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Bankalar tarafından bir açıklama yapıldı ve bundan 3 sene evvel promosyon kontratı imza atan, promosyon kontratı bu yıl biten emeklilere promosyon ödemesi yapılacağına yer verildi. 3 sene evvel promosyon imza atan ve promosyon kontratı bu yıl biten emekliler, ücretlerini istedikleri bankaya taşıyabilir ve emekli ücretini başka bankadan alabilir, o bankanın kampanyalarından yararlanabilir. Borçlarından bir an önce kurtulmak isteyen vatandaşlar için merak edilen yapılandırma süreçlerinin başvuruları son buldu. Ortalama olarak on milyondan daha fazla vatandaş iki yüz milyar civarında silinen borçlardan kurtuldu. Bir yandan bu silinen borçların üzerine enflasyon farkları da eklendi.
Yapılandırma…
Peşin ödeme yapmay�� tercih eden vatandaşların borçlarının yüzde doksan oranındaki kısmı silindi. Peşin ödemek yerine taksitli ödemeyi tercih eden vatandaşlar için on sekiz ya da otuz altı ay vade imkanları sunuldu. Silinen borçların faizlerinin geri iptal edilmemesi için bu günlerde vatandaşların ilk üç taksit ödemelerini geciktirmeden zamanında yapması gerekiyor.Taksit ödemeleri 1 Mart tarihi ile başlayacak. 31 Mart tarihi son ilk taksitin ödeme günü olacak. Taksit ödemeleri her iki ayda bir olarak belirlenecek.
Gelen yeni düzenleme sayesinde ilk iki taksiti zamanında ödememiş olan vatandaşlar için ek bir şans daha verilecek. Fakat ilk iki taksit ödemesini herkesin zamanında ödeme şartı yer alıyor. Ödenmemiş olan iki taksitlik borcun zamanı geçtiğinden dolayı faizleri de ödemek zorunda kalacaklar. Borcu kalan vatandaşlar bu kısmı ödemezlerse kısmı bir şekilde kanun gereği tahsis işlemleri yapılacak.
On milyon başvuru
Yapılandırma süreçleri için bu zorlu günlerde vatandaşlar borçlarını ödemek konusunda bir hayli zorluk çektiler. Bu günlerde tam on milyon vatandaş başvuru yaparak borçlarının silinmesi için harekete geçmeyi başardı.
YAPILANDIRMA HESAPLAMA
Borçların yapılandırılmasında yüzde 0.35 olarak belirlenen Yİ-ÜFE esas alınacak. Gecikme zammı ya da faizi yerine Yİ-ÜFE katsayısı dikkate alınacak ve borçluya seçenekler sunulacak. 6 ila arasında 18 taksit yapılabilecek, ikişer ayda bir ödeme yapılabilecek. Peşin ödemeyi tercih eden borçlulara yüzde 90 oranında hesaplanan Yİ-ÜFE tutarından indirim yapılacak. İlk 2 taksit ödeme süresi içinde borcunu tamamen ödeyen borçlulara Yİ-ÜFE'de yüzde 50 oranında indirim yapılacak.
Kanundan yararlanmak için ilk 2 taksitin süresinde ödenmesi gerekiyor. İlk iki taksitten sonra ise, bir takvim yılında 2 taksit süresinde ödenmezse bir şans daha verilecek. Bu ödenmeyen 2 taksit, son taksiti izleyen ayda gecikme zammıyla birlikte ödenirse kanundan yararlanmaya devam edilebilecek.
BORÇ YAPILANDIRMA NEDİR?
İhtiyaç anında aldığınız bir ihtiyaç kredisini ödemekte zorluk çekebilir ya da SGK borcunuzu ödeyememiş olabilirsiniz. Ya da motorlu taşıtlar vergisi gibi bazı vergilerinizi ödemekte zorlanmışsınızdır. Buna benzer birçok durumda ödemeler zamanında yapılamadığından borçluluk hali artarak devam eder.
Bu gibi durumlar sonucu çeşitli kurumlar tarafından zaman zaman borç yapılandırması yapılarak ödeme kolaylıkları sağlanır. Borçlu olduğunuz miktar için istenen belgeler ile birlikte yetkili mercilere başvurarak borcunuzu bütçenize uygun olacak şekilde yapılandırarak ödeyebilirsiniz.