{"id":51207,"date":"2010-12-13T16:26:21","date_gmt":"2010-12-13T14:26:21","guid":{"rendered":"http:\/\/www.nationalturk.com\/?p=51207"},"modified":"2010-12-13T16:26:21","modified_gmt":"2010-12-13T14:26:21","slug":"kredi-karti-borclularina-mujde-kart-borclarina-af-geliyor-13122010","status":"publish","type":"post","link":"https:\/\/www.nationalturk.com\/tr\/kredi-karti-borclularina-mujde-kart-borclarina-af-geliyor-13122010\/","title":{"rendered":"Kredi kart\u0131 bor\u00e7lular\u0131na m\u00fcjde! Kart bor\u00e7lar\u0131na af geliyor"},"content":{"rendered":"

\"\"Vergi bor\u00e7lar\u0131n\u0131n yap\u0131land\u0131r\u0131lmas\u0131n\u0131n ard\u0131ndan, bankalar da milyonlarca ki\u015fiyi ilgilendiren kredi kartlar\u0131 i\u00e7in ilk ad\u0131m\u0131 att\u0131. <\/strong>T\u00fcrkiye Bankalar Birli\u011fi Ba\u015fkan\u0131 \u00d6zince ile g\u00f6r\u00fc\u015fen TESK Ba\u015fkan\u0131 Paland\u00f6ken 400 bin esnaf\u0131n kart borcunun yap\u0131land\u0131r\u0131lmas\u0131 i\u00e7in \u00e7al\u0131\u015fma yapt\u0131klar\u0131n\u0131 s\u00f6yledi
\nBor\u00e7 yap\u0131land\u0131rma tasar\u0131s\u0131n\u0131n ard\u0131ndan g\u00f6zler bankalara \u00e7evrildi. T\u00fcrkiye Bankalar Birli\u011fi (TBB) Ba\u015fkan\u0131 Ersin \u00d6zince, kart bor\u00e7lar\u0131n\u0131n yap\u0131land\u0131r\u0131lmas\u0131 konusunda ye\u015fil \u0131\u015f\u0131k yakt\u0131. TBB ile T\u00fcrkiye Esnaf ve Sanatk\u00e2rlar\u0131 Konfederasyonu (TESK) genel sekreterlerinin de aralar\u0131nda yer ald\u0131\u011f\u0131 alt\u0131 ki\u015filik komisyon bug\u00fcn kuruluyor. Komisyon, yap\u0131land\u0131rman\u0131n takvimi, uygulanacak faiz oran\u0131 gibi ayr\u0131nt\u0131lar\u0131 bankalar\u0131n da g\u00f6r\u00fc\u015f\u00fcn\u00fc alarak belirleyecek. 400 bin kart bor\u00e7lusu esnaf ve takibe d\u00fc\u015fen 2 milyon vatanda\u015f\u0131n umutla bekledi\u011fi yap\u0131land\u0131rma \u00e7al\u0131\u015fmas\u0131 10 g\u00fcn i\u00e7inde tamamlanacak. Devlet bor\u00e7lusuyla bar\u0131\u015ft\u0131, s\u0131ra bankalara olan kredi kart\u0131 bor\u00e7lar\u0131na geldi. Kredi kart\u0131 borcu olan esnafa da yeniden yap\u0131land\u0131rma umudu do\u011fdu. Kredi kart\u0131 bor\u00e7lar\u0131 nedeniyle zorlu bir y\u0131l ge\u00e7iren esnaf, ikinci kez TBB’nin kap\u0131s\u0131n\u0131 \u00e7ald\u0131. TBB Ba\u015fkan\u0131 Ersin \u00d6zince ile g\u00f6r\u00fc\u015fen TESK Ba\u015fkan\u0131 Bendevi Paland\u00f6ken, ortak komisyon kurma karar\u0131 ald\u0131klar\u0131n\u0131 belirtti. Paland\u00f6ken, “6 ki\u015filik bu komisyonda genel sekreterler, hukuk i\u015fleri ve mali m\u00fc\u015favirler yer alacak. \u00c7al\u0131\u015fman\u0131n 10 g\u00fcn i\u00e7inde tamamlanmas\u0131 hedefleniyor” dedi.
\n
\n\u00d6Z\u0130NCE’ DEN YE\u015e\u0130L I\u015eIK<\/strong>
\nPaland\u00f6ken, \u015f\u00f6yle devam etti: “TBB’den olumlu sinyal ald\u0131k. Say\u0131n \u00d6zince de bu konuda kat\u0131 de\u011fil tam tersine olumlu bak\u0131yor. Hemen d\u00fc\u011fmeye bas\u0131lmas\u0131 gerekiyor. Yeni y\u0131ldan \u00f6nce mali milat ba\u015flamal\u0131. Esnaf da 2011’e s\u0131f\u0131rdan ba\u015flamal\u0131. Yakla\u015f\u0131k 400 bin esnaf\u0131n s\u0131k\u0131nt\u0131s\u0131 var. H\u00fck\u00fcmet, bor\u00e7lar\u0131 yap\u0131land\u0131r\u0131yor. Bu bor\u00e7lar kredi kart\u0131 ile \u00f6denebilecek. Yap\u0131land\u0131r\u0131l\u0131rsa kredi kart\u0131n\u0131 da kullanabilecek, bankalar da kazanacak.”
\n
\nBDDK Ba\u015fkan\u0131 Tevfik Bilgin’le randevu<\/strong>
\nTESK Ba\u015fkan\u0131 Paland\u00f6ken, bu hafta da, Ba\u015fbakan Yard\u0131mc\u0131s\u0131 Ali Babacan ve BDDK Ba\u015fkan\u0131 Tevfik Bilgin’den randevu talep etti. Kredi kart\u0131 bor\u00e7lar\u0131n\u0131n yap\u0131land\u0131r\u0131lmas\u0131 konusunda destek isteyeceklerini anlatan Paland\u00f6ken, “Banka masraflar\u0131 el yak\u0131yor. BDDK’dan da bu konuda \u00e7\u00f6z\u00fcm bulmas\u0131n\u0131 talep edece\u011fiz. Daha \u00f6nce \u00e7\u0131kar\u0131lan sicil yap\u0131land\u0131r\u0131lmas\u0131 ile ilgili kanunu \u015fu an y\u00fcr\u00fcrl\u00fckte. Ancak, bankalar nedense bu konuda ellerini ta\u015f\u0131n alt\u0131na koymuyorlar. 5-10 y\u0131l \u00f6nce 500 veya bin liray\u0131 zaman\u0131nda \u00f6deyemedi\u011fi i\u00e7in kara listeye girmi\u015f olan bu insanlar\u0131n \u00f6n\u00fc mutlaka a\u00e7\u0131lmal\u0131. \u00dczerinden y\u0131llar ge\u00e7mi\u015f olan bu kara listeler art\u0131k rafa kald\u0131r\u0131l\u0131p temiz sayfa a\u00e7\u0131lmal\u0131” dedi.<\/p>\n

\u00d6zince: Kredi kart\u0131 kimlik gibi oldu<\/strong>
\nErsin \u00d6zince de, Bendevi Paland\u00f6ken ile g\u00f6r\u00fc\u015fmesinde bankalar\u0131n uygulad\u0131klar\u0131 faiz oranlar\u0131 ve i\u015flem \u00fccretlerinin farkl\u0131 oldu\u011funa dikkat \u00e7ekerek, “Bunlar\u0131 g\u00f6zetmek zorunday\u0131z. Komisyon, bankalar\u0131n da g\u00f6r\u00fc\u015f\u00fcn\u00fc alarak geni\u015f kapsaml\u0131 bir \u00e7al\u0131\u015fma yaps\u0131n. Ona g\u00f6re de\u011ferlendirelim” dedi. “Kredi kart\u0131 kimlik gibi oldu” diyen \u00d6zince, \u015funlar\u0131 s\u00f6yledi: “Vatanda\u015flar kredi kartlar\u0131ndan \u00e7ok t\u00fcketici kredileri kullans\u0131nlar. \u00d6rne\u011fin, konut, otomotiv gibi ihtiya\u00e7 kredilerini kullans\u0131nlar. Bug\u00fcn kredi kart\u0131nda faiz oranlar\u0131 y\u0131ll\u0131k y\u00fczde 40’a gelirken, t\u00fcketici kredisi bunun d\u00f6rtte biri. Alternatif kredi kullan\u0131lmal\u0131, bankalarla pazarl\u0131k yap\u0131lmal\u0131.”<\/p>\n

Babacan: Engel yok<\/strong>
\nBabacan, kredi kartlar\u0131yla ilgili yasan\u0131n 2009’da \u00e7\u0131kt\u0131\u011f\u0131n\u0131 an\u0131msatarak, “Bankalar kendi aralar\u0131nda ortak bir zemin yakalayamad\u0131\u011f\u0131 i\u00e7in o yasal d\u00fczenleme yap\u0131lm\u0131\u015ft\u0131. Yasal d\u00fczenlemenin s\u00fcresi bittikten sonra dahi onu aynen uygulamaya devam ettiler. \u015eu anda bankalar\u0131n benzer bir uygulama yapmas\u0131n\u0131n \u00f6n\u00fcnde engel yok” demi\u015fti.<\/p>\n

10 milyon bor\u00e7lu 30 milyar TL bor\u00e7<\/strong>
\nBDDK verilerine g\u00f6re, 10 milyon ki\u015finin 30 milyar liray\u0131 a\u015fk\u0131n kredi kart\u0131 borcunun 4.1 milyar liras\u0131 takibe al\u0131nm\u0131\u015f durumda. Takipteki kart bor\u00e7lar\u0131n\u0131n yeniden yap\u0131land\u0131rmas\u0131n\u0131n Mart 2011’i bulaca\u011f\u0131 belirtiliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"

Vergi bor\u00e7lar\u0131n\u0131n yap\u0131land\u0131r\u0131lmas\u0131n\u0131n ard\u0131ndan, bankalar da milyonlarca ki\u015fiyi ilgilendiren kredi kartlar\u0131 i\u00e7in ilk ad\u0131m\u0131 att\u0131. <\/p>\n","protected":false},"author":4,"featured_media":51210,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6199,5005],"tags":[44883,38188,56533,56531,56527,56532,56530,56528,56529,56525],"class_list":["post-51207","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-manset","tag-banka","tag-bddk","tag-bddk-baskani-tevfik-bilgin","tag-esnaf","tag-kredi-karti","tag-kredi-karti-borcunun-yapilandirilmasi","tag-tesk-baskani-palandoken","tag-turkiye-bankalar-birligi","tag-turkiye-bankalar-birligi-baskani-ersin-ozince","tag-vergi-borcu"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/posts\/51207","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/comments?post=51207"}],"version-history":[{"count":0,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/posts\/51207\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/media\/51210"}],"wp:attachment":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/media?parent=51207"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/categories?post=51207"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/tags?post=51207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}