{"status":true,"post":{"id":15871,"user_id":13,"status":1,"type":1,"orde":null,"notification_type":3,"static_post":0,"published_at":"2022-10-21 10:01:58","created_at":"2017-02-05T21:00:00.000000Z","updated_at":"2022-10-21T07:01:58.000000Z","edited_at":"2024-12-17 22:35:21","source_id":null,"post_id":15871,"is_featured":0,"title":"Sicil aff\u0131 y\u00fcr\u00fcrl\u00fc\u011fe girdi","slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"home_title":null,"sub_title":null,"category_id":73,"description":null,"content":"  \t\t\t\t\t  \t\t\t\t\t<p><span class=\"large\">Kar\u015f\u0131l\u0131ks\u0131z \u00c7ek ve Protestolu Senetler ile Kredi ve Kredi Kartlar\u0131 Bor\u00e7lar\u0131\u2019na \u0130li\u015fkin Kay\u0131tlar\u0131n Dikkate Al\u0131nmamas\u0131 Hakk\u0131ndaki \u201c5834 Say\u0131l\u0131 Kanunla\u201d \u00f6deme tarihi 28 Ocak 2009\u2019dan \u00f6nce olup da; kulland\u0131\u011f\u0131 nakdi ve gayri nakdi kredilerin \u00f6demelerini aksatan ger\u00e7ek ve t\u00fczel ki\u015filerin, ticari faaliyette bulunan ve bulunmayan ger\u00e7ek ki\u015filerin ve kredi m\u00fc\u015fterilerinin kar\u015f\u0131l\u0131ks\u0131z \u00e7\u0131kan \u00e7ek, protesto edilmi\u015f senet, kredi kart\u0131 ve di\u011fer kredi bor\u00e7lar\u0131na ili\u015fkin kay\u0131tlar\u0131, s\u00f6z konusu bor\u00e7lar\u0131n 28 Ocak 2009\u2019dan \u00f6nce veya bu tarihten itibaren alt\u0131 ay i\u00e7erisinde \u00f6denmesi veya yeniden yap\u0131land\u0131r\u0131lmas\u0131 halinde borcun tamam\u0131n\u0131n \u00f6denmesini m\u00fcteakiben Merkez Bankas\u0131\u2019nda tutulan kay\u0131tlardan silinmi\u015ftir.<\/span><\/p>  <p><span class=\"large\">S\u00f6z konusu kanun gere\u011fi olarak Merkez Bankas\u0131\u2019nca kay\u0131tlar\u0131n silinmesinden sonra bankalar, finansal kiralama \u015firketleri, faktoring \u015firketleri ve t\u00fcketici finansman \u015firketlerince yap\u0131lm\u0131\u015f bulunan kredilendirme, \u00e7ek karnesi verilmesi ve di\u011fer i\u015flemlerde silinmi\u015f kay\u0131tlar dikkate al\u0131nmam\u0131\u015ft\u0131r.<\/span><\/p>  <p><span class=\"large\">Ancak gerek 5834 Say\u0131l\u0131 Kanun\u2019da \u00f6ng\u00f6r\u00fclen s\u00fcre i\u00e7erisinde ve gerekse s\u00f6z konusu kanun ve sa\u011flanan ek s\u00fcre uygulamas\u0131 da dahil sonras\u0131nda ortaya \u00e7\u0131kan sorunlar g\u00fcn\u00fcm\u00fcze kadar giderek artm\u0131\u015f, zaman\u0131nda \u00f6denmeyen kredi, kredi kart\u0131 veya vergilendirilmemi\u015f b\u00fct\u00fcn bor\u00e7lar\u0131n belirli bir zaman i\u00e7erisinde \u00f6denmemesinden dolay\u0131 yasal takip i\u015flemi ba\u015flat\u0131lan ki\u015filere verilen bir isim olan banka sicili halk dilinde \u201ckara liste\u201d olarak dola\u015fmaya ba\u015flam\u0131\u015ft\u0131r. Bu ba\u011flamda Kredi Kay\u0131t B\u00fcrosu (KKB) taraf\u0131ndan tutulan kay\u0131tlar\u0131n silinmesi i\u00e7in ki\u015finin borcunu kapatmas\u0131 gerekti\u011fi gibi belirli bir s\u00fcrede b\u00fct\u00fcn kredi imkanlar\u0131ndan uzakla\u015ft\u0131r\u0131larak beklemesi gerekmektedir.<\/span><\/p>  <p><span class=\"large\">6770 Say\u0131l\u0131 \u201cT\u00fcrkiye Cumhuriyeti Emekli Sand\u0131\u011f\u0131 Kanunu ile Baz\u0131 Kanun ve Kanun H\u00fckm\u00fcnde Karanamelerde De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Kanun\u201dun 33\u2019\u00fcnc\u00fc maddesi ile Kredi ve Kredi Kartlar\u0131 Bor\u00e7lar\u0131na \u0130li\u015fkin Kay\u0131tlar\u0131n Dikkate Al\u0131nmamas\u0131 Hakk\u0131nda Kanun\u2019a eklenen ge\u00e7ici madde ile anapara ve\/veya taksit \u00f6deme tarihi 27 Ocak 2017\u2019den \u00f6nce olup da kulland\u0131\u011f\u0131 nakdi ve gayri nakdi kredilerinin anapara, faiz ve\/veya ferilerine ili\u015fkin \u00f6demelerini aksatan ger\u00e7ek ve t\u00fczel ki\u015filerin, ticari faaliyette bulunan ve bulunmayan ger\u00e7ek ki\u015filerin ve kredi m\u00fc\u015fterilerinin kar\u015f\u0131l\u0131ks\u0131z \u00e7\u0131kan \u00e7ek, protesto edilmi\u015f senet, kredi kart\u0131 ve di\u011fer kredi bor\u00e7lar\u0131na ili\u015fkin T\u00fcrkiye Bankalar Birli\u011fi Risk Merkezi nezdinde tutulan kay\u0131tlar\u0131, s\u00f6z konusu bor\u00e7lar\u0131n \u00f6denmesi, geciken k\u0131sm\u0131n\u0131n 27 Ocak 2017\u2019den itibaren alt\u0131 ay i\u00e7inde tamamen \u00f6denmesi veya yeniden yap\u0131land\u0131r\u0131lmas\u0131 halinde bu ki\u015filerle yap\u0131lan finansal i\u015flemlerde kredi kurulu\u015flar\u0131 ve finansal kurulu\u015flar taraf\u0131ndan dikkate al\u0131nmayabilecektir.<\/span><\/p>  <p><span class=\"large\">Di\u011fer yandan yap\u0131lan bu d\u00fczenleme gere\u011fi, kredi kurulu\u015flar\u0131 ve finansal kurulu\u015flar\u0131n mevcut kredileri yeniden yap\u0131land\u0131rmalar\u0131 veya yeni kredi kulland\u0131rmalar\u0131, bu kurulu\u015flara hukuki ve cezai sorumluluk do\u011furmayacakt\u0131r. <\/span><\/p>  <p><span class=\"large\">Uygulamada \u201cSicil Aff\u0131\u201d olarak konu\u015fulan olgu, 27 Ocak 2017 itibariyle yukar\u0131da sunuldu\u011fu \u015fekilde 6770 Say\u0131l\u0131 Kanun\u2019un 33\u2019\u00fcnc\u00fc maddesi olarak y\u00fcr\u00fcrl\u00fc\u011fe girmi\u015f bulunmaktad\u0131r.<\/span><\/p>  <p><span class=\"large\"><strong>BEKLENT\u0130 \u0130\u00c7\u0130NDE OLAN GEN\u0130\u015e B\u0130R KES\u0130M VAR<\/strong><\/span><\/p>  <p><span class=\"large\">Kas\u0131m ay\u0131 verilerinden anla\u015f\u0131laca\u011f\u0131 \u00fczere; <\/span><\/p>  <ul>   <li><span class=\"large\" style=\"font-size: 15.6px;\">Kar\u015f\u0131l\u0131ks\u0131z \u00e7eki olan 566.116 ki\u015fi,<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">Kredi kart\u0131 borcu nedeniyle takipte olan 2 milyon 233 bin 188 ki\u015fi,<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">Bireysel kredilerden yasal takipte bulunan bir milyon 729 bin 846 ki\u015fi,<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">Ticari kredilerden yasal takipte olan 535 bin 379 \u015fah\u0131s \u015firketi ile 99 bin 929 sermaye \u015firketi olmak \u00fczere,<\/span><\/li>  <\/ul>  <p><span class=\"large\">S\u00f6z konusu sicil aff\u0131 beklentisi olan olduk\u00e7a geni\u015f bir kesim bulunmaktad\u0131r. Ancak fiilen bor\u00e7lu g\u00f6r\u00fcnenlerin bir k\u0131sm\u0131n\u0131n bor\u00e7lar\u0131n\u0131 \u00f6demi\u015f bulunduklar\u0131n\u0131 varsayacak olursak, geriye kalanlar\u0131n mevcut bor\u00e7lar\u0131n\u0131 yap\u0131land\u0131rmak amac\u0131yla kendilerine tan\u0131nan ek s\u00fcreyi de\u011ferlendirmeleri gerekmektedir. Yaz\u0131m\u0131zdaki rakamsal veriler. G\u00fcmr\u00fck ve Ticaret Bakan\u0131m\u0131z Say\u0131n <\/span><span class=\"large\">B\u00fclent T\u00fcfenkci\u2019nin \u201cSicil Aff\u0131\u201d ile ilgili a\u00e7\u0131klamalar\u0131ndan al\u0131nm\u0131\u015ft\u0131r.<\/span><\/p>  <p><span class=\"large\">Ticari ya\u015fam\u0131 olumsuz etkileyen \u00f6denmeyen bor\u00e7lar\u0131n \u00f6denebilmesi i\u00e7in yap\u0131lan yeni d\u00fczenleme ile tan\u0131nan alt\u0131 ayl\u0131k ek s\u00fcrenin dikkate al\u0131narak gerekli ba\u015fvurular\u0131n ve giri\u015fimlerin ba\u015flat\u0131lmas\u0131nda yarar g\u00f6rmekteyiz.<\/span><\/p>  \t\t\t\t","slug":"sicil-affi-yururluge-girdi","tags":"K\u00f6\u015fe Yaz\u0131s\u0131","meta_title":"Sicil aff\u0131 y\u00fcr\u00fcrl\u00fc\u011fe girdi","meta_description":"Dr. Veysi Sevi\u011f","meta_keywords":"K\u00f6\u015fe Yaz\u0131s\u0131","news_cover_min":null,"news_cover":null,"news_video_min":null,"news_video":null,"view_count":104,"cropped_1200x675":null,"user":{"id":13,"name":"VEYS\u0130","surname":"SEV\u0130\u011e","email":"ahmethasan@gmail.com","slug":"dr-veysi-sevig","avatar":"\/front\/uploads\/avatar\/1733691600ut4JSVTubuQXFOJ.webp","status":1,"role":1,"email_verified_at":null,"orde":null,"created_at":"2022-09-26T15:38:28.000000Z","updated_at":"2024-12-18T09:50:28.000000Z","seo_title":null,"seo_description":null},"translations":[{"id":15970,"is_featured":0,"is_amp":0,"is_ads":0,"ads_link":null,"post_id":15871,"locale":"tr","category_id":73,"title":"Sicil aff\u0131 y\u00fcr\u00fcrl\u00fc\u011fe girdi","home_title":null,"sub_title":null,"slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"subtitleuse":0,"description":null,"content":"  \t\t\t\t\t  \t\t\t\t\t<p><span class=\"large\">Kar\u015f\u0131l\u0131ks\u0131z \u00c7ek ve Protestolu Senetler ile Kredi ve Kredi Kartlar\u0131 Bor\u00e7lar\u0131\u2019na \u0130li\u015fkin Kay\u0131tlar\u0131n Dikkate Al\u0131nmamas\u0131 Hakk\u0131ndaki \u201c5834 Say\u0131l\u0131 Kanunla\u201d \u00f6deme tarihi 28 Ocak 2009\u2019dan \u00f6nce olup da; kulland\u0131\u011f\u0131 nakdi ve gayri nakdi kredilerin \u00f6demelerini aksatan ger\u00e7ek ve t\u00fczel ki\u015filerin, ticari faaliyette bulunan ve bulunmayan ger\u00e7ek ki\u015filerin ve kredi m\u00fc\u015fterilerinin kar\u015f\u0131l\u0131ks\u0131z \u00e7\u0131kan \u00e7ek, protesto edilmi\u015f senet, kredi kart\u0131 ve di\u011fer kredi bor\u00e7lar\u0131na ili\u015fkin kay\u0131tlar\u0131, s\u00f6z konusu bor\u00e7lar\u0131n 28 Ocak 2009\u2019dan \u00f6nce veya bu tarihten itibaren alt\u0131 ay i\u00e7erisinde \u00f6denmesi veya yeniden yap\u0131land\u0131r\u0131lmas\u0131 halinde borcun tamam\u0131n\u0131n \u00f6denmesini m\u00fcteakiben Merkez Bankas\u0131\u2019nda tutulan kay\u0131tlardan silinmi\u015ftir.<\/span><\/p>  <p><span class=\"large\">S\u00f6z konusu kanun gere\u011fi olarak Merkez Bankas\u0131\u2019nca kay\u0131tlar\u0131n silinmesinden sonra bankalar, finansal kiralama \u015firketleri, faktoring \u015firketleri ve t\u00fcketici finansman \u015firketlerince yap\u0131lm\u0131\u015f bulunan kredilendirme, \u00e7ek karnesi verilmesi ve di\u011fer i\u015flemlerde silinmi\u015f kay\u0131tlar dikkate al\u0131nmam\u0131\u015ft\u0131r.<\/span><\/p>  <p><span class=\"large\">Ancak gerek 5834 Say\u0131l\u0131 Kanun\u2019da \u00f6ng\u00f6r\u00fclen s\u00fcre i\u00e7erisinde ve gerekse s\u00f6z konusu kanun ve sa\u011flanan ek s\u00fcre uygulamas\u0131 da dahil sonras\u0131nda ortaya \u00e7\u0131kan sorunlar g\u00fcn\u00fcm\u00fcze kadar giderek artm\u0131\u015f, zaman\u0131nda \u00f6denmeyen kredi, kredi kart\u0131 veya vergilendirilmemi\u015f b\u00fct\u00fcn bor\u00e7lar\u0131n belirli bir zaman i\u00e7erisinde \u00f6denmemesinden dolay\u0131 yasal takip i\u015flemi ba\u015flat\u0131lan ki\u015filere verilen bir isim olan banka sicili halk dilinde \u201ckara liste\u201d olarak dola\u015fmaya ba\u015flam\u0131\u015ft\u0131r. Bu ba\u011flamda Kredi Kay\u0131t B\u00fcrosu (KKB) taraf\u0131ndan tutulan kay\u0131tlar\u0131n silinmesi i\u00e7in ki\u015finin borcunu kapatmas\u0131 gerekti\u011fi gibi belirli bir s\u00fcrede b\u00fct\u00fcn kredi imkanlar\u0131ndan uzakla\u015ft\u0131r\u0131larak beklemesi gerekmektedir.<\/span><\/p>  <p><span class=\"large\">6770 Say\u0131l\u0131 \u201cT\u00fcrkiye Cumhuriyeti Emekli Sand\u0131\u011f\u0131 Kanunu ile Baz\u0131 Kanun ve Kanun H\u00fckm\u00fcnde Karanamelerde De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Kanun\u201dun 33\u2019\u00fcnc\u00fc maddesi ile Kredi ve Kredi Kartlar\u0131 Bor\u00e7lar\u0131na \u0130li\u015fkin Kay\u0131tlar\u0131n Dikkate Al\u0131nmamas\u0131 Hakk\u0131nda Kanun\u2019a eklenen ge\u00e7ici madde ile anapara ve\/veya taksit \u00f6deme tarihi 27 Ocak 2017\u2019den \u00f6nce olup da kulland\u0131\u011f\u0131 nakdi ve gayri nakdi kredilerinin anapara, faiz ve\/veya ferilerine ili\u015fkin \u00f6demelerini aksatan ger\u00e7ek ve t\u00fczel ki\u015filerin, ticari faaliyette bulunan ve bulunmayan ger\u00e7ek ki\u015filerin ve kredi m\u00fc\u015fterilerinin kar\u015f\u0131l\u0131ks\u0131z \u00e7\u0131kan \u00e7ek, protesto edilmi\u015f senet, kredi kart\u0131 ve di\u011fer kredi bor\u00e7lar\u0131na ili\u015fkin T\u00fcrkiye Bankalar Birli\u011fi Risk Merkezi nezdinde tutulan kay\u0131tlar\u0131, s\u00f6z konusu bor\u00e7lar\u0131n \u00f6denmesi, geciken k\u0131sm\u0131n\u0131n 27 Ocak 2017\u2019den itibaren alt\u0131 ay i\u00e7inde tamamen \u00f6denmesi veya yeniden yap\u0131land\u0131r\u0131lmas\u0131 halinde bu ki\u015filerle yap\u0131lan finansal i\u015flemlerde kredi kurulu\u015flar\u0131 ve finansal kurulu\u015flar taraf\u0131ndan dikkate al\u0131nmayabilecektir.<\/span><\/p>  <p><span class=\"large\">Di\u011fer yandan yap\u0131lan bu d\u00fczenleme gere\u011fi, kredi kurulu\u015flar\u0131 ve finansal kurulu\u015flar\u0131n mevcut kredileri yeniden yap\u0131land\u0131rmalar\u0131 veya yeni kredi kulland\u0131rmalar\u0131, bu kurulu\u015flara hukuki ve cezai sorumluluk do\u011furmayacakt\u0131r. <\/span><\/p>  <p><span class=\"large\">Uygulamada \u201cSicil Aff\u0131\u201d olarak konu\u015fulan olgu, 27 Ocak 2017 itibariyle yukar\u0131da sunuldu\u011fu \u015fekilde 6770 Say\u0131l\u0131 Kanun\u2019un 33\u2019\u00fcnc\u00fc maddesi olarak y\u00fcr\u00fcrl\u00fc\u011fe girmi\u015f bulunmaktad\u0131r.<\/span><\/p>  <p><span class=\"large\"><strong>BEKLENT\u0130 \u0130\u00c7\u0130NDE OLAN GEN\u0130\u015e B\u0130R KES\u0130M VAR<\/strong><\/span><\/p>  <p><span class=\"large\">Kas\u0131m ay\u0131 verilerinden anla\u015f\u0131laca\u011f\u0131 \u00fczere; <\/span><\/p>  <ul>   <li><span class=\"large\" style=\"font-size: 15.6px;\">Kar\u015f\u0131l\u0131ks\u0131z \u00e7eki olan 566.116 ki\u015fi,<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">Kredi kart\u0131 borcu nedeniyle takipte olan 2 milyon 233 bin 188 ki\u015fi,<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">Bireysel kredilerden yasal takipte bulunan bir milyon 729 bin 846 ki\u015fi,<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">Ticari kredilerden yasal takipte olan 535 bin 379 \u015fah\u0131s \u015firketi ile 99 bin 929 sermaye \u015firketi olmak \u00fczere,<\/span><\/li>  <\/ul>  <p><span class=\"large\">S\u00f6z konusu sicil aff\u0131 beklentisi olan olduk\u00e7a geni\u015f bir kesim bulunmaktad\u0131r. Ancak fiilen bor\u00e7lu g\u00f6r\u00fcnenlerin bir k\u0131sm\u0131n\u0131n bor\u00e7lar\u0131n\u0131 \u00f6demi\u015f bulunduklar\u0131n\u0131 varsayacak olursak, geriye kalanlar\u0131n mevcut bor\u00e7lar\u0131n\u0131 yap\u0131land\u0131rmak amac\u0131yla kendilerine tan\u0131nan ek s\u00fcreyi de\u011ferlendirmeleri gerekmektedir. Yaz\u0131m\u0131zdaki rakamsal veriler. G\u00fcmr\u00fck ve Ticaret Bakan\u0131m\u0131z Say\u0131n <\/span><span class=\"large\">B\u00fclent T\u00fcfenkci\u2019nin \u201cSicil Aff\u0131\u201d ile ilgili a\u00e7\u0131klamalar\u0131ndan al\u0131nm\u0131\u015ft\u0131r.<\/span><\/p>  <p><span class=\"large\">Ticari ya\u015fam\u0131 olumsuz etkileyen \u00f6denmeyen bor\u00e7lar\u0131n \u00f6denebilmesi i\u00e7in yap\u0131lan yeni d\u00fczenleme ile tan\u0131nan alt\u0131 ayl\u0131k ek s\u00fcrenin dikkate al\u0131narak gerekli ba\u015fvurular\u0131n ve giri\u015fimlerin ba\u015flat\u0131lmas\u0131nda yarar g\u00f6rmekteyiz.<\/span><\/p>  \t\t\t\t","slug":"sicil-affi-yururluge-girdi","orjinalimage":null,"news_cover_min":null,"news_cover":null,"news_video_min":null,"news_video":null,"cropped_638x552":null,"cropped_310x208":null,"cropped_416x247":null,"cropped_197x247":null,"cropped_416x600":null,"cropped_1200x675":null,"tags":"K\u00f6\u015fe Yaz\u0131s\u0131","meta_title":"Sicil aff\u0131 y\u00fcr\u00fcrl\u00fc\u011fe girdi","meta_description":"Dr. Veysi Sevi\u011f","meta_keywords":"K\u00f6\u015fe Yaz\u0131s\u0131","view_count":104,"yt":0,"ytid":"","ytimage":null,"imgdate":"2000-01-01 00:00:00","cuff_cover":null,"cropped_358x214":null,"cropped_842x474":null}]}}