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Konut kredisi kullanacaklar dikkat | Sigorta yaptırmak zorunlu mu? Erken ödeme tazminatı yasal mı? Giriş Tarihi: 11 Mart 2024 23:51 Güncelleme Tarihi: 11 Mart 2024 11:53
Ticaret Bakanlığı, bankaların uymakla yükümlü olduğu konularda vatandaşı uyardı. Konut kredisi yaparken sigorta zorunluluğu yok, erken kapama tazminatında faiz sınırı var. İşte haklarınız...
Milyonlarca vatandaş kredi çekerek ev sahibi olmak için bankaların kapısını çalıyor. Bankalar ise vatandaşa krediyi verirken yasalara aykırı olan bazı hususlarda dayatmada bulunuyor. Ticaret Bakanlığı, konut finansmanı sözleşmeleri kapsamında hem banka hem de kredi kullanacaklar için kuralları belirledi.
Konut finansmanı sözleşmelerinde sigorta yaptırmak zorunlu mudur? Tüketicinin açık talebi olmaksızın kredi ile ilgili zorunlu deprem sigortası olan DASK harici sigorta yaptırılamaz. Tüketici sigorta yaptırmak istemesi halinde ise istediği sigorta şirketinden poliçe satın alabilir. Banka illaki sigortanın kendisi tarafından yaptırılması konusunda tüketiciye şart koşamaz. Ancak yapılacak bu sigortanın kredi konusuyla, kalan borç tutarıyla ve vadesi ile uyumlu olması gerekir.
Konut finansmanı sözleşmesi yan finansal ürün alım şartına bağlanabilir mi? Konut finansmanı sözleşmesi kredi ile ilgili olanlar hariç olmak üzere otomatik ödeme talimatı, tamamlayıcı sağlık sigortası gibi yan finansal ürün ve hizmet alım şartına bağlanamaz. Bankaların qşart koştuğu fatura ödeme talimatı verme şartı yasalara aykırı olarak kabul ediliyor.
Konut kredilerinde tüketicinin temerrüte düşmesi (borcunu ödeyememesi) durumunda kalan borcun tamamı hangi şartlarda talep edilebilir? Tüketicinin taksitleri ödemede temerrüte düşmesi durumunda eğer kredi veren tüm borcun ödenmesi hakkını saklı tutmuş ise bu hakkı ancak kredi verenin tüm yükümlülüklerini yerine getirmiş olması ve tüketicinin de birbirini izleyen en az iki taksiti ödememesi durumunda kullanabilir. Bankanın bu hakkı kullanabilmesi için tüketiciye en az 30 gün süre vererek uyarıda bulunması gerekiyor. Süre sonunda bankanın tüketici hakkında işlem başlatma hakkı bulunuyor.
Konut kredisini erken ödemek isteyen tüketiciden bankanın talep ettiği erken ödeme tazminatı yasal mıdır? Kredinin faiz oranı sabit olarak belirlenmiş ise, sözleşmede yer alması şartıyla, tüketicinin borçlandığı tutarın tamamını veya bir taksit tutarından az olmamak üzere herhangi bir tutarı vadesinden önce ödemesi durumunda tüketiciden erken ödeme tazminatı talep edilebilir. Bu tazminat, erken ödenen anapara tutarının kalan vadesi 36 ayı aşmayan kredilerde yüzde 1'ini, 36 ayı aşan kredilerde yüzde 2'sini geçemez. Bu tutar hiçbir şekilde tüketiciye yapılacak toplam indirim tutarını aşamaz. Değişken faiz oranlı kredilerde ise tüketiciden erken ödeme tazminatı talep edilemez.
Kredi kullandırırken hayat sigortası yaptırılması yasal mıdır? Bankalar özellikle belli yaşın üzerindeki kişilere kredi kullandırırken verdikleri krediyi güvence altına almak gerekçesiyle hayat sigortası yaptırma şartı koşuyor. Ancak bakanlık zaten konuta kredi karşılığında banka tarafından ipotek konulduğunu belirterek, kredinin ödenmemesi halinde bankanın evi satışa çıkararak zararını karşılayabileceğini belirtiyor. Hayat sigortasının da yasal bir dayanağı bulunmuyor.
Kredi borcunun tamamının erken kapatılması durumunda, sigortada kalan kısmının geri alınması mümkün müdür? Kredi bağlantılı yapılan sigortalarda kredinin erken kapatılması halinde sigorta teminatı açısından sonlandırmaya ilişkin bir dilekçeyle sigorta sözleşmesi sonlandırılarak bakiye kalan süre için sigorta priminden kalan miktarın iadesi talep edilebilir. Bu durumda riskin devam ettiği gün hesaplanarak fazladan kalan gün sayısı kadar tutar iade edilebilir. Yani vatandaşlar kredilerini kapattıkları tarihte eğer isterlerse hayat sigortasını bitirebilir.