{"id":49867,"date":"2026-01-22T11:50:26","date_gmt":"2026-01-22T08:50:26","guid":{"rendered":"https:\/\/mersinkadingazetesi.com\/?p=49867"},"modified":"2026-01-22T11:50:28","modified_gmt":"2026-01-22T08:50:28","slug":"chpli-gulcan-kistan-milyonlari-ilgilendiren-borc-krizine-iliskin-kanun-teklifi-kredi-karti-ve-bireysel-borclar-icin-kapsamli-yapilandirma","status":"publish","type":"post","link":"https:\/\/mersinkadingazetesi.com\/?p=49867","title":{"rendered":"CHP&#8217;L\u0130 G\u00dcLCAN KI\u015e&#8217;TAN M\u0130LYONLARI \u0130LG\u0130LEND\u0130REN BOR\u00c7 KR\u0130Z\u0130NE \u0130L\u0130\u015eK\u0130N KANUN TEKL\u0130F\u0130: KRED\u0130 KARTI VE B\u0130REYSEL BOR\u00c7LAR \u0130\u00c7\u0130N KAPSAMLI YAPILANDIRMA"},"content":{"rendered":"\n<p>CHP Mersin Milletvekili&nbsp;<strong>G\u00fclcan K\u0131\u015f<\/strong>, kredi kart\u0131 ve bireysel kredi bor\u00e7lar\u0131 nedeniyle \u00f6deme g\u00fcc\u00fcn\u00fc kaybeden milyonlarca yurtta\u015f\u0131 ilgilendiren&nbsp;<strong>kapsaml\u0131 bir kanun teklifini<\/strong>&nbsp;T\u00fcrkiye B\u00fcy\u00fck Millet Meclisi&#8217;ne sundu. Teklif,&nbsp;<strong>6 trilyon liray\u0131 a\u015fan bireysel bor\u00e7 stokunu<\/strong>&nbsp;ve&nbsp;<strong>milyonlarca ki\u015fiyi etkileyen icra bask\u0131s\u0131n\u0131<\/strong>&nbsp;hedef al\u0131yor.<\/p>\n\n\n\n<p><strong>Milyonlar bor\u00e7lu, bor\u00e7 trilyonlar\u0131 a\u015ft\u0131<\/strong><\/p>\n\n\n\n<p>Resm\u00ee verilere g\u00f6re T\u00fcrkiye&#8217;de vatanda\u015flar\u0131n bankalara ve finans kurulu\u015flar\u0131na olan&nbsp;<strong>kredi kart\u0131 ve bireysel kredi borcu 6 trilyon 77 milyar TL&#8217;ye<\/strong>&nbsp;ula\u015ft\u0131. Bunun yakla\u015f\u0131k&nbsp;<strong>2 trilyon 9 milyar TL&#8217;sini kredi kart\u0131 bor\u00e7lar\u0131<\/strong>,&nbsp;<strong>3 trilyon 89 milyar TL&#8217;sini ise bireysel krediler<\/strong>&nbsp;olu\u015fturuyor. Varl\u0131k y\u00f6netim \u015firketlerine devredilen bor\u00e7larla birlikte tablo daha da a\u011f\u0131rla\u015f\u0131yor.<\/p>\n\n\n\n<p>Bor\u00e7 krizinin yaln\u0131zca rakamlardan ibaret olmad\u0131\u011f\u0131na dikkat \u00e7ekilirken, bankalar ve finans kurulu\u015flar\u0131 taraf\u0131ndan&nbsp;<strong>icra takibine al\u0131nan ki\u015fi say\u0131s\u0131n\u0131n 4 milyonu a\u015ft\u0131\u011f\u0131<\/strong>, icra dairelerinde derdest bulunan&nbsp;<strong>dosya say\u0131s\u0131n\u0131n ise 24 milyona yakla\u015ft\u0131\u011f\u0131<\/strong>&nbsp;belirtiliyor.<\/p>\n\n\n\n<p><strong>Faiz ve icra y\u00fck\u00fc borcu katl\u0131yor<\/strong><\/p>\n\n\n\n<p>Mevcut sistemde bireysel kredi faizlerinin&nbsp;<strong>y\u00fczde 60&#8217;\u0131n \u00fczerine<\/strong>, kredi kart\u0131 gecikme faizlerinin ise \u00e7ok daha y\u00fcksek oranlara \u00e7\u0131kt\u0131\u011f\u0131na i\u015faret eden K\u0131\u015f, bor\u00e7lar\u0131n \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fcn art\u0131k&nbsp;<strong>anaparadan de\u011fil faiz, ceza, icra ve avukatl\u0131k masraflar\u0131ndan<\/strong>&nbsp;olu\u015ftu\u011funu vurgulad\u0131. Bu durumun bor\u00e7lar\u0131n \u00e7evrilebilirli\u011fini ortadan kald\u0131rd\u0131\u011f\u0131, yurtta\u015f\u0131&nbsp;<strong>s\u00fcrekli bir icra tehdidi alt\u0131nda ya\u015famaya zorlad\u0131\u011f\u0131<\/strong>&nbsp;ifade ediliyor.<\/p>\n\n\n\n<p><strong>Teklif ne getiriyor?<\/strong><\/p>\n\n\n\n<p>TBMM&#8217;ye sunulan kanun teklifine g\u00f6re;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kredi kart\u0131 ve bireysel kredi bor\u00e7lar\u0131\u00a0<strong>anapara esas al\u0131narak<\/strong>\u00a0yeniden yap\u0131land\u0131r\u0131lacak<\/li>\n\n\n\n<li><strong>Temerr\u00fct faizi, gecikme faizi, ceza faizi ile icra ve avukatl\u0131k masraflar\u0131 tamamen silinecek<\/strong><\/li>\n\n\n\n<li>Bor\u00e7lar\u00a0<strong>60 ila 72 ay vadeyle<\/strong>\u00a0taksitlendirilecek<\/li>\n\n\n\n<li>Yap\u0131land\u0131rmada uygulanacak faiz oran\u0131na\u00a0<strong>\u00fcst s\u0131n\u0131r<\/strong>\u00a0getirilecek<\/li>\n\n\n\n<li>Yap\u0131land\u0131rmaya ba\u015fvuran yurtta\u015flar hakk\u0131nda\u00a0<strong>icra ve haciz i\u015flemleri durdurulacak<\/strong>, maa\u015f hacizleri ve banka hesaplar\u0131ndaki blokeler kald\u0131r\u0131lacak<\/li>\n\n\n\n<li>\u00d6deme plan\u0131na uyan yurtta\u015flar\u0131n\u00a0<strong>kredi siciline ili\u015fkin olumsuz kay\u0131tlar\u0131<\/strong>\u00a0yap\u0131land\u0131rma sonunda silinecek<\/li>\n<\/ul>\n\n\n\n<p><strong>&#8220;Bu bir bor\u00e7 de\u011fil, ya\u015fam krizi&#8221;<\/strong><\/p>\n\n\n\n<p>Kanun teklifine ili\u015fkin de\u011ferlendirmede bulunan CHP&#8217;li K\u0131\u015f, bor\u00e7 sorununun geldi\u011fi noktaya \u015fu s\u00f6zlerle dikkat \u00e7ekti:<\/p>\n\n\n\n<p>&#8220;Bug\u00fcn kredi kart\u0131 borcu bir t\u00fcketim tercihi de\u011fil, mutfa\u011f\u0131n borcudur. Bireysel kredi ise refah\u0131n de\u011fil, hayatta kalma m\u00fccadelesinin sonucudur. 6 trilyon liray\u0131 a\u015fan bu tablo art\u0131k bireysel bir \u00f6deme sorunu de\u011fil, a\u00e7\u0131k bir&nbsp;<strong>ya\u015fam krizidir<\/strong>.&#8221;<\/p>\n\n\n\n<p><strong>&#8220;Borcu silmiyoruz, \u00f6denebilir hale getiriyoruz&#8221;<\/strong><\/p>\n\n\n\n<p>Teklifin bir &#8220;af&#8221; d\u00fczenlemesi olmad\u0131\u011f\u0131n\u0131 vurgulayan K\u0131\u015f, ama\u00e7lar\u0131n\u0131n yurtta\u015f\u0131 yeniden ekonomik hayata dahil etmek oldu\u011funu belirterek \u015funlar\u0131 s\u00f6yledi:<\/p>\n\n\n\n<p>&#8220;Biz borcu silmiyoruz; faizi, cezay\u0131 ve icra bask\u0131s\u0131n\u0131 siliyoruz. Yurtta\u015f\u0131 bor\u00e7tan ka\u00e7an de\u011fil, borcunu \u00f6deyebilen hale getiriyoruz. Bu teklif sosyal devlet ilkesinin ve Anayasa&#8217;n\u0131n a\u00e7\u0131k bir gere\u011fidir.&#8221;<\/p>\n\n\n\n<p>CHP&#8217;li K\u0131\u015f, milyonlarca yurtta\u015f\u0131 do\u011frudan ilgilendiren d\u00fczenleme i\u00e7in t\u00fcm siyasi partilere \u00e7a\u011fr\u0131da bulunarak, &#8220;Bu tabloya kay\u0131ts\u0131z kalmak faizi ve icra d\u00fczenini savunmakt\u0131r. Meclis, yurtta\u015f\u0131n yan\u0131nda durmal\u0131d\u0131r&#8221; dedi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>CHP Mersin Milletvekili&nbsp;G\u00fclcan K\u0131\u015f, kredi kart\u0131 ve bireysel kredi bor\u00e7lar\u0131 nedeniyle \u00f6deme g\u00fcc\u00fcn\u00fc kaybeden milyonlarca yurtta\u015f\u0131 ilgilendiren&nbsp;kapsaml\u0131 bir kanun teklifini&nbsp;T\u00fcrkiye B\u00fcy\u00fck Millet Meclisi&#8217;ne sundu. Teklif,&nbsp;6 trilyon liray\u0131 a\u015fan bireysel bor\u00e7 stokunu&nbsp;ve&nbsp;milyonlarca ki\u015fiyi etkileyen icra bask\u0131s\u0131n\u0131&nbsp;hedef al\u0131yor. Milyonlar bor\u00e7lu, bor\u00e7 trilyonlar\u0131 a\u015ft\u0131 Resm\u00ee verilere g\u00f6re T\u00fcrkiye&#8217;de vatanda\u015flar\u0131n bankalara ve finans kurulu\u015flar\u0131na olan&nbsp;kredi kart\u0131 ve bireysel kredi [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":49724,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,3],"tags":[],"class_list":["post-49867","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-manset"],"views":13,"_links":{"self":[{"href":"https:\/\/mersinkadingazetesi.com\/index.php?rest_route=\/wp\/v2\/posts\/49867"}],"collection":[{"href":"https:\/\/mersinkadingazetesi.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mersinkadingazetesi.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mersinkadingazetesi.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mersinkadingazetesi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=49867"}],"version-history":[{"count":1,"href":"https:\/\/mersinkadingazetesi.com\/index.php?rest_route=\/wp\/v2\/posts\/49867\/revisions"}],"predecessor-version":[{"id":49868,"href":"https:\/\/mersinkadingazetesi.com\/index.php?rest_route=\/wp\/v2\/posts\/49867\/revisions\/49868"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mersinkadingazetesi.com\/index.php?rest_route=\/wp\/v2\/media\/49724"}],"wp:attachment":[{"href":"https:\/\/mersinkadingazetesi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=49867"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mersinkadingazetesi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=49867"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mersinkadingazetesi.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=49867"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}