{"id":7437,"date":"2014-10-03T06:15:03","date_gmt":"2014-10-03T06:15:03","guid":{"rendered":"http:\/\/www.alohaber.net\/wp\/?p=7437"},"modified":"2014-10-03T06:15:03","modified_gmt":"2014-10-03T06:15:03","slug":"finansal-tuketicilerden-alinacak-ucretlere-iliskin-usul-ve-esaslar-hakkinda-yonetmelik","status":"publish","type":"post","link":"https:\/\/www.alohaber.net\/wp\/2014\/10\/finansal-tuketicilerden-alinacak-ucretlere-iliskin-usul-ve-esaslar-hakkinda-yonetmelik\/","title":{"rendered":"Finansal T\u00fcketicilerden Al\u0131nacak \u00dccretlere \u0130li\u015fkin Us\u00fbl ve Esaslar Hakk\u0131nda Y\u00f6netmelik"},"content":{"rendered":"

\"bddk\"<\/a>Bu Y\u00f6netmeli\u011fin amac\u0131, kurulu\u015flar taraf\u0131ndan finansal t\u00fcketicilere sunulan\u00a0\u00fcr\u00fcn veya hizmetlere ili\u015fkin olarak faiz veya k\u00e2r pay\u0131\u00a0d\u0131\u015f\u0131nda al\u0131nacak her t\u00fcrl\u00fc\u00a0\u00fccret,<\/span><\/p>\n

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03 Ekim 2014 Tarihli Resmi Gazete<\/p>\n

Say\u0131: 29138<\/p>\n

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumundan:<\/p>\n

F\u0130NANSAL T\u00dcKET\u0130C\u0130LERDEN ALINACAK\u00a0\u00dcCRETLERE\u00a0\u0130L\u0130\u015eK\u0130N US\u00dbL VE ESASLAR HAKKINDA Y\u00d6NETMEL\u0130K<\/strong><\/p>\n

B\u0130R\u0130NC\u0130\u00a0B\u00d6L\u00dcM<\/strong><\/p>\n

Ama\u00e7, Kapsam, Dayanak ve Tan\u0131mlar<\/strong><\/p>\n

Ama\u00e7 <\/strong><\/p>\n

MADDE 1\u00a0\u2013<\/strong>\u00a0(1) Bu Y\u00f6netmeli\u011fin amac\u0131, kurulu\u015flar taraf\u0131ndan finansal t\u00fcketicilere sunulan\u00a0\u00fcr\u00fcn veya hizmetlere ili\u015fkin olarak faiz veya k\u00e2r pay\u0131\u00a0d\u0131\u015f\u0131nda al\u0131nacak her t\u00fcrl\u00fc\u00a0\u00fccret, komisyon ve masraf t\u00fcrleri ile bunlara ili\u015fkin us\u00fbl ve esaslar\u0131\u00a0belirlemektir.<\/p>\n

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Kapsam<\/strong><\/p>\n

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MADDE 2\u00a0\u2013<\/strong>\u00a0(1) Bu Y\u00f6netmelik bankalar, t\u00fcketici kredisi veren finansal kurulu\u015flar ve kart\u00a0\u00e7\u0131karan kurulu\u015flar ile bu kurulu\u015flar taraf\u0131ndan finansal t\u00fcketiciye sunulan\u00a0\u00fcr\u00fcn veya hizmetleri kapsar.\u00a0\u0130lgili mevzuat\u00a0\u00e7er\u00e7evesinde finansal t\u00fcketicilerin menkul k\u0131ymet ve sigortac\u0131l\u0131k i\u015flemleri ile\u00a0\u00e7ek, senet ve teminat mektubu i\u015flemleri kar\u015f\u0131l\u0131\u011f\u0131nda kurulu\u015flar\u0131n talep edebilecekleri\u00a0\u00fccretler i\u015fbu Y\u00f6netmelik kapsam\u0131nda de\u011fildir.<\/p>\n

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Dayanak<\/strong><\/p>\n

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MADDE 3\u00a0\u2013<\/strong>\u00a0(1) Bu Y\u00f6netmelik, 7\/11\/2013 tarihli ve 6502 say\u0131l\u0131\u00a0T\u00fcketicinin Korunmas\u0131\u00a0Hakk\u0131nda Kanunun<\/a> 4\u00a0\u00fcnc\u00fc\u00a0maddesinin\u00a0\u00fc\u00e7\u00fcnc\u00fc\u00a0f\u0131kras\u0131na dayan\u0131larak haz\u0131rlanm\u0131\u015ft\u0131r.<\/p>\n

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Tan\u0131mlar<\/strong><\/p>\n

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MADDE 4\u00a0\u2013<\/strong>\u00a0(1) Bu Y\u00f6netmeli\u011fin uygulanmas\u0131nda;<\/p>\n

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    \n
  1. a) ATM: Otomatik para\u00a0\u00e7ekme i\u015fleminin yan\u0131\u00a0s\u0131ra di\u011fer bankac\u0131l\u0131k i\u015flemlerinin tamam\u0131n\u0131n veya bir b\u00f6l\u00fcm\u00fcn\u00fcn ger\u00e7ekle\u015ftirilmesine imk\u00e2n veren elektronik i\u015flem cihazlar\u0131n\u0131,<\/li>\n
  2. b) Bakanl\u0131k: G\u00fcmr\u00fck ve Ticaret Bakanl\u0131\u011f\u0131n\u0131,<\/li>\n
  3. c) Banka: 19\/10\/2005 tarihli ve 5411 say\u0131l\u0131\u00a0Bankac\u0131l\u0131k Kanununun<\/a> 3\u00a0\u00fcnc\u00fc\u00a0maddesinde tan\u0131mlanan bankalar\u0131,<\/li>\n<\/ol>\n

    \u00e7) Birlikler: T\u00fcrkiye Bankalar Birli\u011fi, T\u00fcrkiye Kat\u0131l\u0131m Bankalar\u0131\u00a0Birli\u011fi ve Finansal Kiralama, Faktoring ve Finansman\u00a0\u015eirketleri Birli\u011fini,<\/p>\n

     <\/p>\n

      \n
    1. d) Finansal t\u00fcketici: Kanunun 3\u00a0\u00fcnc\u00fc\u00a0maddesinde tan\u0131mlanan t\u00fcketicilerden kurulu\u015flarca kendisine\u00a0\u00fcr\u00fcn veya hizmet sunulan t\u00fcketiciyi,<\/li>\n
    2. e) Hesap: Finansal t\u00fcketicinin vadeli, vadesiz mevduat hesab\u0131\u00a0ile kat\u0131lma ve\u00a0\u00f6zel cari hesab\u0131n\u0131,<\/li>\n
    3. f) Kal\u0131c\u0131\u00a0veri saklay\u0131c\u0131s\u0131: Kanunun 3\u00a0\u00fcnc\u00fc\u00a0maddesinde tan\u0131mlanan kal\u0131c\u0131\u00a0veri saklay\u0131c\u0131s\u0131n\u0131,<\/li>\n
    4. g) Kanun: 7\/11\/2013 tarihli ve 6502 say\u0131l\u0131\u00a0T\u00fcketicinin Korunmas\u0131\u00a0Hakk\u0131nda Kanunu,<\/li>\n<\/ol>\n

      \u011f) Kart\u00a0\u00e7\u0131karan kurulu\u015f: 23\/2\/2006 tarihli ve 5464 say\u0131l\u0131\u00a0Banka Kartlar\u0131\u00a0ve Kredi Kartlar\u0131\u00a0Kanununun<\/a> 3\u00a0\u00fcnc\u00fc maddesinde tan\u0131mlanan kart\u00a0\u00e7\u0131karan kurulu\u015flar\u0131,<\/p>\n

        \n
      1. h) Kurul: Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulunu,<\/li>\n<\/ol>\n

        \u0131) Kurulu\u015flar: Bankalar, t\u00fcketici kredisi veren finansal kurulu\u015flar ve kart\u00a0\u00e7\u0131karan kurulu\u015flar\u0131,<\/p>\n

          \n
        1. i) Kurum: Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunu,<\/li>\n
        2. j) Onay: Yaz\u0131l\u0131\u00a0olarak, kal\u0131c\u0131\u00a0veri saklay\u0131c\u0131s\u0131\u00a0yoluyla veya kayd\u0131\u00a0tutulan telefon kullan\u0131larak veya Kurumca uygun g\u00f6r\u00fclecek y\u00f6ntemlerden herhangi biri ile ula\u015ft\u0131r\u0131lan\u00a0\u00f6nerinin finansal t\u00fcketici taraf\u0131ndan a\u00e7\u0131k\u00e7a kabul edilmesini ya da finansal t\u00fcketici taraf\u0131ndan ula\u015ft\u0131r\u0131lan\u00a0\u00f6nerinin kurulu\u015flar taraf\u0131ndan kabul edilmesini,<\/li>\n<\/ol>\n

           <\/p>\n

            \n
          1. k)\u00a0\u00dccret: Finansal t\u00fcketiciden faiz, k\u00e2r pay\u0131, vergi, fon ve benzeri yasal giderler d\u0131\u015f\u0131nda talep edilen\u00a0\u00fccret, komisyon, masraf ve benzeri adlar alt\u0131ndaki her t\u00fcrl\u00fc\u00a0parasal tutar\u0131,<\/li>\n<\/ol>\n

            ifade eder.<\/p>\n

            \u0130K\u0130NC\u0130\u00a0B\u00d6L\u00dcM<\/strong><\/p>\n

            S\u00f6zle\u015fme Esaslar\u0131,\u00a0\u00dcr\u00fcn veya Hizmetlerin S\u0131n\u0131fland\u0131r\u0131lmas\u0131 <\/strong><\/p>\n

            S\u00f6zle\u015fme esaslar\u0131 <\/strong><\/p>\n

            MADDE 5\u00a0\u2013<\/strong>\u00a0(1) Kurulu\u015flar ile finansal t\u00fcketiciler aras\u0131nda d\u00fczenlenen s\u00f6zle\u015fmeler ve yap\u0131lan bilgilendirmeler en az on iki punto b\u00fcy\u00fckl\u00fc\u011f\u00fcnde, anla\u015f\u0131labilir bir dilde, a\u00e7\u0131k, sade ve okunabilir bir\u00a0\u015fekilde d\u00fczenlenir ve bunlar\u0131n bir n\u00fcshas\u0131\u00a0k\u00e2\u011f\u0131t\u00a0\u00fczerinde veya kal\u0131c\u0131\u00a0veri saklay\u0131c\u0131s\u0131\u00a0vas\u0131tas\u0131yla finansal t\u00fcketiciye verilir.<\/p>\n

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            (2) K\u00e2\u011f\u0131t\u00a0\u00fczerinde d\u00fczenlenecek s\u00f6zle\u015fmelerde,\u00a0\u201cS\u00f6zle\u015fmenin bir n\u00fcshas\u0131n\u0131\u00a0elden ald\u0131m.\u201d\u00a0\u015feklindeki ibarenin finansal t\u00fcketici taraf\u0131ndan yaz\u0131lmas\u0131n\u0131n sa\u011flanmas\u0131\u00a0zorunludur.<\/p>\n

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            (3) S\u00f6zle\u015fmeler kapsam\u0131nda\u00a0\u00fccret al\u0131nabilecek her bir\u00a0\u00fcr\u00fcn veya hizmet i\u00e7in finansal t\u00fcketicinin onay\u0131n\u0131n al\u0131nmas\u0131\u00a0zorunludur. Kurulu\u015flar taraf\u0131ndan finansal t\u00fcketicinin onay\u0131n\u0131n al\u0131nd\u0131\u011f\u0131\u00a0ispat edilemedi\u011fi takdirde, onay al\u0131nmam\u0131\u015f\u00a0say\u0131l\u0131r.<\/p>\n

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            (4) Finansal t\u00fcketiciler ile yap\u0131lacak s\u00f6zle\u015fmeler kapsam\u0131nda sunulacak\u00a0\u00fcr\u00fcn veya hizmetlerin\u00a0\u00fccret tarifesini ve bilgi verilmesi gereken di\u011fer hususlar\u0131\u00a0g\u00f6stermek\u00a0\u00fczere s\u00f6zle\u015fmeye ili\u015fkin her bir\u00a0\u00fcr\u00fcn veya hizmetin asgari olarak; ad\u0131\u00a0ya da tan\u0131m\u0131, vadesi ya da s\u00fcresi, tahsil edilecek faiz, k\u00e2r pay\u0131\u00a0veya\u00a0\u00fccret kalemleri ile bunlar\u0131n tahsil y\u00f6ntemi, ge\u00e7erli oldu\u011fu s\u00fcre, ge\u00e7erlilik s\u00fcresi sonunda yap\u0131lacak de\u011fi\u015fikli\u011fin tutar\u0131, oran\u0131\u00a0ya da de\u011fi\u015fikli\u011fin hangi esasa g\u00f6re yap\u0131laca\u011f\u0131\u00a0hususlar\u0131n\u0131\u00a0i\u00e7erecek\u00a0\u015fekilde bilgilendirme formu haz\u0131rlanmas\u0131\u00a0zorunludur. Bilgilendirme formu s\u00f6zle\u015fmenin ayr\u0131lmaz bir par\u00e7as\u0131d\u0131r. S\u00f6zle\u015fmenin yaz\u0131l\u0131\u00a0olarak kurulmas\u0131\u00a0durumunda bu formun taraflarca imzalanm\u0131\u015fbir n\u00fcshas\u0131n\u0131n finansal t\u00fcketiciye verilmesi zorunludur. Kal\u0131c\u0131\u00a0veri saklay\u0131c\u0131s\u0131\u00a0ve telefon arac\u0131l\u0131\u011f\u0131yla kurulan s\u00f6zle\u015fmelerde finansal t\u00fcketici kullan\u0131lan araca uygun\u00a0\u015fekilde bilgilendirilir.\u00a0\u0130spat y\u00fck\u00fc\u00a0kurulu\u015flara aittir.<\/p>\n

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            (5) Kurulu\u015flar taraf\u0131ndan sunulan\u00a0\u00fcr\u00fcn veya hizmetlere ili\u015fkin sigorta s\u00f6zle\u015fmelerinin,\u00a0\u00fcr\u00fcn veya hizmetlere ili\u015fkin s\u00f6zle\u015fmelerden ayr\u0131\u00a0olarak d\u00fczenlenmesi zorunludur.<\/p>\n

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            \u00dccretlerin s\u0131n\u0131fland\u0131r\u0131lmas\u0131 <\/strong><\/p>\n

             <\/p>\n

            MADDE 6\u00a0\u2013<\/strong>\u00a0(1) Kurulu\u015flar taraf\u0131ndan\u00a0\u00fccretlendirilebilecek olan\u00a0\u00fcr\u00fcn veya hizmetler Ek-1\u2019de s\u0131n\u0131fland\u0131r\u0131lm\u0131\u015ft\u0131r. Bu s\u0131n\u0131fland\u0131rman\u0131n i\u015flemlerin finansal niteliklerine g\u00f6re ayr\u0131m\u0131\u00a0Kurumun uygun g\u00f6r\u00fc\u015f\u00fc\u00a0al\u0131narak Birlikler taraf\u0131ndan yap\u0131l\u0131r. Bu Y\u00f6netmelik ve ekinde yer alanlar\u0131n d\u0131\u015f\u0131nda herhangi bir\u00a0\u00fcr\u00fcn veya hizmet i\u00e7in\u00a0\u00fccret al\u0131namaz.<\/p>\n

             <\/p>\n

            (2) Bu s\u0131n\u0131fland\u0131rmada yer almayan, yeni bir\u00a0\u00fcr\u00fcn veya hizmet grubunun belirlenmesi veya yeni bir\u00a0\u00fccret kaleminin olu\u015fturulabilmesi i\u00e7in ilgili kurulu\u015f\u00a0taraf\u0131ndan Kuruldan izin al\u0131nmas\u0131\u00a0zorunludur. Kurul gerekli g\u00f6rd\u00fc\u011f\u00fchallerde Ek-1\u2019deki listeyi de\u011fi\u015ftirmeye yetkilidir. Ek-1\u2019deki listenin Kurul taraf\u0131ndan de\u011fi\u015ftirilmesi durumunda, kurulu\u015flar de\u011fi\u015fikli\u011fin yap\u0131ld\u0131\u011f\u0131\u00a0tarihi takip eden ay\u0131n sonuna kadar yeni s\u0131n\u0131fland\u0131rmaya intibak etmekle y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n

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            \u00dccretlerin de\u011fi\u015ftirilmesi<\/strong><\/p>\n

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            MADDE 7\u00a0\u2013<\/strong>\u00a0(1) Bir takvim y\u0131l\u0131\u00a0i\u00e7inde\u00a0\u00fccretlerde, T\u00fcrkiye\u00a0\u0130statistik Kurumunca bir\u00a0\u00f6nceki y\u0131lsonu itibariyle a\u00e7\u0131klanan y\u0131ll\u0131k t\u00fcketici fiyatlar\u0131\u00a0endeksi art\u0131\u015f\u00a0oran\u0131n\u0131n 1,2 kat\u0131\u00a0ve\u00a0\u00fczerinde art\u0131\u015f\u00a0yap\u0131labilmesi i\u00e7in finansal t\u00fcketiciden onay al\u0131nmas\u0131, bunun alt\u0131nda art\u0131\u015f\u00a0\u00f6ng\u00f6ren de\u011fi\u015fikliklerin ise finansal t\u00fcketiciye en az otuz g\u00fcn\u00a0\u00f6nce yaz\u0131l\u0131\u00a0olarak veya kal\u0131c\u0131\u00a0veri saklay\u0131c\u0131s\u0131\u00a0yoluyla veya kayd\u0131\u00a0tutulan telefon vas\u0131tas\u0131yla bildirilmesi zorunludur. Bu bildirim\u00a0\u00fczerine finansal t\u00fcketicinin kendisine bildirim yap\u0131ld\u0131\u011f\u0131\u00a0tarihten itibaren onbe\u015f\u00a0g\u00fcn sonras\u0131na kadar\u00a0\u00fcr\u00fcn\u00fcn veya hizmetin kullan\u0131m\u0131ndan vazge\u00e7me hakk\u0131\u00a0vard\u0131r. Bu hakk\u0131n kullan\u0131lmas\u0131\u00a0h\u00e2linde uygulanacak\u00a0\u00fccret art\u0131\u015f\u0131n\u0131n y\u00fcr\u00fcrl\u00fc\u011fe girdi\u011fi tarihten itibaren ilave\u00a0\u00fccret al\u0131namaz. Kurulu\u015flar, vazge\u00e7me hakk\u0131n\u0131\u00a0kullanan finansal t\u00fcketiciye uyu\u015fmazl\u0131k konusu\u00fcr\u00fcn veya hizmeti vermeyi durdurabilir. Finansal t\u00fcketicinin\u00a0\u00fcr\u00fcn\u00fc\u00a0kullanmaya veya hizmeti almaya devam etmesi h\u00e2linde, de\u011fi\u015fikli\u011fin kabul edildi\u011fi varsay\u0131l\u0131r.<\/p>\n

             <\/p>\n

            (2) Kurulu\u015flar taraf\u0131ndan s\u00fcreklilik arz etmeyen para transferleri, fatura tahsil\u00e2t\u0131\u00a0gibi anl\u0131k i\u015flem ve hizmetlerden\u00a0\u00fccret tahsil edilmeden\u00a0\u00f6nce, i\u015flemin ger\u00e7ekle\u015ftirildi\u011fi alan\u0131n yap\u0131s\u0131na uygun bir\u00a0\u015fekilde finansal t\u00fcketicinin onay\u0131n\u0131n al\u0131nmas\u0131\u00a0h\u00e2linde yukar\u0131da belirtilen bildirim ve onay alma y\u00fck\u00fcml\u00fcl\u00fckleri uygulanmaz.<\/p>\n

             <\/p>\n

            \u00dccretlerin iadesi<\/strong><\/p>\n

             <\/p>\n

            MADDE 8\u00a0\u2013<\/strong>\u00a0(1) Tahsil edilen\u00a0\u00fccretlerin, kurulu\u015flar\u0131n karar birimleri veya adli, idari ve yetkili di\u011fer makamlar\u0131n kararlar\u0131\u00a0neticesinde finansal t\u00fcketiciye iadesinin gerekmesi h\u00e2linde, iadesi gereken tutar ve tahsil y\u00f6ntemi hakk\u0131nda kal\u0131c\u0131\u00a0veri saklay\u0131c\u0131s\u0131\u00a0yoluyla veya kayd\u0131\u00a0tutulan telefon ile finansal t\u00fcketiciye bilgilendirme yap\u0131l\u0131r. Kurulu\u015flar iadesine karar verilen tutar\u0131n finansal t\u00fcketicinin bildirece\u011fi hesaba\u00a0\u00fccretsiz\u00a0\u015fekilde g\u00f6nderilmesine veya finansal t\u00fcketicinin talebine istinaden nakden\u00a0\u00f6denmesine imk\u00e2n sa\u011flayacak sistemi kurmakla y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n

             <\/p>\n

            Bilgilendirme<\/strong><\/p>\n

             <\/p>\n

            MADDE 9\u00a0\u2013<\/strong>\u00a0(1) Finansal t\u00fcketicilerden al\u0131nacak faiz, k\u00e2r pay\u0131,\u00a0\u00fccret ve di\u011fer kesintilere ili\u015fkin g\u00fcncel bilgiler a\u00e7\u0131k, anla\u015f\u0131l\u0131r ve kolay eri\u015filebilir bir\u00a0\u015fekilde kurulu\u015flar\u0131n internet sitelerinde kar\u015f\u0131la\u015ft\u0131rmaya uygun bir bi\u00e7imde yer al\u0131r. Bu bilgilerde de\u011fi\u015fiklik olmas\u0131\u00a0h\u00e2linde internet sitesi e\u015fzamanl\u0131\u00a0olarak g\u00fcncellenir. Kurulu\u015flar, kredi\u00a0\u00fcr\u00fcnlerinin kullan\u0131lmas\u0131\u00a0h\u00e2linde ortaya\u00a0\u00e7\u0131kacak faiz, k\u00e2r pay\u0131\u00a0oran\u0131\u00a0ve\u00a0\u00fccret bilgilerini detayl\u0131\u00a0bir\u00a0\u015fekilde g\u00f6steren hesaplama ara\u00e7lar\u0131n\u0131\u00a0internet sitelerinde sunmakla y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n

             <\/p>\n

            (2) Kurulu\u015flar finansal t\u00fcketicinin onay\u0131n\u0131\u00a0almaks\u0131z\u0131n yapt\u0131\u011f\u0131\u00a0bildirimlerden\u00a0\u00fccret alamaz.\u00a0\u0130lgili mevzuat gere\u011fi belirli bir\u00a0\u015fekilde yap\u0131lmas\u0131\u00a0zorunlu olan bildirim ve i\u015flemlerden maliyetleri kadar\u00a0\u00fccret al\u0131nabilir. Bunlar\u0131n d\u0131\u015f\u0131nda kalan onaya ba\u011fl\u0131\u00a0bildirimler s\u00f6zle\u015fmede yer verilmesi kayd\u0131yla\u00a0\u00fccretlendirilebilir.<\/p>\n

             <\/p>\n

            (3) Ger\u00e7ekle\u015ftirilen i\u015flemlere ili\u015fkin olarak i\u015flem an\u0131nda verilecek i\u015flem fi\u015fi, s\u00f6zle\u015fme ve bilgilendirmeye ili\u015fkin di\u011fer evrak ayr\u0131ca\u00a0\u00fccretlendirilemez.<\/p>\n

             <\/p>\n

            (4) Finansal t\u00fcketicilerin s\u00f6zle\u015fme, i\u015flem fi\u015fi ve benzeri dok\u00fcmanlar\u0131n bir\u00a0\u00f6rne\u011fini talep etmeleri h\u00e2linde, kurulu\u015flarca ilgili dok\u00fcman\u0131n d\u00fczenlenme tarihinden sonraki ilk y\u0131l i\u00e7in herhangi bir\u00a0\u00fccret al\u0131namaz.\u00a0\u0130lgili dok\u00fcman\u0131n d\u00fczenlenme tarihinden itibaren bir y\u0131l\u0131n\u00a0\u00fczerinde s\u00fcrenin ge\u00e7mesi h\u00e2linde, finansal t\u00fcketiciye bilgi verilmek suretiyle, yap\u0131lan i\u015flemle orant\u0131l\u0131\u00a0olacak\u00a0\u015fekilde makul bir\u00a0\u00fccret al\u0131nabilir.<\/p>\n

             <\/p>\n

            (5) Bu Y\u00f6netmeli\u011fin y\u00fcr\u00fcrl\u00fck tarihinden sonra d\u00fczenlenecek yaz\u0131l\u0131\u00a0s\u00f6zle\u015fme ve bilgilendirme form i\u00e7eriklerinin bir\u00a0\u00f6rne\u011fine kurulu\u015flar\u0131n internet sitelerinde\u00a0\u00fccretsiz eri\u015fim imk\u00e2n\u0131\u00a0sa\u011flan\u0131r.<\/p>\n

             <\/p>\n

            (6) Kurum bilgilendirmelerde veya onay al\u0131nmas\u0131nda kullan\u0131lan y\u00f6ntemlerin etkin olmad\u0131\u011f\u0131\u00a0kanaatine var\u0131rsa, her bir\u00a0\u00fcr\u00fcn veya hizmet baz\u0131nda belirlenecek y\u00f6ntemlerin kullan\u0131lmas\u0131n\u0131\u00a0zorunlu tutabilir.<\/p>\n

             <\/p>\n

            (7) Ger\u00e7ekle\u015ftirilen i\u015flemlerde\u00a0\u00fccret bilgisine i\u015flem fi\u015fi\u00a0\u00fczerinde a\u00e7\u0131k\u00e7a yer verilmesi zorunludur.<\/p>\n

             <\/p>\n

            (8) Kurulu\u015flar bu Y\u00f6netmeli\u011fe konu\u00a0\u00fccretlerin azami ve asgari g\u00fcncel tutarlar\u0131\u00a0ile oranlar\u0131n\u0131\u00a0Kurumca belirlenecek kanallarda ve y\u00f6ntemle il\u00e2n etmekle y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n

            \u00dc\u00c7\u00dcNC\u00dc\u00a0B\u00d6L\u00dcM<\/strong><\/p>\n

            \u00dcr\u00fcn veya Hizmetlere\u00a0\u0130li\u015fkin\u00a0\u00d6zel H\u00fck\u00fcmler<\/strong><\/p>\n

            T\u00fcketici ve konut finansman\u0131\u00a0kredilerine ili\u015fkin\u00a0\u00fccretler<\/strong><\/p>\n

            MADDE 10\u00a0\u2013<\/strong>\u00a0(1) Finansal t\u00fcketicilere kulland\u0131r\u0131lacak krediler i\u00e7in kredi ihtiyac\u0131n\u0131n kar\u015f\u0131lanmas\u0131na olanak sa\u011flayan sistemin i\u015fletilmesi ve operasyonel s\u00fcre\u00e7lerin y\u00f6netilmesi amac\u0131yla al\u0131nan tahsis\u00a0\u00fccreti d\u0131\u015f\u0131nda, istihbarat \u00fccreti, kredi i\u015flem fi\u015fi\u00a0\u00fccreti,\u00a0\u00f6deme plan\u0131\u00a0de\u011fi\u015ftirme\u00a0\u00fccreti, de\u011fi\u015fken taksitli\u00a0\u00f6deme plan\u0131\u00a0\u00fccreti gibi her ne ad alt\u0131nda olursa olsun ba\u015fkaca bir\u00a0\u00fccret al\u0131namaz. Kredi tahsis\u00a0\u00fccreti, kulland\u0131r\u0131lan kredi anaparas\u0131n\u0131n binde be\u015fini ge\u00e7emez. Kurul, gerekli g\u00f6rd\u00fc\u011f\u00fc\u00a0hallerde bu s\u0131n\u0131r\u0131\u00a0art\u0131rmaya ve azaltmaya yetkilidir.<\/p>\n

             <\/p>\n

            (2) Ta\u015f\u0131n\u0131r ve ta\u015f\u0131nmazlara ili\u015fkin rehin, ipotek ve ekspertiz i\u015flemlerinde yaln\u0131zca\u00a0\u00fc\u00e7\u00fcnc\u00fc\u00a0ki\u015filere\u00a0\u00f6denen \u00fccretler al\u0131nabilir.<\/p>\n

             <\/p>\n

            (3) Reddedilen kredi taleplerinden bir kamu kurum ve kurulu\u015funa veya\u00a0\u00fc\u00e7\u00fcnc\u00fc\u00a0ki\u015filere\u00a0\u00f6denen\u00a0\u00fccretler hari\u00e7olmak\u00a0\u00fczere herhangi bir\u00a0\u00fccret al\u0131namaz.<\/p>\n

             <\/p>\n

            (4) Konut finansman\u0131\u00a0s\u00f6zle\u015fmelerinde faiz oran\u0131\u00a0veya k\u00e2r pay\u0131n\u0131n sabit olarak belirlenmesi h\u00e2linde, krediyi tahsis eden kurulu\u015f\u00a0nezdinde s\u00f6zle\u015fmede yer verilmek suretiyle, bir veya birden fazla taksit\u00a0\u00f6demesinin vadesinden \u00f6nce yap\u0131lmas\u0131\u00a0ile kredinin faiz oran\u0131\u00a0veya k\u00e2r pay\u0131nda finansal t\u00fcketici lehine mutab\u0131k kal\u0131narak de\u011fi\u015fiklik yap\u0131lmas\u0131 h\u00e2llerinde, Kanunun 37 nci maddesinde yer alan erken\u00a0\u00f6deme tazminat\u0131\u00a0haricinde hi\u00e7bir\u00a0\u00fccret al\u0131namaz. Tahsil edilebilecek erken\u00a0\u00f6deme tazminat\u0131\u00a0ise yap\u0131lacak faiz veya k\u00e2r pay\u0131\u00a0indirimi tutar\u0131n\u0131\u00a0a\u015famaz.<\/p>\n

             <\/p>\n

            (5) Finansal t\u00fcketicilerin ilgili kurulu\u015flardan bor\u00e7lar\u0131n\u0131n bulunmad\u0131\u011f\u0131na dair talep ettikleri bilgi yaz\u0131lar\u0131\u00a0i\u00e7in bir defaya mahsus olmak\u00a0\u00fczere\u00a0\u00fccret al\u0131namaz.<\/p>\n

             <\/p>\n

            (6) Kredili mevduat hesaplar\u0131ndan kulland\u0131r\u0131lan krediler ile kredi kartlar\u0131ndan yap\u0131lan taksitli nakit avans i\u015flemleri i\u00e7in\u00a0\u00fccret tahsil edilemez.<\/p>\n

             <\/p>\n

            (7) Belirli s\u00fcreli kredi s\u00f6zle\u015fmesine ili\u015fkin bir hesap a\u00e7\u0131lmas\u0131\u00a0ve bu hesaptan sadece kredi ile ilgili i\u015flemler yap\u0131lmas\u0131\u00a0durumunda, bu hesaba ili\u015fkin herhangi bir\u00a0\u00fccret al\u0131namaz. Bu hesap, finansal t\u00fcketicinin aksine yaz\u0131l\u0131\u00a0talebi olmamas\u0131\u00a0h\u00e2linde kredinin\u00a0\u00f6denmesi ile kapan\u0131r.<\/p>\n

             <\/p>\n

            (8) Finansal t\u00fcketicinin onay\u0131\u00a0olmaks\u0131z\u0131n, belirli s\u00fcreli kredi s\u00f6zle\u015fmesi ile ili\u015fkili bir kredili hesap s\u00f6zle\u015fmesi yap\u0131lamaz ve kredi tahsil\u00e2tlar\u0131\u00a0bu hesaptan ger\u00e7ekle\u015ftirilemez.<\/p>\n

             <\/p>\n

            Banka ve kredi kart\u0131\u00a0\u00fccretleri<\/strong><\/p>\n

             <\/p>\n

            MADDE 11\u00a0\u2013<\/strong>\u00a0(1) Kart\u00a0\u00e7\u0131karan kurulu\u015flar, y\u0131ll\u0131k\u00a0\u00fcyelik\u00a0\u00fccreti ve benzeri ad alt\u0131nda\u00a0\u00fccret tahsil etmedikleri bir kredi kart\u0131\u00a0t\u00fcr\u00fc\u00a0sunmak zorundad\u0131r. Finansal t\u00fcketiciler taraf\u0131ndan yap\u0131lan\u00a0\u00fccretsiz kredi kart\u0131\u00a0ba\u015fvurular\u0131n\u0131n kurulu\u015flarca reddedilmesi h\u00e2linde, bu ba\u015fvuruya istinaden y\u0131ll\u0131k\u00a0\u00fcyelik\u00a0\u00fccreti olan kredi kart\u0131\u00a0verilemez. Kart\u00a0\u00e7\u0131karan kurulu\u015flar y\u0131ll\u0131k\u00a0\u00fcyelik\u00a0\u00fccreti bulunmayan kredi kart\u0131\u00a0limiti belirlerken, y\u0131ll\u0131k\u00a0\u00fcyelik\u00a0\u00fccreti bulunan kredi kart\u0131de\u011ferlendirme kriterlerini aynen uygulamakla y\u00fck\u00fcml\u00fcd\u00fcr. Finansal t\u00fcketicilerin y\u0131ll\u0131k\u00a0\u00fcyelik\u00a0\u00fccreti bulunan kredi kart\u0131n\u0131\u00a0limiti ayn\u0131\u00a0kalmak kayd\u0131yla y\u0131ll\u0131k\u00a0\u00fcyelik\u00a0\u00fccreti bulunmayan kredi kart\u0131\u00a0ile de\u011fi\u015ftirme talepleri, kart\u00a0\u00e7\u0131karan kurulu\u015flar taraf\u0131ndan yerine getirilmek zorundad\u0131r.<\/p>\n

             <\/p>\n

            (2) Finansal t\u00fcketicinin kredi kart\u0131\u00a0iptal talepleri, ilgili kredi kart\u0131yla ili\u015fkilendirilen herhangi bir bor\u00e7\u00a0bakiyesi bulundu\u011fu gerek\u00e7e g\u00f6sterilerek reddedilemez. Bu\u00a0\u015fekilde iptal edilen kredi kartlar\u0131n\u0131n bor\u00e7\u00a0geri\u00a0\u00f6deme d\u00f6nemlerinde y\u0131ll\u0131k\u00a0\u00fcyelik\u00a0\u00fccreti tahsil edilemez.<\/p>\n

             <\/p>\n

            (3) Banka kartlar\u0131\u00a0ile sanal kredi kartlar\u0131ndan y\u0131ll\u0131k\u00a0\u00fcyelik\u00a0\u00fccreti al\u0131namaz.<\/p>\n

             <\/p>\n

            (4) Birinci ve ikinci f\u0131krada yer verilen kartlar d\u0131\u015f\u0131ndaki kredi kartlar\u0131\u00a0\u00f6zelliklerine g\u00f6re y\u0131ll\u0131k olarak belirlenen tutar kadar\u00a0\u00fccretlendirilebilir. As\u0131l karta ba\u011fl\u0131\u00a0olarak sunulan her bir ek kredi kart\u0131n\u0131n y\u0131ll\u0131k\u00a0\u00fcyelik\u00a0\u00fccreti, as\u0131l kart\u0131n y\u0131ll\u0131k\u00a0\u00fcyelik\u00a0\u00fccretinin y\u00fczde ellisini ge\u00e7emez.<\/p>\n

             <\/p>\n

            (5) Kredi kart\u0131\u00a0y\u0131ll\u0131k\u00a0\u00fcyelik\u00a0\u00fccreti, ancak finansal t\u00fcketiciyi bor\u00e7land\u0131r\u0131c\u0131\u00a0nitelikteki ilk kullan\u0131m\u0131\u00a0m\u00fcteakip ve y\u0131ll\u0131k olarak tahakkuk ettirilebilir.<\/p>\n

             <\/p>\n

            (6) Kesintisiz olarak, en az y\u00fczseksen g\u00fcn s\u00fcreyle hareket g\u00f6rmeyen kredi kartlar\u0131\u00a0hareketsiz kart kabul edilir ve bu kartlara hareketsiz kald\u0131\u011f\u0131\u00a0m\u00fcddet\u00e7e y\u0131ll\u0131k\u00a0\u00fcyelik\u00a0\u00fccreti yans\u0131t\u0131lamaz. Kurulu\u015flar, finansal t\u00fcketiciye yaz\u0131l\u0131olarak veya kal\u0131c\u0131\u00a0veri saklay\u0131c\u0131s\u0131\u00a0arac\u0131l\u0131\u011f\u0131yla veya kayd\u0131\u00a0tutulan telefon ile\u00a0\u00f6nceden bilgi vermek suretiyle bu nitelikteki kredi kartlar\u0131n\u0131\u00a0kapatma hakk\u0131na sahiptir.<\/p>\n

             <\/p>\n

            (7) Hareketsiz kartlarda tahsil edilemeyen kredi kart\u0131\u00a0y\u0131ll\u0131k\u00a0\u00fcyelik\u00a0\u00fccretleri, tahakkuk tarihinden itibaren en fazla son oniki ayl\u0131k d\u00f6nem i\u00e7in sonradan tahsil edilmek\u00a0\u00fczere bekletilebilir. Bu d\u00f6nem zarf\u0131nda y\u0131ll\u0131k\u00a0\u00fcyelik\u00fccretlerinin tahsili i\u00e7in icra takibi yap\u0131lamaz. Bu\u00a0\u00fccretler i\u00e7in faiz veya k\u00e2r pay\u0131\u00a0i\u015fletilemez ve Kredi Kay\u0131t B\u00fcrosu ile T\u00fcrkiye Bankalar Birli\u011fi Risk Merkezi bildirimleri yap\u0131lmaz. An\u0131lan oniki ayl\u0131k d\u00f6nem sonunda kredi kart\u0131\u00a0y\u0131ll\u0131k\u00fcyelik\u00a0\u00fccretlerinin tahsil edilememesi h\u00e2linde ise bu\u00a0\u00fccretler iptal edilir. Finansal t\u00fcketici kredi kart\u0131\u00a0y\u0131ll\u0131k\u00a0\u00fccretinin tahsili amac\u0131yla kredilendirilemez.<\/p>\n

             <\/p>\n

            (8) Hesap\u00a0\u00f6zeti g\u00f6nderimi, sanal kart olu\u015fturma ve kullan\u0131m\u0131\u00a0ile bir takvim y\u0131l\u0131\u00a0i\u00e7erisinde kay\u0131p,\u00a0\u00e7al\u0131nt\u0131\u00a0ve benzeri nedenler dolay\u0131s\u0131yla ger\u00e7ekle\u015ftirilen iki adete kadar kart yenileme kar\u015f\u0131l\u0131\u011f\u0131nda\u00a0\u00fccret al\u0131namaz.<\/p>\n

             <\/p>\n

            Para transfer i\u015flemleri<\/strong><\/p>\n

             <\/p>\n

            MADDE 12\u00a0\u2013<\/strong>\u00a0(1) Finansal t\u00fcketicinin hesab\u0131n\u0131n bulundu\u011fu kurulu\u015fun i\u015flem alanlar\u0131ndan herhangi birini kullanmak suretiyle kendi hesab\u0131na para yat\u0131rmas\u0131\u00a0ile hesab\u0131n bulundu\u011fu\u00a0\u015fubeden finansal t\u00fcketici ad\u0131na\u00a0\u00fc\u00e7\u00fcnc\u00fcki\u015filerin para yat\u0131rmas\u0131\u00a0i\u015flemlerinden\u00a0\u00fccret al\u0131namaz.<\/p>\n

             <\/p>\n

            (2) Gelen veya giden elektronik fon transfer sistemi i\u015flemlerinde, finansal t\u00fcketicinin hatas\u0131\u00a0nedeniyle para iadesi gereken durumlarda, T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131na\u00a0\u00f6denen masraflar d\u0131\u015f\u0131nda finansal t\u00fcketiciden herhangi bir\u00a0\u00fccret al\u0131namaz. Havalenin iadesi, reddi, devri ya da havale i\u015flemine dair bilgi de\u011fi\u015fikli\u011fi i\u015flemlerinden bir kamu kurum ve kurulu\u015funa veya\u00a0\u00fc\u00e7\u00fcnc\u00fc\u00a0ki\u015filere\u00a0\u00f6denen\u00a0\u00fccretler d\u0131\u015f\u0131nda\u00a0\u00fccret al\u0131namaz.<\/p>\n

             <\/p>\n

            (3) D\u00fczenli veya rutin i\u015flem saatleri d\u0131\u015f\u0131nda yap\u0131lan para transferleri, banka ve kredi kart\u0131\u00a0veya\u00a0\u00f6n\u00a0\u00f6demeli kartlardan yap\u0131lan para transfer i\u015flemleri ile\u00a0\u00f6zel nitelikli i\u015flemlerin\u00a0\u00fccretleri, finansal t\u00fcketici ile banka aras\u0131nda d\u00fczenlenen s\u00f6zle\u015fme ile belirlenir.<\/p>\n

             <\/p>\n

            (4) Kurulu\u015flarda herhangi bir hesab\u0131\u00a0bulunmayan finansal t\u00fcketicilerin ger\u00e7ekle\u015ftirdi\u011fi para transfer i\u015flemlerinde, bu i\u015flemler ger\u00e7ekle\u015fmeden\u00a0\u00f6nce finansal t\u00fcketiciye ilgili\u00a0\u00fccrete dair bilgi verilir.\u00a0\u0130\u015flem tutar\u0131\u00a0ve\u00a0\u00fccret bilgisi i\u015flem fi\u015fi\u00a0\u00fczerinde a\u00e7\u0131k\u00e7a g\u00f6sterilir.<\/p>\n

             <\/p>\n

            Mevduat ve kat\u0131l\u0131m fonu i\u015flemleri<\/strong><\/p>\n

             <\/p>\n

            MADDE 13\u00a0\u2013<\/strong>\u00a0(1) Hesap i\u015fletim\u00a0\u00fccreti, finansal t\u00fcketicinin hesap say\u0131s\u0131na ba\u011fl\u0131\u00a0olmaks\u0131z\u0131n m\u00fc\u015fteri baz\u0131nda ilgili kurulu\u015fun belirledi\u011fi d\u00f6nemlerde tahakkuk ve tahsil edilebilir. Hesab\u0131n y\u0131l i\u00e7erisinde kapat\u0131lmas\u0131\u00a0h\u00e2linde, hesab\u0131n a\u00e7\u0131k oldu\u011fu d\u00f6neme tekab\u00fcl eden\u00a0\u00fccret al\u0131nabilir. Hesap a\u00e7ma ve kapama i\u015flemleri ile hesap c\u00fczdan\u0131yazd\u0131rma i\u015flemlerinden herhangi bir\u00a0\u00fccret al\u0131namaz.<\/p>\n

             <\/p>\n

            (2) Kesintisiz olarak, en az y\u00fczseksen g\u00fcn s\u00fcreyle hi\u00e7bir hesab\u0131\u00a0hareket g\u00f6rmeyen finansal t\u00fcketicilerden bu s\u00fcre zarf\u0131nda hesap i\u015fletim\u00a0\u00fccreti al\u0131namaz. Tahsil edilemeyen hesap i\u015fletim\u00a0\u00fccreti, tahakkuk tarihinden itibaren en fazla son oniki ayl\u0131k d\u00f6nem i\u00e7in sonradan tahsil edilmek\u00a0\u00fczere bekletilebilir. Bu d\u00f6nem zarf\u0131nda hesap i\u015fletim \u00fccretlerinin tahsili i\u00e7in icra takibi yap\u0131lamaz, an\u0131lan oniki ayl\u0131k d\u00f6nem sonunda hesap i\u015fletim\u00a0\u00fccretlerinin tahsil edilememesi h\u00e2linde ise bu\u00a0\u00fccretler iptal edilir. Finansal t\u00fcketici, hesap i\u015fletim\u00a0\u00fccretinin tahsili amac\u0131yla kredilendirilemez.<\/p>\n

             <\/p>\n

            ATM kullan\u0131m\u0131\u00a0ve kiral\u0131k kasa hizmeti<\/strong><\/p>\n

             <\/p>\n

            MADDE 14\u00a0\u2013<\/strong>\u00a0(1) Finansal t\u00fcketicinin hesab\u0131n\u0131n bulundu\u011fu kurulu\u015fa ait ATM\u2019lerden kendi hesab\u0131\u00a0i\u00e7in para yat\u0131rma, bakiye sorgulama ve ilgili kurulu\u015f\u00a0taraf\u0131ndan belirlenen limit d\u00e2hilinde yap\u0131lan para\u00a0\u00e7ekme i\u015flemlerinden\u00fc cret al\u0131namaz.<\/p>\n

             <\/p>\n

            (2) Ba\u015fka kurulu\u015f\u00a0ATM\u2019si vas\u0131tas\u0131\u00a0ile ger\u00e7ekle\u015ftirilen i\u015flemlerden al\u0131nabilecek\u00a0\u00fccret, di\u011fer kurulu\u015fa i\u015flem kar\u015f\u0131l\u0131\u011f\u0131\u00a0\u00f6denen tutar dikkate al\u0131narak finansal t\u00fcketici ile ilgili kurulu\u015f\u00a0aras\u0131nda d\u00fczenlenen s\u00f6zle\u015fme\u00a0\u00e7er\u00e7evesinde belirlenir veya i\u015flem an\u0131nda finansal t\u00fcketicinin onay\u0131\u00a0al\u0131narak tahsil edilebilir.<\/p>\n

             <\/p>\n

            (3) Kiral\u0131k kasa ziyaretine ili\u015fkin herhangi bir\u00a0\u00fccret al\u0131namaz. Kiral\u0131k kasa hizmetinin sona ermesi h\u00e2linde kiral\u0131k kasaya ili\u015fkin finansal t\u00fcketici taraf\u0131ndan ger\u00e7ekle\u015ftirilen bir hasar,\u00a0\u00f6denmeyen kira bedelleri ve kiral\u0131k kasa s\u00f6zle\u015fmesinden do\u011fan di\u011fer bor\u00e7lar dolay\u0131s\u0131yla depozito\u00a0\u00fccretinden d\u00fc\u015f\u00fclerek kalan tutar derhal iade edilir.<\/p>\n

             <\/p>\n

            Kampanyalar ve\u00a0\u00f6zel hizmetler<\/strong><\/p>\n

             <\/p>\n

            MADDE 15\u00a0\u2013<\/strong>\u00a0(1) Kurulu\u015flar\u0131n birden fazla\u00a0\u00fcr\u00fcn veya hizmeti bir arada sunmalar\u0131na imk\u00e2n veren\u00a0\u00fcr\u00fcn veya hizmet paketlerinde\u00a0\u00fcr\u00fcn veya hizmetlerin ayr\u0131\u00a0ayr\u0131\u00a0sunulmas\u0131nda elde edilebilecek\u00a0\u00fccret toplam\u0131n\u0131\u00a0a\u015fmayacak\u00a0\u015fekilde\u00fccret tahsil edilebilir. Ayr\u0131ca, kurulu\u015flar\u00a0\u00e7e\u015fitli\u00a0\u00fcr\u00fcn veya hizmetlerini finansal t\u00fcketici yarar\u0131na\u00a0\u00f6zellikler bar\u0131nd\u0131racak\u015fekilde kampanya d\u00fczenleyebilirler. Bu kampanyalar kapsam\u0131nda finansal t\u00fcketicinin talebine sunulan\u00a0\u00fcr\u00fcn veya hizmetlerden\u00a0\u00fccret tahsil edilebilir. Bunlar\u0131n d\u0131\u015f\u0131nda kurulu\u015flar finansal t\u00fcketicinin talebi ve bilgilendirilmesi suretiyle sunduklar\u0131\u00a0\u00f6zellikli\u00a0\u00fcr\u00fcn veya hizmetlerden de finansal t\u00fcketici ile mutab\u0131k kalarak\u00a0\u00fccret tahsil edebilirler.<\/p>\n

             <\/p>\n

            (2) Kurulu\u015flar\u0131n finansal t\u00fcketicinin harcama, talimat gibi taahh\u00fctler kar\u015f\u0131l\u0131\u011f\u0131\u00a0belirli bir\u00a0\u00fcr\u00fcn veya hizmetten faydalanmas\u0131n\u0131\u00a0sa\u011flayan uygulamalar\u0131nda, ilgili taahh\u00fcd\u00fcn yerine getirilememesi h\u00e2linde pe\u015fin olarak verilen puan veya faydalan\u0131lan\u00a0\u00fcr\u00fcn veya hizmet bedelinin taahh\u00fctle kar\u015f\u0131lanamayan k\u0131sm\u0131\u00a0d\u0131\u015f\u0131nda herhangi bir ceza bedeli tahsil edilemez.<\/p>\n

            D\u00d6RD\u00dcNC\u00dc\u00a0B\u00d6L\u00dcM<\/strong><\/p>\n

            Son H\u00fck\u00fcmler<\/strong><\/p>\n

            \u0130ntibak<\/strong><\/p>\n

            MADDE 16\u00a0\u2013<\/strong>\u00a0(1) Bu Y\u00f6netmelik h\u00fck\u00fcmleri y\u00fcr\u00fcrl\u00fck tarihinden sonra kurulacak s\u00f6zle\u015fmelere uygulan\u0131r.<\/p>\n

            (2) Bu Y\u00f6netmelik h\u00fck\u00fcmleri, Y\u00f6netmeli\u011fin y\u00fcr\u00fcrl\u00fck tarihinden\u00a0\u00f6nce kurulmu\u015f\u00a0s\u00f6zle\u015fmelere Y\u00f6netmeli\u011fin y\u00fcr\u00fcrl\u00fck tarihinden sonra ger\u00e7ekle\u015ftirilecek i\u015flemler bak\u0131m\u0131ndan uygulan\u0131r. Bu nitelikteki s\u00f6zle\u015fmelerin Y\u00f6netmeli\u011fin y\u00fcr\u00fcrl\u00fck tarihinden\u00a0\u00f6nce ger\u00e7ekle\u015ftirilmi\u015f\u00a0i\u015flemleri hakk\u0131nda bu Y\u00f6netmelik h\u00fck\u00fcmleri uygulanmaz.<\/p>\n

            Y\u00fcr\u00fcrl\u00fck<\/strong><\/p>\n

            MADDE 17\u00a0\u2013<\/strong>\u00a0(1) Bu Y\u00f6netmelik yay\u0131m\u0131\u00a0tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girer.<\/p>\n

            Y\u00fcr\u00fctme<\/strong><\/p>\n

            MADDE 18\u00a0\u2013<\/strong>\u00a0(1) Bu Y\u00f6netmelik h\u00fck\u00fcmlerini Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu Ba\u015fkan\u0131\u00a0y\u00fcr\u00fct\u00fcr.<\/p>\n

            \u00a0<\/strong><\/p>\n

            Ek-1<\/strong><\/p>\n

            \u00dcr\u00fcn veya Hizmet S\u0131n\u0131fland\u0131rmalar\u0131<\/strong><\/p>\n

              \n
            1. Bireysel Krediler<\/strong><\/li>\n<\/ol>\n

              1.1. Tahsis \u00dccreti<\/p>\n

              1.2. Ekspertiz \u00dccreti<\/p>\n

              1.3. Ta\u015f\u0131n\u0131r ve Ta\u015f\u0131nmaz Rehin Tesis \u00dccreti<\/p>\n

                \n
              1. Mevduat\/Kat\u0131l\u0131m Fonu<\/strong><\/li>\n<\/ol>\n

                2.1. Hesap \u0130\u015fletim \u00dccreti<\/p>\n

                2.2. Para \u00c7ekme \u00dccreti<\/p>\n

                  \n
                1. Para Transferleri<\/strong><\/li>\n<\/ol>\n

                  3.1. Elektronik Fon Transferi \u00dccreti<\/p>\n

                  3.2. Havale \u00dccreti<\/p>\n

                  3.3. Swift \u00dccreti<\/p>\n

                    \n
                  1. Kredi Kartlar\u0131<\/strong><\/li>\n<\/ol>\n

                    4.1. Y\u0131ll\u0131k \u00dcyelik \u00dccreti<\/p>\n

                    4.2. Ek Kart Y\u0131ll\u0131k \u00dcyelik \u00dccreti<\/p>\n

                    4.3. Kart Yenileme \u00dccreti<\/p>\n

                    4.4. Nakit Avans \u00c7ekim \u00dccreti<\/p>\n

                      \n
                    1. Di\u011fer<\/strong><\/li>\n<\/ol>\n

                      5.1. Kiral\u0131k Kasa \u00dccreti<\/p>\n

                      5.2. Kampanyal\u0131 \u00dcr\u00fcn veya Hizmetler \u00dccreti<\/p>\n

                      5.3. Fatura \u00d6deme \u00dccreti<\/p>\n

                      5.4. Ar\u015fiv – Ara\u015ft\u0131rma \u00dccreti<\/p>\n

                      5.5. Onaya Ba\u011fl\u0131 Bildirim \u00dccreti<\/p>\n

                      5.6. Ba\u015fka Kurulu\u015f ATM’sinden Yap\u0131lan \u0130\u015flem \u00dccreti<\/p>\n

                      5.7. Kamu Kurum ve Kurulu\u015flar\u0131na Yap\u0131lan \u00d6demeler<\/p>\n

                      5.8. \u00dc\u00e7\u00fcnc\u00fc Ki\u015filere Yap\u0131lan \u00d6demeler<\/p>\n","protected":false},"excerpt":{"rendered":"

                      Bu Y\u00f6netmeli\u011fin amac\u0131, kurulu\u015flar taraf\u0131ndan finansal t\u00fcketicilere sunulan\u00a0\u00fcr\u00fcn veya hizmetlere ili\u015fkin olarak faiz veya k\u00e2r pay\u0131\u00a0d\u0131\u015f\u0131nda al\u0131nacak her t\u00fcrl\u00fc\u00a0\u00fccret,  <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-7437","post","type-post","status-publish","format-standard","hentry","category-mevzuat-haberleri"],"_links":{"self":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/7437","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/comments?post=7437"}],"version-history":[{"count":1,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/7437\/revisions"}],"predecessor-version":[{"id":7438,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/7437\/revisions\/7438"}],"wp:attachment":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/media?parent=7437"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/categories?post=7437"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/tags?post=7437"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}