09-01T04:52:50","guid":{"rendered":"https:\/\/haberglobal.com.tr\/ekonomi\/emekliler-kredi-cekerken-bu-detaya-dikkat-129773"},"modified":"2021-09-01T04:52:50","modified_gmt":"2021-09-01T04:52:50","slug":"emekliler-kredi-cekerken-bu-detaya-dikkat","status":"publish","type":"post","link":"https:\/\/istanbulchannel.net\/index.php\/2021\/09\/01\/emekliler-kredi-cekerken-bu-detaya-dikkat\/","title":{"rendered":"Emekliler kredi \u00e7ekerken bu detaya dikkat!"},"content":{"rendered":"

<\/p>\n

<\/div>\n

Neye imza att\u0131\u011f\u0131n\u0131 bilmeyen \u00e7o\u011fu emekli, kredi ve kart borcunu \u00f6deyemeyince maa\u015f\u0131ndaki kesinti ve bloke i\u015flemlerle \u015foke oluyor. Normal \u015fartlarda yasaya g\u00f6re; \u2018memur emeklileri d\u0131\u015f\u0131ndaki\u2019 emeklilerin yani SSK, Ba\u011fkur emeklilerinin, dul ve yetimlerinin maa\u015f\u0131na, \u00fc\u00e7\u00fcnc\u00fc ki\u015filere (banka gibi) olan borcu nedeniyle bloke konulabilmesi i\u00e7in bor\u00e7lu emeklinin izninin, r\u0131zas\u0131n\u0131n (muvafakatinin) olmas\u0131 gerekiyor.<\/p>\n

SADECE SGK VE NAFAKA \u0130\u00c7\u0130N<\/strong><\/p>\n

Bir ba\u015fka ifadeyle emeklinin izni olmadan maa\u015fa haciz konulam\u0131yor. Haciz yasa\u011f\u0131n\u0131n \u00fc\u00e7 istisnas\u0131 var. Nafaka bor\u00e7lar\u0131, Sosyal G\u00fcvenlik Kurumu (SGK) alacaklar\u0131 ve bor\u00e7lunun muvafakati. SGK ve nafaka i\u00e7in de maa\u015f\u0131n en fazla y\u00fczde 25\u2019i hacze konu oluyor. Yani emekli, dul ve yetimin maa\u015f\u0131, SGK alacaklar\u0131 ve nafaka d\u0131\u015f\u0131nda ki\u015finin muvafakat\u0131 olmadan dondurulam\u0131yor. Bu \u00e7er\u00e7evede maa\u015fa haciz konulamayaca\u011f\u0131 yani kurumlar\u0131n keyfi uygulamalara giri\u015femeyece\u011fi net. R\u0131za olmadan haciz varsa buna an\u0131nda itiraz edip o haczi durdurmak m\u00fcmk\u00fcn.<\/p>\n

\u0130T\u0130RAZLAR YARGIDAN D\u00d6N\u00dcYOR<\/strong><\/p>\n

\u00d6te yandan emekliler maa\u015flar\u0131n\u0131 gelir g\u00f6sterip bankalar\u0131n kendilerine tan\u0131d\u0131\u011f\u0131 krediyi son kuru\u015funa kadar kullanmak istiyor. B\u00f6yle bir durumda s\u00f6zle\u015fmeyle birlikte muvafakatnameyi de imzalam\u0131\u015f oluyor. Sayfalarca tutan s\u00f6zle\u015fmenin maddeleri okunmadan at\u0131lan imzalar daha sonra olumsuz sonu\u00e7lar do\u011furabiliyor. Yani taksitlere kar\u015f\u0131l\u0131k emekli maa\u015f\u0131n\u0131n tamam\u0131na bloke konulabiliyor. Buna kar\u015f\u0131 itiraz da maalesef yarg\u0131dan d\u00f6n\u00fcyor. Bu konuda \u00f6rnekler de artmaya ba\u015flad\u0131.<\/p>\n

\u0130\u015eTE YAKIN TAR\u0130HL\u0130 \u00d6RNEK KARAR<\/strong><\/p>\n

Yak\u0131n tarihli \u00f6rnek kararlardan birine Yarg\u0131tay 11. Hukuk Dairesi imza att\u0131. Olay \u015f\u00f6yle geli\u015fti: 913.07 lira emekli maa\u015f\u0131 olan bir vatanda\u015f iki bankadan kredi kulland\u0131. Bu kredilerin geri \u00f6demesi ise 913.06 lirayd\u0131. Taksitlerin \u00f6denmesi halinde emekliye sadece 1 kuru\u015f kal\u0131yordu. Dolay\u0131s\u0131yla maa\u015f\u0131n tamam\u0131 \u00fczerinde bloke s\u00f6z konusuydu. Emekli, evinin kirada oldu\u011funu, e\u015finin de \u00e7al\u0131\u015fmad\u0131\u011f\u0131n\u0131 ve emekli maa\u015f\u0131ndan ba\u015fka gelirinin olmad\u0131\u011f\u0131n\u0131, e\u015finin borcu \u00f6\u011frenince bo\u015fanmak istedi\u011fini belirterek blokenin kald\u0131r\u0131lmas\u0131n\u0131 ve yap\u0131lan haks\u0131z kesintilerin iadesini mahkeme yoluyla talep etti.<\/p>\n

D\u00dcR\u00dcSTL\u00dcK KURALI VURGUSU<\/strong><\/p>\n

Banka ise emekli ki\u015finin kredi i\u015flemleri s\u0131ras\u0131nda maa\u015f\u0131ndan kesinti yap\u0131lmas\u0131na r\u0131zas\u0131 ile muvafakat verdi\u011fini savunarak davan\u0131n reddine karar verilmesini istedi. Davan\u0131n g\u00f6r\u00fcld\u00fc\u011f\u00fc mahkeme, herkesin haklar\u0131n\u0131 kullan\u0131rken ve bor\u00e7lar\u0131n\u0131 yerine getirirken d\u00fcr\u00fcstl\u00fck kural\u0131na uymak zorunda oldu\u011funa dikkat \u00e7ekti.<\/p>\n

Kredi \u00e7ekenin ba\u015fka teminat da g\u00f6stermedi\u011fi i\u00e7in bankalar\u0131n alaca\u011f\u0131n\u0131 tahsil edememe riski olu\u015ftu\u011funu belirten mahkeme karar\u0131nda, \u201cMuvafakatnamelere g\u00f6re yap\u0131lan kesintiler haks\u0131z \u015fart niteli\u011finde de\u011fil. S\u00f6zle\u015fme taraflar aras\u0131nda m\u00fczakere edilerek d\u00fczenlenmi\u015ftir. Aksinin kabul\u00fcn\u00fcn hakk\u0131n a\u00e7\u0131k\u00e7a k\u00f6t\u00fcye kullan\u0131m\u0131 anlam\u0131na gelece\u011finden davan\u0131n reddine karar verilmi\u015ftir\u201d denildi. Davac\u0131 emekli vekili karar\u0131 temyiz etti. Yarg\u0131tay ise temyiz itiraz\u0131n\u0131 reddetti. Yarg\u0131tay 13. Hukuk Dairesi yak\u0131n tarihli bir karar\u0131nda da (2019\/6324 E., 2020\/3250 K.) bor\u00e7lunun serbest iradesiyle imzalad\u0131\u011f\u0131 taahh\u00fctnamenin sonradan kald\u0131r\u0131lamayaca\u011f\u0131na h\u00fckmetmi\u015fti.<\/p>\n","protected":false},"excerpt":{"rendered":"

Son d\u00f6nemdeki yarg\u0131 kararlar\u0131 emekli maa\u015flar\u0131n\u0131n tamam\u0131n\u0131n blokesine imkan tan\u0131yor. Bu noktada ince bir detay var. O da muvafakatname! Yani borcun…<\/p>\n","protected":false},"author":2,"featured_media":9514,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,185],"tags":[],"class_list":["post-9513","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-manset"],"_links":{"self":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/9513","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=9513"}],"version-history":[{"count":0,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/9513\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/media\/9514"}],"wp:attachment":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/media?parent=9513"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/categories?post=9513"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/tags?post=9513"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}