Avrupa Birli\u011fi (AB) mahkemesi, haks\u0131z \u015fartlar i\u00e7eren bir d\u00f6viz kredisinin feshedilmesi durumunda t\u00fcketicilerin bankadan yap\u0131lan \u00f6demelerden daha fazla miktarda tazminat talep edebilece\u011fine karar verdi.<\/p>\n
Merkezi L\u00fcksemburg\u2019da bulunan AB\u2019nin en y\u00fcksek hukuki merci konumundaki Avrupa Adalet Divan\u0131, Polonya\u2019da bir bankaya kredi s\u00f6zle\u015fme feshi sonu\u00e7lar\u0131 ve tazminat hesaplamas\u0131 hakk\u0131nda a\u00e7\u0131lan davay\u0131 karara ba\u011flad\u0131.<\/p>\n
Kararda, \u201cAB hukuku, bir ipotek kredisi s\u00f6zle\u015fmesinin haks\u0131z ko\u015fullar nedeniyle feshedilmesi durumunda, t\u00fcketicilerin bankadan \u00f6denen ayl\u0131k taksitlerinin geri \u00f6demesinin \u00f6tesinde tazminat talep etmesine engel de\u011fildir\u201d ifadesi kullan\u0131ld\u0131.<\/p>\n
Mahkeme, s\u00f6z konusu y\u00fcksek tazminat miktar\u0131n\u0131n bankan\u0131n t\u00fcketicilere benzer bi\u00e7imde haks\u0131z \u015fartlar i\u00e7eren s\u00f6zle\u015fme dayatmas\u0131n\u0131 engelleyece\u011fine dikkati \u00e7ekti.<\/p>\n
BANKALARA MAL\u0130 Y\u00dcK GET\u0130RMES\u0130 BEKLEN\u0130YOR<\/b><\/p>\n
Polonya\u2019da 2008 y\u0131l\u0131nda bir kar\u0131-koca, bir banka ile konut kredisi s\u00f6zle\u015fmesi yapm\u0131\u015ft\u0131.<\/p>\n
Kredinin ayl\u0131k \u00f6demeleri \u0130svi\u00e7re frang\u0131na endeksliydi. Bu taksitler s\u00f6z konusu bankan\u0131n kredi \u00f6deme g\u00fcn\u00fcndeki d\u00f6viz kurlar\u0131 tablosunda yer alan \u0130svi\u00e7re frang\u0131 sat\u0131\u015f kurunun Polonya zlotisine \u00e7evrilmesiyle belirleniyordu.<\/p>\n
D\u00f6viz kurunu belirleyen d\u00f6n\u00fc\u015ft\u00fcrme h\u00fck\u00fcmlerinin haks\u0131z oldu\u011funu ve s\u00f6z konusu unsurlar\u0131n s\u00f6zle\u015fmeyi ge\u00e7ersiz k\u0131ld\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnen \u00e7ift, banka aleyhine Polonya\u2019da hukuki s\u00fcre\u00e7 ba\u015flatm\u0131\u015ft\u0131.<\/p>\n
Polonya mahkemesi, Avrupa Adalet Divan\u0131\u2019ndan s\u00f6z konusu kredideki haks\u0131z \u015fartlara ili\u015fkin g\u00f6r\u00fc\u015f istemi\u015fti.<\/p>\n
Son y\u0131llarda Polonya\u2019da d\u00fc\u015f\u00fck faiz oranlar\u0131 nedeniyle ba\u015fta \u0130svi\u00e7re frang\u0131 olmak \u00fczere \u00e7e\u015fitli yabanc\u0131 para birimlerinden ipotek al\u0131m\u0131 yayg\u0131nla\u015fm\u0131\u015ft\u0131.<\/p>\n
Bu kredileri kullananlar \u0130svi\u00e7re frang\u0131n\u0131n zlotiye kar\u015f\u0131 y\u00fckselmesi ve faiz art\u0131\u015flar\u0131ndan olumsuz etkilenmi\u015fti.<\/p>\n
AB mahkemesinin son karar\u0131n\u0131n, haks\u0131z \u015fartlar i\u00e7eren d\u00f6viz kredileri kullanan Polonyal\u0131lar\u0131 ve kredileri veren Polonya bankalar\u0131n\u0131 do\u011frudan etkilemesi ve Polonya bankalar\u0131na \u00f6nemli bir mali y\u00fck getirmesi bekleniyor. (AA)<\/p>\n","protected":false},"excerpt":{"rendered":"
Avrupa Birli\u011fi (AB) mahkemesi, haks\u0131z \u015fartlar i\u00e7eren bir d\u00f6viz kredisinin feshedilmesi durumunda t\u00fcketicilerin bankadan geri \u00f6demelerin haricinde tazminat talep edebilece\u011fine karar verdi.<\/p>\n","protected":false},"author":1,"featured_media":99068,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[936,4243,972,2422,589],"class_list":["post-99067","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-haksiz","tag-kredi","tag-polonya","tag-yuk"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/99067","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=99067"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/99067\/revisions"}],"predecessor-version":[{"id":99069,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/99067\/revisions\/99069"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/99068"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=99067"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=99067"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=99067"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}