{"id":8581,"date":"2026-02-02T11:37:08","date_gmt":"2026-02-02T11:37:08","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&p=8581"},"modified":"2026-02-02T11:37:14","modified_gmt":"2026-02-02T11:37:14","slug":"mulkiyet-davalari-ipotek-odemelerinin-gecikmesi-kredi-verenin-icra-islemleri-ve-borclunun-haklari","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/mulkiyet-davalari-ipotek-odemelerinin-gecikmesi-kredi-verenin-icra-islemleri-ve-borclunun-haklari\/","title":{"rendered":"Zilyetlik \u0130\u015flemleri ile Kar\u015f\u0131 Kar\u015f\u0131ya: \u0130potek Temerr\u00fcd\u00fc, Kredi Verenin \u0130cras\u0131 ve Bor\u00e7lunun Haklar\u0131\u00a0"},"content":{"rendered":"

Falling into mortgage arrears<\/a> can be one of the most stressful experiences a homeowner faces. For many borrowers, the first indication that matters have escalated is the arrival of a formal demand letter and often this is followed by correspondence threatening possession proceedings.  <\/p>\n\n\n\n

Mortgage default<\/a> does not automatically result in repossession. The legal framework governing lender enforcement<\/a> i\u00e7inde konut<\/a> \u00f6zellik<\/a> places emphasis on proportionality, fairness and the borrower\u2019s ability to remedy<\/a> arrears. Central to that framework is the court\u2019s statutory<\/a> discretion to delay or suspend possession where repayment is realistically achievable.  <\/p>\n\n\n\n

This article explains how mortgage default arises, how lenders enforce their security<\/a>, the role of the court under section 36 of the Administration of Justice Act 1970, and the rights and options available to borrowers facing the prospect of losing their home.  <\/p>\n\n\n\n

\u0130potek borcunun \u00f6denmemesi ve kredi verenin teminat\u0131 <\/h2>\n\n\n\n

A residential mortgage is both a loan agreement<\/a> and a security arrangement. The borrower is obliged to repay the loan in accordance with the mortgage terms, while the lender takes<\/a> a legal charge over the property as security for that obligation.  <\/p>\n\n\n\n

Mortgage default most commonly arises where a borrower falls into arrears by failing to make the required monthly payments. Default may also occur where the borrower breaches<\/a> other mortgage conditions<\/a>, such as failing to insure the property, falling into arrears on linked secured lending<\/a>, or letting the property without the lender\u2019s consent.  <\/p>\n\n\n\n

Bir temerr\u00fct meydana geldi\u011finde, kredi veren ilke olarak teminat\u0131n\u0131 icra etme hakk\u0131na sahip olur. Bu icra genellikle m\u00fclkiyetin geri al\u0131nmas\u0131 davas\u0131 \u015feklinde ger\u00e7ekle\u015fir; ancak m\u00fclkiyetin geri al\u0131nmas\u0131, otomatik veya cezai bir nitelik ta\u015f\u0131mamaktad\u0131r.  <\/p>\n\n\n\n

Dava \u00f6ncesi davran\u0131\u015flar ve erken a\u015famada ili\u015fki kurma <\/h2>\n\n\n\n

Before commencing possession proceedings, residential mortgage lenders are expected to engage<\/a> constructively with borrowers and consider alternatives to possession. This includes providing clear information about<\/a> the arrears, exploring repayment proposals, and allowing borrowers reasonable time to seek advice.  <\/p>\n\n\n\n

Bor\u00e7lunun bak\u0131\u015f a\u00e7\u0131s\u0131ndan, erken a\u015famada ileti\u015fime ge\u00e7mek hayati \u00f6nem ta\u015f\u0131r. Mahkemeler, yaz\u0131\u015fmalar\u0131n g\u00f6z ard\u0131 edildi\u011fi veya sorunlar\u0131 \u00e7\u00f6zme f\u0131rsatlar\u0131n\u0131n de\u011ferlendirilmedi\u011fi davalara olumsuz bakabilir. Bor\u00e7lu, gecikmi\u015f \u00f6demeleri gidermek i\u00e7in ger\u00e7ek\u00e7i bir plan sunabildi\u011fi takdirde, kredi verenler genellikle ge\u00e7ici d\u00fczenlemeleri veya revize edilmi\u015f \u00f6deme planlar\u0131n\u0131 de\u011ferlendirmeye haz\u0131rd\u0131r.  <\/p>\n\n\n\n

Ancak, gayri resmi anla\u015fmalar s\u0131n\u0131rl\u0131 bir koruma sa\u011flar. Mali zorluklar\u0131n devam etti\u011fi durumlarda, tekliflerin ger\u00e7ek\u00e7i, uygun \u015fekilde kan\u0131tlanm\u0131\u015f ve dava a\u00e7\u0131lmas\u0131 halinde g\u00fcvenilir olmas\u0131n\u0131 sa\u011flamak i\u00e7in genellikle hukuki dan\u0131\u015fmanl\u0131k gereklidir. <\/p>\n\n\n\n

M\u00fclkiyet davalar\u0131 ve mahkemenin rol\u00fc <\/h2>\n\n\n\n

\u00d6deme gecikmeleri devam ederse ve bir anla\u015fmaya var\u0131lamazsa, kredi veren, \u0130l\u00e7e Mahkemesinde m\u00fclk\u00fcn tahliyesi i\u00e7in dava a\u00e7abilir. Bu, m\u00fclk\u00fcn tahliyesi i\u00e7in karar al\u0131nmas\u0131 amac\u0131yla ba\u015flat\u0131lan resmi bir hukuki s\u00fcre\u00e7tir.  <\/p>\n\n\n\n

\u00d6nemli olan nokta, dava a\u00e7\u0131lmas\u0131 durumunun, m\u00fclk\u00fcn geri al\u0131nmas\u0131n\u0131n ka\u00e7\u0131n\u0131lmaz oldu\u011fu anlam\u0131na gelmemesidir. Mahkeme, yaln\u0131zca kredi verenin s\u00f6zle\u015fmeden do\u011fan haklar\u0131n\u0131 uygulamakla kalmaz; m\u00fclk\u00fcn geri al\u0131nmas\u0131na h\u00fckmedilip h\u00fckmedilmeyece\u011fini ve h\u00fckmedilecekse hangi ko\u015fullarda olaca\u011f\u0131n\u0131 belirlerken, kanunla tan\u0131nan takdir yetkisini de kullan\u0131r.  <\/p>\n\n\n\n

Borrowers are entitled to file a defence, attend the hearing and explain their position and their financial circumstances. The court will<\/a> expect to see clear evidence of income, expenditure, arrears and any proposals for repayment.  <\/p>\n\n\n\n

1970 tarihli Adalet \u0130daresi Kanunu\u2019nun 36. maddesi <\/h2>\n\n\n\n

A central protection for residential borrowers facing possession is section 36 of the Administration of Justice Act 1970. This provision gives the court power, in cases involving a mortgage of a dwelling<\/a> house, to adjourn proceedings, suspend execution of a possession order, or postpone the date for possession.  <\/p>\n\n\n\n

36. madde kapsam\u0131nda temel soru, bor\u00e7lunun, m\u00fclk\u00fcn elinden al\u0131nmas\u0131n\u0131 \u00f6nlemek i\u00e7in, gecikmi\u015f \u00f6demeler de dahil olmak \u00fczere ipotek kapsam\u0131nda \u00f6denmesi gereken tutarlar\u0131 makul bir s\u00fcre i\u00e7inde \u00f6deyebilme ihtimalinin olup olmad\u0131\u011f\u0131d\u0131r. Mahkeme bunun m\u00fcmk\u00fcn oldu\u011funa ikna olursa, belirli \u015fartlara tabi olmak kayd\u0131yla bor\u00e7lunun m\u00fclkte kalmas\u0131na izin verebilir.  <\/p>\n\n\n\n

Bu nedenle mahkeme, bor\u00e7lunun \u00f6denmesi gereken tutarlar\u0131 makul bir s\u00fcre i\u00e7inde \u00f6deyebilece\u011fi \u00f6ng\u00f6r\u00fcl\u00fcyorsa, davay\u0131 erteleyerek, icray\u0131 durdurarak veya m\u00fclkiyetin devrini ask\u0131ya alarak bor\u00e7lulara gecikmi\u015f bor\u00e7lar\u0131n\u0131 \u00f6demeleri i\u00e7in s\u00fcre tan\u0131ma konusunda takdir yetkisini kullanabilir. <\/p>\n\n\n\n

What constitutes a \u201creasonable period\u201d is fact-specific. Courts will consider the size of the arrears, the remaining term of the mortgage, the borrower\u2019s income and expenditure, and any evidence<\/a> of a change in circumstances. While there is no fixed formula, courts often assess affordability over the remaining mortgage term, particularly where arrears are not excessive.  <\/p>\n\n\n\n

36. madde, kredi verenin haklar\u0131n\u0131 ortadan kald\u0131rmaz; ancak mahkemenin, bu haklar\u0131, bor\u00e7lunun temerr\u00fcd\u00fc giderme ve evini elinde tutma imk\u00e2n\u0131yla dengelemesine imk\u00e2n tan\u0131r.  <\/p>\n\n\n\n

Ask\u0131ya al\u0131nm\u0131\u015f m\u00fclkiyet kararlar\u0131 ve bunlara uyum <\/h2>\n\n\n\n

Ask\u0131ya al\u0131nm\u0131\u015f bir tahliye karar\u0131 verildi\u011finde, bu karara uyulmas\u0131 hayati \u00f6nem ta\u015f\u0131r. Bor\u00e7lu \u00f6deme ko\u015fullar\u0131na uydu\u011fu takdirde, alacakl\u0131 tahliyeyi icra edemez. Ancak, \u00f6demelerde gecikme olmas\u0131 durumunda, alacakl\u0131 yeni bir dava a\u00e7madan karar\u0131n icras\u0131 i\u00e7in ba\u015fvuruda bulunabilir.  <\/p>\n\n\n\n

Borrowers who experience further difficulty should seek advice immediately. Courts retain the power to vary or re-suspend possession orders if circumstances change, but delay can significantly reduce the prospects of success<\/a>.  <\/p>\n\n\n\n

Gecikme bedellerinin \u00f6tesindeki ihtilaflar <\/h2>\n\n\n\n

Mortgage possession proceedings are not always straightforward arrears cases. Borrowers may challenge<\/a> the accuracy of the arrears figure, dispute the application of interest or charges<\/a>, or raise concerns about the enforceability of the loan agreement. <\/p>\n\n\n\n

In more complex cases, possession proceedings may intersect with other m\u00fclki\u0307yet anla\u015fmazliklari<\/a>, such as leasehold breaches, service charge arrears or competing secured lending. These cases require careful handling<\/a> to ensure that all relevant issues are properly before the court.  <\/p>\n\n\n\n

Uyu\u015fturucu bulundurma ve satman\u0131n sonu\u00e7lar\u0131 <\/h2>\n\n\n\n

E\u011fer m\u00fclkiyet hakk\u0131 nihai olarak icra yoluyla tahsil edilirse ve gayrimenkul sat\u0131l\u0131rsa, sat\u0131\u015f gelirleri \u00f6ncelikle ipotek borcunun ve icra masraflar\u0131n\u0131n \u00f6denmesine tahsis edilir. Kalan fazla tutar bor\u00e7luya iade edilirken, eksik kalan tutar bor\u00e7lunun y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc olarak kal\u0131r.  <\/p>\n\n\n\n

Bu \u00e7ok \u00f6nemli bir noktad\u0131r. M\u00fclk\u00fcn geri al\u0131nmas\u0131, bor\u00e7lunun mali y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn mutlaka sona erdi\u011fi anlam\u0131na gelmez. Sat\u0131\u015f bedelinin ipote\u011fi kapatmaya yetmedi\u011fi durumlarda, kredi veren kurum kalan bakiye i\u00e7in bor\u00e7ludan talepte bulunabilir.  <\/p>\n\n\n\n

Bu importance<\/a> of early legal advice <\/p>\n\n\n\n

Mortgage default cases are highly fact-sensitive, and outcomes often turn on the quality of evidence presented to the court. Early legal advice can assist borrowers in understanding<\/a> their rights, preparing realistic repayment proposals and engaging effectively with lenders.  <\/p>\n\n\n\n

For lenders, timely advice ensures that enforcement action complies with statutory requirements<\/a> and reduces the risk of delay or challenge.  <\/p>\n\n\n\n

Sonu\u00e7 <\/h2>\n\n\n\n

Facing possession proceedings following mortgage default is undoubtedly daunting, but repossession is not automatic. Borrowers who engage early, present credible repayment proposals and obtain appropriate advice are sometimes able to avoid the most severe consequences<\/a>. Conversely, inaction or misunderstanding of the court\u2019s powers can lead to unnecessary escalation.  <\/p>\n\n\n\n

Specialist m\u00fclk davalar\u0131<\/a> advice is essential in navigating these cases and achieving proportionate, practical outcomes.  <\/p>\n\n\n\n

M\u00fclkiyet Dava Konular\u0131: Bize Ula\u015f\u0131n <\/h2>\n\n\n\n

Ben Lewis is an associate solicitor in RFB\u2019s litigation<\/a> department. <\/p>\n\n\n\n

For enquiries on this topic, please contact<\/a> Ben Lewis via<\/a> email at B.Lewis@rfblegal.co.uk<\/a> veya 0203 947 8892 numaral\u0131 telefondan ula\u015fabilirsiniz. <\/p>","protected":false},"author":12,"featured_media":8499,"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],"tags":[],"class_list":["post-8581","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-property-litigation"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t