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KYK burs ve kredi sonuçları açıklandı. Öğrenim kredi si alacak öğrenciler,kredinin geri ödemesi hakkında detayları araştırmaya başladı. Merak edilen soruların başında 'Öğrenim kredisi faiz i ne kadar?' sorusu geliyor. İşte merak edilen detaylar...
Öğrenim kredisi, öğrenim sürecinin tamamlanmasının ardından devlete geri ödenen destektir.
KYK BURS VE KREDİ SONUÇLARINI ÖĞRENMEK İÇİN TIKLAYINIZ
ÖĞRENİM KREDİSİ FAİZİ NE KADAR?
Önlisans, lisans öğrencilere veya ara vererek Master-Doktora öğrenimi yapan öğrenciler borç larını; öğrenim gördüğü öğretim kurumunun normal öğrenim süresinin bitiminden itibaren iki yıl sonraki aydan başlamak üzere, Lisans öğreniminden sonra öğrenimine ara vermeden master öğrenimine devam eden öğrenciler, borçlarını lisans öğreniminin bitiminden itibaren dört yıl sonraki aydan başlamak üzere,
Lisans ve/veya master öğreniminden sonra, öğrenimine ara vermeden doktora öğrenimine devam eden öğrenciler, borç larını doktora öğreniminin normal öğrenim süresinin bitiminden itibaren iki yıl sonraki aydan başlamak üzere, Kredi aldığı sürenin yarısı kadar sürede ve üçer aylık dönemler halinde ödemek zorundadırlar.
Devam ettiği öğretim kurumunu değiştiren öğrencilerin öğrenim sürelerinin bitiş ve borçlarının tahsilat başlangıç tarihi yeni öğretim kurumlarının normal öğrenim süresine göre hesap edilir.
Kurumdan öğrenim kredi si alan öğrencilerin borcu, öğrenim kredilerinin verildiği tarihten öğrenim süresinin bitimine kadar geçen sürede veya herhangi bir sebeple kredisinin kesildiği tarihe kadar öğrenim kredisi olarak verilen miktarlara, Devlet İstatistik Enstitüsünün toptan eşya fiyat endeksindeki artışlar uygulanarak hesaplanacak miktarın ilave edilmesi suretiyle tespit edilir.
Endeks uygulanmasına, kredi borç larının geri ödenmesine ve taksitlendirilmesine ilişkin esas ve usulleri belirlemeye, öğrencilerin borçlarından birinci fıkraya göre hesaplanan endeks artışından ilave edilen miktarın % 50 sine kadar indirim yapmaya Yönetim Kurulu yetkilidir.
İndirim uygulandıktan sonra öğrencilerin ödeyecekleri bakiye kredi borcu, öğrencilerin eğitimi süresince Kurumdan aldığı toplam kredi miktarının 3 katını geçemez.
ÖĞRENİM KREDİSİ NEDİR?
Yüksek öğrenim gören T.C. vatandaşı öğrencileri maddi yönden desteklemek, sosyal ve kültürel gelişmelerini kolaylaştırmak amacıyla devam ettikleri yüksek öğretim kurumlarının normal öğrenimi süresince verilen, zorunlu hizmet yükümlülüğü bulunmayan borç paradır.
Öğrenim kredi si borcu; öğrenciye normal öğrenimi süresince verilen miktarlara Türkiye İstatistik Kurumu Yurt İçi Üretici Fiyat Endeksindeki artışlar uygulanarak, hesaplanacak miktarın ilave edilmesi ile tespit edilir.
Öğrenim Kredisinden Yararlanacak Öğrenciler;
*Ön lisans öğrencileri, *Lisans öğrencileri, *Açık Öğretim öğrencilerinden sadece önceliğe sahip öğrenciler; şehit veya gazi çocuğu, anne ve babası her ikisi de ölü vb.), *İki yıllık okullardan mezun olup, dört yıllık okullara dikey geçiş sınavı ile ara vermeden kayıt yaptıran öğrenciler(intibak sınıfında öğrenim kredi si verilmez), *Yüksek lisans(Master ve Doktora) öğrencileri, öğrenim kredisinden yararlanabilirler.
Not: Bir öğrenci aynı anda, hem burs hem de öğrenim kredisi alamaz.
BURSUN GERİ ÖDEMESİ VAR MI? Kurum gerekli gördüğü takdirde burs alan öğrencilerin belge veya durumlarını araştırabilir. Araştırma sonucunda öğrencinin belgelerinde veya durumunda gerçeğe aykırı bir hususun tespit edilmesi halinde bursu kesilir. Ödenen bursların tamamı öğrenim kredi si borcuna dönüştürülerek, 18/01/1997 tarihli ve 22881 sayılı Resmi Gazetede yayımlanan Yüksek Öğrenim Kredi ve Yurtlar Kurumu Öğrenim Kredisi Yönetmeliğinde belirlenen esaslara göre tahsil edilir.
Öğrenim görmekte olduğu öğretim kurumundan en az bir yarıyıl uzaklaştırma cezası alanların bursları, ceza aldığı tarih itibariyle kesilir. Verilen disiplin cezasının öğretim kurumunca geç bildirilmesi halinde ise cezanın verildiği tarihten sonra yapılan . Bu tarihten sonra ödenen burs miktarları öğrenim kredi si borcuna dönüştürülerek, Yüksek Öğrenim Kredi ve Yurtlar Kurumu Öğrenim Kredisi Yönetmeliği hükümlerine göre tahsil edilir.
Öğrenciye burs verilmekte iken, bursun kesilmesini gerektirecek bir durum ortaya çıktığında, bursun kesilmesini gerektiren durumun gerçekleştiği tarih itibariyle bursu kesilir. Bu tarihten sonra ödenen burs miktarları öğrenim kredi si borcuna dönüştürülerek, Yüksek Öğrenim Kredi ve Yurtlar Kurumu Öğrenim Kredisi Yönetmeliği hükümlerine göre tahsil edilir.