{"id":1510108,"date":"2020-04-11T12:00:02","date_gmt":"2020-04-11T09:00:02","guid":{"rendered":"http:\/\/www.erzurumflas.com\/altay-bankalarin-ayricaligi-nedir\/"},"modified":"2020-04-11T12:00:06","modified_gmt":"2020-04-11T09:00:06","slug":"altay-bankalarin-ayricaligi-nedir","status":"publish","type":"post","link":"https:\/\/www.erzhaber.com\/?p=1510108","title":{"rendered":"Altay: \u2018Bankalar\u0131n ayr\u0131cal\u0131\u011f\u0131 nedir\u2019"},"content":{"rendered":"<p><img decoding=\"async\" src=\"http:\/\/www.erzurumflas.com\/wp-content\/uploads\/2020\/04\/altay-bankalarin-ayricaligi-nedir_0c6d175.jpg\" width=\"600\">T\u00fcketici Hak Arama Derne\u011fi Genel Ba\u015fkan\u0131 ve T\u00fcketici Birli\u011fi Federasyonu Genel Ba\u015fkan Yard\u0131mc\u0131s\u0131 Nihat Altay, \u00fclkenin t\u00fcm fertleri salg\u0131nla m\u00fccadele noktas\u0131nda seferber olmu\u015fken, bankalar\u0131n m\u00fccadeleye katk\u0131 sa\u011flamamas\u0131 &#8220;hep birlikte ba\u015faraca\u011f\u0131z&#8221; s\u00f6ylemlerine g\u00f6lge d\u00fc\u015f\u00fcrmektedir&#8221; dedi.<\/p>\n<p>Bankalar\u0131n, Korona vir\u00fcs salg\u0131n\u0131n\u0131n etkisiyle \u00f6deme g\u00fc\u00e7l\u00fc\u011f\u00fc \u00e7eken firma ve bireysel m\u00fc\u015fterilerinin kredi taksiti, faiz ve anaparas\u0131n\u0131 cari faiz oran\u0131yla 3 ay erteledi\u011fini ancak erteleme faizlerinin y\u00fcksek oldu\u011funa dair g\u00fcnde onlarca \u015fikayet ve mesaj ald\u0131klar\u0131n\u0131 belirten Nihat Altay, \u015funlar\u0131 kaydetti: \u2018\u2019\u00d6ncelikle halk taraf\u0131ndan yanl\u0131\u015f bilinen bir konuyu belirtmem gerekir ki her banka faiz oran\u0131n\u0131 kendisi belirliyor. Yani ayl\u0131k kredi \u00f6demeleriniz 500 lira ve 10 bin lira kalan borcunuz var ise 3 ay ertelemeye 3 ayl\u0131k borcunuz olan bin 500 lira ertelenmiyor, 10 bin lira borcunuzu 3 ay erteliyor. Yani kalan 10 bin lira borcunuza, yeni kredi \u00e7ekiyormu\u015fsunuz gibi 3 ay vade yap\u0131l\u0131yor ve faizi buna g\u00f6re belirleniyor. Pek \u00e7ok banka faiz oran\u0131n\u0131, ilk kredi \u00e7ekerken uygulanan oran ne ise 3 ayl\u0131k erteleme de ayn\u0131 oran \u00fczerinden i\u015flem yap\u0131yor.<\/p>\n<p>Bizim yetkililerden talebimiz, hi\u00e7 faiz al\u0131nmadan bor\u00e7lar\u0131n \u00f6telenmesiydi. \u00c7\u00fcnk\u00fc m\u00fccbir sebepten dolay\u0131 \u00fclkenin t\u00fcm kurumlar\u0131, firmalar\u0131, bireyleri elini ta\u015f\u0131n alt\u0131na koymu\u015fken, belirli s\u0131k\u0131nt\u0131lar ya\u015f\u0131yorken sadece banklar\u0131n krizi f\u0131rsata \u00e7evirecek \u00f6nemli oranda k\u00e2r elde etmesi vatanda\u015flar\u0131n b\u00fcy\u00fck tepkisine neden oluyor. Firmalara i\u015f\u00e7i \u00e7\u0131karma, eczaneye maske satma, esnafa d\u00fckkan a\u00e7ma denildi\u011fi bir ortamda bankalar\u0131n ba\u015f\u0131na buyruk b\u0131rak\u0131lmas\u0131n\u0131 anlamakta zorluk \u00e7ekiyoruz.<\/p>\n<p>Bankalar\u0131n kredi \u00f6telemelerinde faiz oran\u0131 uygulanacaksa bari bu oran\u0131n devlet taraf\u0131ndan belirlenmesi gerekirdi. Her birey, i\u015fletme vir\u00fcsten sonra ki s\u00fcreci d\u00fc\u015f\u00fcnmeksizin kredi almak veya olan\u0131 \u00f6telemek i\u00e7in neredeyse bankalar\u0131n \u00f6n\u00fcnde ve internet bankac\u0131l\u0131\u011f\u0131nda kamp kurmu\u015f durumdayken devletin belirleyece\u011fi oranla t\u00fcketicilerin, bankalar\u0131n a\u011f\u0131r \u015fartlar\u0131na teslim edilmemesi gerekirdi.\u2019\u2019<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00dcKET\u0130C\u0130 HAK ARAMA DERNE\u011e\u0130 GENEL BA\u015eKANI VE T\u00dcKET\u0130C\u0130 B\u0130RL\u0130\u011e\u0130 FEDERASYONU GENEL BA\u015eKAN YARDIMCISI N\u0130HAT ALTAY, \u00dcLKEN\u0130N T\u00dcM FERTLER\u0130 SALGINLA M\u00dcCADELE NOKTASINDA SEFERBER OLMU\u015eKEN, BANKALARIN M\u00dcCADELEYE KATKI SA\u011eLAMAMASI &#8220;HEP B\u0130RL\u0130KTE BA\u015eARACA\u011eIZ&#8221; S\u00d6YLEMLER\u0130NE G\u00d6LGE D\u00dc\u015e\u00dcRMEKTED\u0130R&#8221; DED\u0130.<\/p>\n","protected":false},"author":1,"featured_media":1510109,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[28693,2369,73182,24003],"class_list":["post-1510108","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-erzurum-haber","tag-nedir","tag-altay","tag-ayricaligi","tag-bankalarin"],"_links":{"self":[{"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/posts\/1510108","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1510108"}],"version-history":[{"count":0,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/posts\/1510108\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/media\/1510109"}],"wp:attachment":[{"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1510108"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1510108"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1510108"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}