{"id":7528,"date":"2013-10-18T02:24:56","date_gmt":"2013-10-17T23:24:56","guid":{"rendered":"http:\/\/www.bghaber.org\/bghaber\/?p=7528"},"modified":"2019-07-11T23:46:46","modified_gmt":"2019-07-11T21:46:46","slug":"hizli-kredilerin-yuksek-faizlerine-karsi-onlemler","status":"publish","type":"post","link":"https:\/\/www.bghaber.org\/bghaber\/hizli-kredilerin-yuksek-faizlerine-karsi-onlemler\/","title":{"rendered":"H\u0131zl\u0131 kredilerin y\u00fcksek faizlerine kar\u015f\u0131 \u00f6nlemler"},"content":{"rendered":"<div>Medyada s\u0131k\u00e7a yay\u0131mlanan reklamlar nas\u0131l\u00a0&#8220;bir el uzatma ile&#8221; kredi sahibi olabilece\u011fimizi anlat\u0131yorlar, ancak ger\u00e7ekte bu el insanlar\u0131n birikimlerine uzan\u0131yor.<em><!--more--><\/em><strong><a href=\"https:\/\/i0.wp.com\/www.bghaber.org\/bghaber\/wp-content\/uploads\/2013\/08\/bulgar-leva.jpg\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignleft size-medium wp-image-5163\" alt=\"bulgar-leva\" src=\"https:\/\/i0.wp.com\/www.bghaber.org\/bghaber\/wp-content\/uploads\/2013\/08\/bulgar-leva-300x168.jpg?resize=300%2C168\" width=\"300\" height=\"168\" \/><\/a><\/strong>Ay\u0131n sonuna kadar Bulgaristan\u2019da h\u0131zl\u0131 krediler i\u00e7in \u015firketler olarak bilinen banka\u00a0harici mali kurumlar i\u00e7in yeni d\u00fczenlemelerin y\u00fcr\u00fcrl\u00fc\u011fe getirilmesi bekleniyor. S\u00f6z konusu d\u00fczenlemeler konusunda Bulgaristan Merkez Bankas\u0131 ve Bulgaristan\u2019daki Bankalar Birli\u011fi ile uyum sa\u011flanmal\u0131d\u0131r. Son alt\u0131 y\u0131l i\u00e7erisinde banka\u00a0harici kredi veren kurumlar\u0131n say\u0131s\u0131 \u00fc\u00e7 kat artm\u0131\u015ft\u0131r.<\/div>\n<p>Verilen kredilerin \u00e7o\u011fu, 400 leva, yani 200 avronun alt\u0131nda olan bir para miktar\u0131 i\u00e7indir. B\u00f6ylece bu \u015firketler, T\u00fcketici Kredisi Yasas\u0131\u2019n\u0131n kontrol\u00fc alt\u0131nda bulunmuyor. \u015eimdiye kadar bu kurumlardan sadece kay\u0131tl\u0131 olmas\u0131 isteniyordu. Milletvekillerinin \u00e7o\u011fu, bu kurumlar\u0131n lisansl\u0131 olmas\u0131nda da \u0131srar ediyor.<strong> <\/strong><\/p>\n<p>H\u0131zl\u0131 krediler \u00f6neren \u015firketlere neden o kadar b\u00fcy\u00fck bir ilgi g\u00f6steriliyor? \u00c7\u00fcnk\u00fc son aylarda Bulgaristan\u2019da bunun gibi banka olmayan kurumlar\u0131n hizmetlerine ba\u015fvuran bir\u00e7ok vatanda\u015f\u0131n asl\u0131nda doland\u0131r\u0131ld\u0131\u011f\u0131 ortaya \u00e7\u0131kt\u0131. \u00d6te yandan bu \u015firketlerin say\u0131s\u0131 \u00e7ok artt\u0131. Bulgaristan Merkez Bankas\u0131\u2019n\u0131n verilerine g\u00f6re h\u0131zl\u0131 krediler \u00f6neren \u015firketlerin say\u0131s\u0131 yakla\u015f\u0131k 270\u2019tir, onlar\u0131n verdi\u011fi bor\u00e7lar\u0131n tutar\u0131 ise 2 milyar levad\u0131r. Bunun yan\u0131 s\u0131ra s\u00f6z konusu \u015firketlerin b\u00fct\u00fcn medyalarda reklam\u0131 var. S\u00f6z konusu reklamlarda sevimli k\u0131zlar, insanlara nas\u0131l 10 dakika i\u00e7erisinde faizsiz olarak bin leva de\u011ferinde kredi alabildi\u011fini a\u00e7\u0131kl\u0131yor. Bunun gibi celbedici reklamlar\u0131n kurban\u0131 olan bir\u00e7ok Bulgaristanl\u0131lar\u0131n hikayesi duyuruldu. Faizler bazen y\u00fczde 300\u2019e kadar da var\u0131yor. Son zamanlarda bin leva, yani 500 avro de\u011ferinde h\u0131zl\u0131 kredi \u00e7eken bir bayan\u0131n olay\u0131 ortaya \u00e7\u0131kt\u0131. Kredinin geri \u00f6denmesi s\u00fcresi bir y\u0131lm\u0131\u015f. Bayan, s\u00f6zle\u015fmeyi g\u00f6rmeden paray\u0131 alm\u0131\u015f ve borcunu geri \u00f6demeye ba\u015flam\u0131\u015f. S\u00fcrenin sonunda toplam 3 bin 600 leva, yani bin 800 avro geri \u00f6demesi gerekti\u011fi ortaya \u00e7\u0131km\u0131\u015f. S\u00f6zle\u015fme ise bir y\u0131l i\u00e7in de\u011fil, \u00fc\u00e7 y\u0131l i\u00e7inmi\u015f. En b\u00fcy\u00fck doland\u0131r\u0131c\u0131l\u0131k olaylar\u0131, m\u00fc\u015fterilere verilmeyen s\u00f6zle\u015fmelerle ya\u015fan\u0131yor. B\u00f6ylece krediyi \u00e7ekenler, s\u00f6zle\u015fmenin \u015fartlar\u0131n\u0131 \u00f6nceden bilmiyor, belgeye sadece ald\u0131\u011f\u0131 para miktar\u0131n\u0131, kredinin geri \u00f6denece\u011fi s\u00fcreyi ve banka hesab\u0131n\u0131 yaz\u0131yor.<\/p>\n<p>E\u011fer bir insan, ald\u0131\u011f\u0131 krediyi d\u00fczenli olarak \u00f6demezse, h\u0131zl\u0131 krediler \u015firketleri s\u00f6z konusu ki\u015fiyi bankalar\u0131n \u201ckara\u201d listesine dahil ediyor. Bu ise, bu ki\u015finin gelecekte bankalardan da kredi alamayaca\u011f\u0131 anlam\u0131na geliyor. B\u00f6ylece m\u00fc\u015fteriler, gelecekte de yeniden h\u0131zl\u0131 kredi \u015firketlerine ba\u015fvurmak zorunda kal\u0131yor. Milletvekilleri, bu \u015firketlerin bankalar yasas\u0131na g\u00f6re \u00e7al\u0131\u015fmad\u0131\u011f\u0131n\u0131, ama ayn\u0131 zamanda bor\u00e7lular\u0131 \u201ckara\u201d listelerine dahil etme haklar\u0131 oldu\u011funu izah ediyor.<\/p>\n<p>Banka\u00a0harici kredi kurumlar\u0131, Bulgaristan Merkez Bankas\u0131\u2019nda kay\u0131tl\u0131 olmal\u0131 ve sermaye ve profesyonel tecr\u00fcbe gibi baz\u0131 kriterlere uymal\u0131d\u0131r. Ancak Bulgaristan Merkez Bankas\u0131, onlar\u0131n \u00e7al\u0131\u015fmalar\u0131n\u0131 kontrol etmiyor. Oysa h\u0131zl\u0131 krediler veren \u015firketlerin, m\u00fc\u015fterilerinin b\u00fct\u00fcn bankalardaki kredi dosyalar\u0131na ula\u015f\u0131m\u0131 var. Bu onlara, m\u00fc\u015fterinin ba\u015fka mali kurumlara bor\u00e7lar\u0131 olup olmad\u0131\u011f\u0131 ve bor\u00e7lar\u0131n\u0131 d\u00fczenli olarak \u00f6deyip \u00f6demedi\u011fi konusunda ipucu veriyor. Bir veya ba\u015fka bir \u015fekilde doland\u0131r\u0131lan vatanda\u015flar\u0131n bir\u00e7ok \u015fikayetnamesi, h\u0131zl\u0131 kredilerin faizlerine tavan koyulmas\u0131 i\u00e7in parlamentoda bir tart\u0131\u015fmaya yol a\u00e7t\u0131. \u00d6nerilerden biri, mali kurumlar\u0131n faizlerinin y\u00fczde 20\u2019yi a\u015fmamas\u0131d\u0131r. Di\u011fer bir \u00f6neriye g\u00f6re h\u0131zl\u0131 kredi faizi tavan\u0131 y\u00fczde 60 olmald\u0131r. Bunun yap\u0131lmas\u0131 i\u00e7in bu an \u00e7ok uygundur, \u00e7\u00fcnk\u00fc \u015fu an bankalar yasas\u0131nda de\u011fi\u015fiklik haz\u0131rlan\u0131yor ve banka olmayan kurumlar i\u00e7in kontrol mekanizmalar\u0131 y\u00fcr\u00fcrl\u00fc\u011fe getirilebiliyor.<\/p>\n<p>Uzmanlara g\u00f6re h\u0131zl\u0131 kredi faizlerine tavan koyulmas\u0131, beklenen etkiyi yaratmayacak. Yani al\u0131nan bor\u00e7lar\u0131n maliyeti azalmayacakt\u0131r. \u00c7\u00fcnk\u00fc mali kurumlar, kazanc\u0131n\u0131 \u00fccretlerin artmas\u0131yla hesaplayacak. Bunun yan\u0131 s\u0131ra bunun sonucunda h\u0131zl\u0131 krediler veren \u015firketlerin bir\u00e7o\u011funun kay\u0131td\u0131\u015f\u0131 ekonomiye ge\u00e7ece\u011fi tehlikesi var.<\/p><div id=\"bghab-1827658114\" class=\"bghab-icerik-icine bghab-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6203283170189293\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block; text-align:center;\" data-ad-client=\"ca-pub-6203283170189293\" \ndata-ad-slot=\"7303146466\" \ndata-ad-layout=\"in-article\"\ndata-ad-format=\"fluid\" data-full-width-responsive=\"true\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>\n<p>&nbsp;<\/p>\n<p>T\u00fcrk\u00e7esi: Rayna \u0130vanova \/ Yaz\u0131: Tanya Harizanova &#8211; BNR<\/p>\n<div id=\"bghab-3393709546\" class=\"bghab-yazi-altinda bghab-entity-placement\"><div class=\"bghab-adlabel\">Reklamlar<\/div><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<!-- bghaber-yaz\u0131-sonu -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6203283170189293\"\r\n     data-ad-slot=\"4222328180\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><br style=\"clear: both; display: block; float: none;\"\/>","protected":false},"excerpt":{"rendered":"<p>Medyada s\u0131k\u00e7a yay\u0131mlanan reklamlar nas\u0131l\u00a0&#8220;bir el uzatma ile&#8221; kredi sahibi olabilece\u011fimizi anlat\u0131yorlar, ancak ger\u00e7ekte bu el insanlar\u0131n birikimlerine uzan\u0131yor.<\/p>\n","protected":false},"author":29,"featured_media":5163,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[30,482],"class_list":["post-7528","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bulgaristan","tag-kredi"],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.bghaber.org\/bghaber\/wp-content\/uploads\/2013\/08\/bulgar-leva.jpg?fit=610%2C343&ssl=1","jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"jetpack-related-posts":[],"jetpack_shortlink":"https:\/\/wp.me\/pc2PfJ-1Xq","_links":{"self":[{"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/posts\/7528","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/comments?post=7528"}],"version-history":[{"count":0,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/posts\/7528\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/media\/5163"}],"wp:attachment":[{"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/media?parent=7528"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/categories?post=7528"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/tags?post=7528"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}