{"id":3196,"date":"2024-01-29T13:06:01","date_gmt":"2024-01-29T13:06:01","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&p=3196"},"modified":"2025-11-14T14:34:46","modified_gmt":"2025-11-14T14:34:46","slug":"kopru-kredi%cc%87-verenler-temerrut-fai%cc%87z-orani-yuksek-mahkeme-4-temerrut-fai%cc%87zi%cc%87ni%cc%87-uygulanamaz-bi%cc%87r-ceza-ucreti%cc%87-olarak-kabul-etti%cc%87","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/kopru-kredi%cc%87-verenler-temerrut-fai%cc%87z-orani-yuksek-mahkeme-4-temerrut-fai%cc%87zi%cc%87ni%cc%87-uygulanamaz-bi%cc%87r-ceza-ucreti%cc%87-olarak-kabul-etti%cc%87\/","title":{"rendered":"Kredi Verenin Temerr\u00fct Faiz Oran\u0131: Y\u00fcksek Mahkeme 4% Temerr\u00fct Faizinin Uygulanamaz Cezai \u015eart Oldu\u011funa Karar Verdi"},"content":{"rendered":"

Not: Dava daha sonra Temyiz Mahkemesi taraf\u0131ndan g\u00f6r\u00fclm\u00fc\u015ft\u00fcr. Temyiz Mahkemesi karar\u0131n\u0131n sonucunu yeni makalemizde okuyabilirsiniz \u201cGe\u00e7ici Krediler \u2013 Ge\u00e7ici Kredi Veren Kurumun Temerr\u00fct Faiz Oran\u0131 Y\u00fcr\u00fcrl\u00fck D\u0131\u015f\u0131 Bir Ceza Te\u015fkil Eder mi?\u201d<\/a><\/p>\n\n\n\n

\n\n\n\n

Yak\u0131n zamanda g\u00f6r\u00fclen bir davada, Y\u00fcksek Mahkeme, konut m\u00fclk\u00fc ile teminat alt\u0131na al\u0131nm\u0131\u015f bir k\u0131sa vadeli kredi s\u00f6zle\u015fmesindeki 'lik gecikme faiz oran\u0131n\u0131n bir ceza niteli\u011finde oldu\u011funu ve bu nedenle uygulanamaz oldu\u011funu karara ba\u011flam\u0131\u015ft\u0131r.<\/em><\/p>\n\n\n\n

Kredinin Teminat\u0131 ve Ko\u015fullar\u0131<\/strong><\/h2>\n\n\n\n

Kredi veren (L), H ve N\u2019nin sahibi oldu\u011fu ba\u015fka bir \u015firkete 1,9 milyon sterlinlik kredi vermi\u015ftir; bu kredinin teminat\u0131 olarak, aile evleri ve kiraya verilen be\u015f gayrimenkul de dahil olmak \u00fczere \u00e7e\u015fitli gayrimenkuller \u00fczerinde ipotek tesis edilmi\u015ftir.<\/p>\n\n\n\n

Kredi s\u00f6zle\u015fmesi, \u00f6nemli bir ihlal durumunda L\u2019nin bir tasfiye memuru atayabilece\u011fini, gayrimenkulleri satabilece\u011fini ve bir Ayda 4%<\/em> \u00f6nemli bir ihlal durumunda uygulanacak temerr\u00fct faizi.
<\/p>\n\n\n\n

Gecikme Faiz Oran\u0131n\u0131n Ceza Niteli\u011finde Olup Olmad\u0131\u011f\u0131n\u0131n De\u011ferlendirilmesi<\/strong><\/h2>\n\n\n\n

4% ayl\u0131k gecikme faizi oran\u0131, bir d\u00f6rt kat<\/em> standart oran \u00fczerinden yap\u0131lan art\u0131\u015f, uygulanamaz bir ceza oldu\u011fu ortaya \u00e7\u0131kt\u0131. Uygulama t<\/em>\u015fu davadan \u00e7\u0131kan ilkeler El Makdessi \u2013 Cavendish Square Holdings BV<\/strong><\/a><\/em>, gecikme faiz oran\u0131n\u0131n bir ceza niteli\u011finde olup olmad\u0131\u011f\u0131n\u0131 de\u011ferlendirirken temel soru \u015fudur: Y\u00fckselmenin boyutunun, me\u015fru bir menfaatin korunmas\u0131 a\u00e7\u0131s\u0131ndan tatmin edici bir a\u00e7\u0131klamas\u0131 olup olmad\u0131\u011f\u0131<\/em>. Prensipte, temerr\u00fct durumunda daha y\u00fcksek bir faiz oran\u0131 uygulanmas\u0131, bor\u00e7lunun artan kredi riski nedeniyle ticari a\u00e7\u0131dan hakl\u0131 g\u00f6r\u00fclebilir olsa da, L. \u015firketinin bu durumu burada gerek\u00e7e olarak g\u00f6sterebilece\u011fi \u015f\u00fcpheliydi.
<\/p>\n\n\n\n

Neden Daha Y\u00fcksek Temerr\u00fct Oranlar\u0131 Hakl\u0131 G\u00f6sterilemez<\/strong><\/h2>\n\n\n\n

H ve N\u2019nin kredi sorunlar\u0131, bir kredi kurulu\u015funun onlar\u0131 daha y\u00fcksek riskli olarak de\u011ferlendirmesine hakl\u0131 bir neden olu\u015fturabilirdi. Ancak, dikkate al\u0131nmas\u0131 gereken ba\u015fka fakt\u00f6rler de vard\u0131:
<\/p>\n\n\n\n

1. L, daha \u00f6nce ek kredi riskini yans\u0131tmak \u00fczere bir art\u0131\u015f\u0131 fiyatland\u0131rm\u0131\u015f ve N aleyhine verilen karar\u0131 yans\u0131tmak i\u00e7in oran\u0131 0,7%'den 1%'ye \u00e7\u0131karm\u0131\u015ft\u0131. L, standart oranla kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda kredi de\u011ferlili\u011fini d\u00fczeltmek i\u00e7in 0,3%'lik bir art\u0131\u015f\u0131n yeterli oldu\u011fu halde, ge\u00e7 \u00f6demenin neden 3%'lik bir art\u0131\u015f daha hakl\u0131 k\u0131ld\u0131\u011f\u0131na dair herhangi bir kan\u0131t sunmam\u0131\u015ft\u0131.
2. \u0130hlalin niteli\u011fine bak\u0131lmaks\u0131z\u0131n ayn\u0131 oranda gecikme faizi uygulan\u0131r
3. Temerr\u00fct oran\u0131 L taraf\u0131ndan merkezi olarak belirlenmi\u015fti; bu da, bu oran\u0131n bor\u00e7lunun \u00f6zel riskleri veya s\u00f6z konusu kredinin \u00f6zellikleri dikkate al\u0131narak belirlenemedi\u011fi anlam\u0131na geliyordu. Uzman g\u00f6r\u00fc\u015flerine g\u00f6re, kredi verildi\u011fi tarihteki tipik temerr\u00fct oran\u0131, bu davadaki temerr\u00fct oran\u0131ndan daha d\u00fc\u015f\u00fckt\u00fc.
<\/p>\n\n\n\n

Hukuki \u00d6zet<\/strong><\/h2>\n\n\n\n

Bu \u00f6rnek, iki temel ilkeyi vurgulamaktad\u0131r:
<\/p>\n\n\n\n

1. Ki\u015fiye \u00d6zel Fiyatlar<\/strong>: Kredi verenin \u2018me\u015fru menfaatini\u2019 korumak i\u00e7in faiz oranlar\u0131 her bir i\u015flem i\u00e7in ayr\u0131 ayr\u0131 belirlenmelidir
2. Orant\u0131l\u0131 Cezalar<\/strong>: Bu oran, temerr\u00fct durumunda kredi verenin maruz kalaca\u011f\u0131 risklerle orant\u0131l\u0131 olmal\u0131d\u0131r
<\/p>\n\n\n\n

Bize Ula\u015f\u0131n<\/strong><\/h2>\n\n\n\n

Bu konuyla ilgili herhangi bir sorunuz varsa l\u00fctfen ileti\u015fime ge\u00e7in dava i\u015flerinden sorumlu k\u0131demli ortak David Burns<\/em><\/strong><\/a> adresine e-posta g\u00f6ndererek D.Burns@rfblegal.co.uk<\/em><\/strong><\/a> veya telefonla 07762318409<\/a>.<\/em><\/strong><\/p>\n\n\n\n

Ek Bilgi<\/strong><\/h3>\n\n\n\n
    \n
  • Haber Yazar: David Burns<\/li>\n<\/ul>","protected":false},"author":1,"featured_media":3197,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[20,46,19],"tags":[81],"class_list":["post-3196","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-property-litigation","category-regulatory-law","category-residential-property","tag-litigation-team-dj"],"acf":[],"aioseo_notices":[],"yoast_head":"\nHigh Court Deems 4% Default Interest<\/title>\n<meta name=\"description\" content=\"Note: The case has subsequently been dealt with by the Court of Appeal. 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