{"id":1496,"date":"2023-02-21T17:48:26","date_gmt":"2023-02-21T17:48:26","guid":{"rendered":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/2023\/02\/21\/bankacilik-duzenleme-ve-denetleme-kurumu\/"},"modified":"2023-02-21T17:48:26","modified_gmt":"2023-02-21T17:48:26","slug":"bankacilik-duzenleme-ve-denetleme-kurumu","status":"publish","type":"post","link":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/2023\/02\/21\/bankacilik-duzenleme-ve-denetleme-kurumu\/","title":{"rendered":"Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu"},"content":{"rendered":"<h2 class=\"wp-block-heading\">T.C. Hazine ve Maliye Bakanl\u0131\u011f\u0131 sosyal medya platformu \u00fczerinden Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun deprem b\u00f6lgesinde ya\u015fayan vatanda\u015flar\u0131m\u0131z i\u00e7in att\u0131\u011f\u0131 ad\u0131mlar\u0131 duyurdu. <\/h2>\n<ul class=\"wp-block-list\">\n<li>Deprem b\u00f6lgesinde ya\u015fayan vatanda\u015flar\u0131n bor\u00e7lar\u0131na y\u00f6nelik esneklik tan\u0131mak amac\u0131yla BDDK d\u00fczenlemeleri ger\u00e7ekle\u015ftirildi.<\/li>\n<li>Deprem b\u00f6lgesinde yerle\u015fik ki\u015filere yeni kulland\u0131r\u0131lacak veya yeniden yap\u0131land\u0131rmaya tabi tutulacak konut, ta\u015f\u0131t ve t\u00fcketici kredilerinin vadelerine ili\u015fkin daha \u00f6nce belirlenen s\u00fcrelerin kald\u0131r\u0131lmas\u0131, \u00f6demesiz d\u00f6nem uygulamas\u0131n\u0131n da bankalara b\u0131rak\u0131lmas\u0131.<\/li>\n<li>Bu illerde yerle\u015fik \u00fcye i\u015fyerlerince kredi kartlar\u0131 ile ger\u00e7ekle\u015ftirilecek mal ve hizmet sat\u0131mlar\u0131nda da kredi kartlar\u0131 taksitlendirme s\u00fcrelerinin bir kata kadar art\u0131r\u0131lmas\u0131.<\/li>\n<li>Kredi kartlar\u0131nda limite bak\u0131lmaks\u0131z\u0131n,\u00a0asgari \u00f6deme tutar\u0131n\u0131n\u00a0d\u00f6nem borcunun y\u00fczde 20\u2019si olarak belirlenmesi.<\/li>\n<li>Kart limiti tespit edilirken bankalarca dikkate al\u0131nan s\u0131n\u0131rlar y\u00fckseltilerek\u00a0bankalarca toplam kart limitinin ilk y\u0131l i\u00e7in ilgilinin ayl\u0131k ortalama net gelirinin 4 kat\u0131n\u0131,\u00a0ikinci ve sonraki y\u0131llar i\u00e7in ise 8 kat\u0131n\u0131 a\u015fmayacak \u015fekilde belirlenmesi.<\/li>\n<li>Ayl\u0131k veya y\u0131ll\u0131k ortalama gelir d\u00fczeyinin tespit edilememesi durumunda ger\u00e7ek\u00a0ki\u015filerin edinebilecekleri\u00a0kredi kartlar\u0131n\u0131n\u00a0toplam limitinin\u00a02.000 TL\u2019den 5.000 TL\u2019ye y\u00fckseltilmesi.<\/li>\n<li>Asgari tutar\u0131\u00a0\u00f6denmeyen kredi kartlar\u0131n\u0131n nakit kullan\u0131m\u0131na, mal ve hizmet al\u0131m\u0131na kapat\u0131lmas\u0131na, iptaline ve borcun tamam\u0131 \u00f6deninceye kadar yeni kredi kart\u0131 d\u00fczenlenmemesine ili\u015fkin\u00a0hususlar\u0131n\u00a0bankalar\u0131n ihtiyar\u0131na b\u0131rak\u0131lmas\u0131.<\/li>\n<li>Kart bor\u00e7lar\u0131n\u0131n \u00f6telendi\u011fi s\u00fcre boyunca asgari tutar da\u00a0d\u00e2hil\u00a0olmak \u00fczere bankalar\u0131n alacaklar\u0131n\u0131 talep etmeyerek \u00f6demesiz d\u00f6nemler tan\u0131mlayabilmelerine\u00a0imk\u00e2n\u00a0sa\u011flanmas\u0131.<\/li>\n<li>Bankalar, finansal\u00a0kiralama,\u00a0faktoring ve\u00a0finansman\u00a0\u015firketlerince kulland\u0131r\u0131lan t\u00fcketici ve ta\u015f\u0131t kredilerinin anapara ve faiz \u00f6demelerinin m\u00fc\u015fterilerin talebi \u00fczerine ertelenmesi halinde erteleme s\u00fcresinin, ilgili mevzuatta belirlenen vade s\u0131n\u0131rlar\u0131nda dikkate al\u0131nmamas\u0131.<\/li>\n<li>Kredi\u00a0m\u00fc\u015fterilerinden\u00a0al\u0131nmas\u0131 gereken kredi derecelendirme notlar\u0131 ile al\u0131nmas\u0131 zorunlu olan ilave belgelerin temininin bankalar\u0131n ihtiyar\u0131na b\u0131rak\u0131lmas\u0131.<\/li>\n<li>Kredi kulland\u0131r\u0131mlar\u0131na ili\u015fkin olarak ba\u011f\u0131ms\u0131z denetime tabi olan\u00a0\u015firketler taraf\u0131ndan bankalara tevdi edilmesi gereken bilgi ve belgelere ili\u015fkin s\u00fcrelerin deprem b\u00f6lgesindeki illerdeki \u015firketler\u00a0i\u00e7in\u00a0uzat\u0131lmas\u0131.<\/li>\n<li>Deprem felaketinden etkilenen m\u00fc\u015fterilere kulland\u0131r\u0131lan kredilerin gayrimenkul niteli\u011findeki teminatlar\u0131n\u0131n de\u011ferlemesi ile ilgili s\u00fcrelerin ertelenmesi.<\/li>\n<li>Kredi vade s\u0131n\u0131r\u0131 ve kredi kart\u0131 taksit s\u0131n\u0131r\u0131na ili\u015fkin sa\u011flanan esnekliklerin 01.01.2024 tarihine kadar uzat\u0131lmas\u0131.<\/li>\n<li>Kimlik do\u011frulama s\u00fcrecinde iki bile\u015fenli do\u011frulaman\u0131n yap\u0131lamad\u0131\u011f\u0131 durumlarda, \u00f6ncelikle PIN olmak \u00fczere, g\u00fcvenlik sorusu, m\u00fc\u015fterinin demografik bilgileri veya bankada yer alan di\u011fer bilgilerin kullan\u0131larak kimlik do\u011frulama i\u015fleminin hayata ge\u00e7irilmesi.<\/li>\n<li>M\u00fc\u015fterilerin bilgileri d\u0131\u015f\u0131nda kart kullan\u0131mlar\u0131n\u0131n engellenmesini teminen kartl\u0131 \u00f6demelerde yapaca\u011f\u0131 ilk temass\u0131z i\u015flemlerinde \u015fifre girilmesinin sa\u011flanmas\u0131, sonraki i\u015flemler i\u00e7in mevcut uygulaman\u0131n s\u00fcrd\u00fcr\u00fclmesi.<\/li>\n<li>Paylar\u0131 borsada i\u015flem g\u00f6ren bankalar\u0131n, 6 \u015eubat\u2019tan 1 Ocak 2024\u2019e kadar geri al\u0131m yoluyla edindikleri kendi hisse senetlerinin, \u00e7ekirdek sermayeden indirim kalemi olarak dikkate al\u0131nmamas\u0131.<\/li>\n<li>Bireysel kredi kartlar\u0131na ve ihtiya\u00e7 kredilerine uygulanan y\u00fcksek risk a\u011f\u0131rl\u0131klar\u0131n\u0131n, 6 \u015eubat tarihinden sonra deprem b\u00f6lgesindeki illerde yerle\u015fik ger\u00e7ek ki\u015filere kulland\u0131r\u0131lanlar bak\u0131m\u0131ndan 1 Ocak 2024 tarihine kadar uygulanmamas\u0131.<\/li>\n<li>Ticari nitelikteki nakdi kredilere uygulanan y\u00fcksek risk a\u011f\u0131rl\u0131klar\u0131n\u0131n, 6 \u015eubat tarihinden sonra deprem felaketinden etkilenen m\u00fc\u015fterilere kulland\u0131r\u0131lanlar bak\u0131m\u0131ndan 1 Ocak 2024 tarihine kadar uygulanmamas\u0131na Kurul taraf\u0131ndan karar verilmi\u015ftir.<\/li>\n<li>Kamu bankalar\u0131 taraf\u0131ndan b\u00f6lgeye yard\u0131m ula\u015ft\u0131r\u0131lmas\u0131 konusunda \u00e7al\u0131\u015fmalar s\u00fcrd\u00fcr\u00fclmektedir. Bankac\u0131l\u0131k hizmetlerinin s\u00fcrd\u00fcr\u00fclmesi i\u00e7in mobil \u015fubeler afet b\u00f6lgesine g\u00f6nderilmi\u015ftir.<\/li>\n<li>T\u00fcrkiye Bankalar Birli\u011fi ile T\u00fcrkiye Kat\u0131l\u0131m Bankalar\u0131 Birli\u011fi taraf\u0131ndan bankalara olan vadesi gelmi\u015f veya 6 ay i\u00e7inde vadesi gelecek bor\u00e7lar\u0131n\u0131n vadesinin bug\u00fcnden itibaren 6 ay sonraya kadar \u00f6telenmesine ve m\u00fc\u015fterilere ek kolayl\u0131klar sa\u011flanmas\u0131na karar verilmi\u015ftir.<\/li>\n<li>Ortak ATM\u2019lerden yap\u0131lacak i\u015flemlerden \u00fccret tahsil edilmemesine y\u00f6nelik karar al\u0131nm\u0131\u015ft\u0131r.<\/li>\n<li>M\u00fccbir halin ya\u015fand\u0131\u011f\u0131 mahalde ikametgah\u0131\/i\u015fyeri adresi veya \u015fubede hesab\u0131 bulunan m\u00fc\u015fterilerin kredi risk, kredi \u00f6deme, senet ve \u00e7ek i\u015flemlerine ili\u015fkin bildirimlerinin, Risk Merkezi m\u00fccbir hal d\u00fczenlemesi \u00e7er\u00e7evesinde yap\u0131lmas\u0131na karar vermi\u015ftir.<\/li>\n<li><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>T.C. Hazine ve Maliye Bakanl\u0131\u011f\u0131 sosyal medya platformu \u00fczerinden Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun deprem b\u00f6lgesinde ya\u015fayan vatanda\u015flar\u0131m\u0131z i\u00e7in att\u0131\u011f\u0131 ad\u0131mlar\u0131 duyurdu. Deprem b\u00f6lgesinde ya\u015fayan vatanda\u015flar\u0131n bor\u00e7lar\u0131na y\u00f6nelik esneklik tan\u0131mak amac\u0131yla BDDK d\u00fczenlemeleri ger\u00e7ekle\u015ftirildi. Deprem b\u00f6lgesinde yerle\u015fik ki\u015filere yeni kulland\u0131r\u0131lacak veya yeniden yap\u0131land\u0131rmaya tabi tutulacak konut, ta\u015f\u0131t ve t\u00fcketici kredilerinin vadelerine ili\u015fkin daha \u00f6nce belirlenen [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1497,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-1496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-borsa-haberleri"],"_links":{"self":[{"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/posts\/1496","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/comments?post=1496"}],"version-history":[{"count":0,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/posts\/1496\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/media\/1497"}],"wp:attachment":[{"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/media?parent=1496"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/categories?post=1496"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/tags?post=1496"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}