{"id":9632,"date":"2026-06-01T10:34:13","date_gmt":"2026-06-01T10:34:13","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&#038;p=9632"},"modified":"2026-06-05T08:37:23","modified_gmt":"2026-06-05T08:37:23","slug":"kopru-kredilerindeki-temerrutler-ve-fsma-ile-cca-kapsamindaki-duzenleyici-hususlar","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/kopru-kredilerindeki-temerrutler-ve-fsma-ile-cca-kapsamindaki-duzenleyici-hususlar\/","title":{"rendered":"K\u00f6pr\u00fc Kredilerindeki \u00d6deme Gecikmeleri ve D\u00fczenleyici Hususlar (FSMA ve CCA)\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Bridging loans occupy a unique position in UK <a href=\"https:\/\/rfblegal.co.uk\/tr\/bilgi-tabani\/kopruleme-fi%cc%87nansmani-nedi%cc%87r\/\">Finans<\/a>: they are short-term, high-interest, and security-driven lending products designed to \u201cbridge\u201d a temporary funding gap, often in <a href=\"https:\/\/rfblegal.co.uk\/tr\/kategori\/mulk-davalari\/\">\u00f6zellik<\/a> transactions. Their speed and flexibility make them attractive for auction <a href=\"https:\/\/rfblegal.co.uk\/tr\/bilgi-tabani\/yeni%cc%87-yapi-alimlarinda-bi%cc%87lmeni%cc%87z-gerekenler\/\">purchases<\/a>, chain breaks, refurbishment projects, and investment acquisitions. However, the same features that make them useful also make them high-risk. When borrowers default, <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/kopru-kredi%cc%87-anlasmazliklari-temerrutler-nasil-yoneti%cc%87li%cc%87r-i%cc%87cra-ve-haksiz-sartlar\/\">enforcement<\/a> is typically swift and highly structured around the <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/qa-ertelenmis-bedelli-menkul-kiymet\/\">security<\/a> (usually property).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A key complexity in <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/kopru-kredi%cc%87leri%cc%87ni%cc%87-anlamak-i%cc%87hti%cc%87yac-sahi%cc%87bi%cc%87-borclular-i%cc%87ci%cc%87n-bi%cc%87r-guvenli%cc%87k-agi\/\">understanding<\/a> <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/kopru-kredi%cc%87-temerrutleri%cc%87-kredi%cc%87-veren-i%cc%87crasi-ve-secenekleri%cc%87ni%cc%87z\/\">bridging loan<\/a> <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/kopru-kredi-temerrutleri-kopru-krediyi-zamaninda-geri-odeyemezseniz-ne-olur\/\">defaults<\/a> in the UK is that these loans do not sit neatly within a single <a href=\"https:\/\/rfblegal.co.uk\/tr\/hizmetler\/ki%cc%87si%cc%87sel-hukuk\/duzenleyi%cc%87ci%cc%87-hukuk\/\">d\u00fczenleyici<\/a> regime. Depending on structure and purpose, a bridging loan may be governed by<a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/contents\"> FSMA 2000<\/a>, \u015fu mevzuat kapsam\u0131nda d\u00fczenlenmi\u015ftir: <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/1974\/39\/contents\">1974 T\u00fcketici Kredisi Kanunu (CCA)<\/a>, ya da tamamen denetimsiz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u0131z \u00f6ncelikli hedef oldu\u011fu i\u00e7in, k\u00f6pr\u00fc krediler genellikle geleneksel ipotek kredilerinden daha pahal\u0131d\u0131r ve net, uygulanabilir bir \u00e7\u0131k\u0131\u015f stratejisi gerektirir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The exit strategy\u2014the method by which the borrower intends to repay the loan\u2014is the focal point of any bridging facility. Common exit strategies include <a href=\"https:\/\/rfblegal.co.uk\/tr\/bilgi-tabani\/ev-satarken-tapu-devri-nedir\/\">selling<\/a> the secured property or <a href=\"https:\/\/rfblegal.co.uk\/tr\/hizmetler\/ki%cc%87si%cc%87sel-hukuk\/konut-mulku\/remortgage-mulk-refinansmani\/\">yeniden finansman<\/a> the bridging loan onto a long-term mortgage. If this strategy fails or is delayed, the borrower falls into default. Given the unforgiving, short-term nature of bridging finance, defaults can escalate quickly. Borrowers face mounting financial pressure, while lenders must navigate a strict <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/ev-sahi%cc%87pleri%cc%87-ve-yoneti%cc%87ci%cc%87ler-i%cc%87ci%cc%87n-yasal-rahatsizlik-tavsi%cc%87yesi%cc%87\/\">statutory<\/a> and regulatory landscape to enforce their security.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ge\u00e7i\u015f Kredisi \u00d6deme Gecikmelerinin Anla\u015f\u0131lmas\u0131<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To fully comprehend the regulatory implications of default, one must first understand what constitutes a default in the <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/kurumsal-baglamda-qa-i%cc%87s-hukuku\/\">context<\/a> of bridging finance. While <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/kayip-hak-sahi%cc%87pleri%cc%87-ve-benjamin-emi%cc%87rleri%cc%87\/\">missing<\/a> a monthly payment is an obvious trigger, &#8220;default&#8221; is a broad term that extends far beyond non-payment. The exact circumstances constituting default are outlined in the facility <a href=\"https:\/\/rfblegal.co.uk\/tr\/bilgi-tabani\/hi%cc%87ssedarlar-sozlesmesi%cc%87ne-i%cc%87hti%cc%87yacim-var-mi\/\">agreement<\/a> and security <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/yeni%cc%87-mali%cc%87-yil-rehberi%cc%87-i%cc%87sletmeni%cc%87zi%cc%87n-yasal-belgeleri%cc%87ni%cc%87n-guncel-olmasini-saglamak\/\">documents<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yayg\u0131n temerr\u00fct durumlar\u0131 \u015funlard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>S\u00fcre Sonu:<\/strong> Ge\u00e7ici kredinin kararla\u015ft\u0131r\u0131lan vade tarihine kadar toplam kredi bakiyesinin geri \u00f6denmemesi, temerr\u00fcd\u00fcn en yayg\u0131n nedenidir.<\/li>\n\n\n\n<li><strong>Technical <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/her-ti%cc%87cari%cc%87-mal-sahi%cc%87bi%cc%87ni%cc%87n-ki%cc%87raci-ki%cc%87ralama-i%cc%87hlalleri%cc%87-hakkinda-bi%cc%87lmesi%cc%87-gerekenler\/\">Breaches<\/a>:<\/strong> Breaching specific loan covenants, such as <a href=\"https:\/\/rfblegal.co.uk\/tr\/bilgi-tabani\/gayrimenkul-devir-islemlerinde-taahhut-nedir\/\">undertaking<\/a> structural refurbishments without the lender&#8217;s prior consent, or <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/onay-almadan-degi%cc%87si%cc%87kli%cc%87k-yapmak-i%cc%87zi%cc%87nsi%cc%87z-ki%cc%87ralama-degi%cc%87si%cc%87kli%cc%87kleri%cc%87ni%cc%87n-yasal-ri%cc%87skleri%cc%87\/\">unauthorised<\/a> changes to the property&#8217;s use or occupancy.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/the-pay-as-you-go-era-navigating-commercial-rent-arrears-in-tenant-insolvency\/\">\u0130flas<\/a> Events:<\/strong> The borrower entering <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/ortak-bi%cc%87r-yoneti%cc%87ci%cc%87-i%cc%87flasla-karsi-karsiya-kaldiginda-cikarlarinizi-korumak\/\">bankruptcy<\/a>, <a href=\"https:\/\/rfblegal.co.uk\/tr\/hizmetler\/is-hukuku\/ti%cc%87cari%cc%87-davalar\/iflas\/\">liquidation<\/a>, or an <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/energy-and-utility-disputes-are-you-an-individual-or-business-being-overcharged-by-your-energy-or-utility-provider\/\">Bireysel<\/a> Voluntary Arrangement (IVA).<\/li>\n\n\n\n<li><strong>\u00c7apraz temerr\u00fctler:<\/strong> A default on <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/ogrenci%cc%87-kayitlari-i%cc%87ci%cc%87n-basarili-bi%cc%87r-ofi%cc%87s-daha\/\">another<\/a> loan or financial obligation held by the borrower that negatively impacts their financial standing.<\/li>\n\n\n\n<li><strong>Yanl\u0131\u015f beyan:<\/strong> Ba\u015fvuru s\u00fcrecinde bor\u00e7lunun yanl\u0131\u015f veya yan\u0131lt\u0131c\u0131 bilgi verdi\u011finin ortaya \u00e7\u0131kmas\u0131.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Anl\u0131k Sonu\u00e7lar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once a default occurs, lenders often act swiftly to protect their <a href=\"https:\/\/rfblegal.co.uk\/tr\/hizmetler\/is-hukuku\/mulki%cc%87yet-davalari-i%cc%87si%cc%87\/kurumsal-i%cc%87sgalci%cc%87ler\/\">ticari<\/a> interests, often triggering rapid escalation of the borrower&#8217;s debt.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/kopru-kredileri-kopru-kredisi-verenlerin-temerrut-faiz-orani-uygulanamaz-bir-ceza-teskil-ediyor-mu\/\">Varsay\u0131lan Faiz<\/a> Rates:<\/strong> \u00d6deme gecikmesi durumunda, kredi verenler genellikle \u00e7ok daha y\u00fcksek bir faiz oran\u0131 uygular. Kredi verenler bazen bu faizi bile\u015fik olarak hesaplar ve bu da borcun k\u0131sa s\u00fcrede katlanarak artmas\u0131na neden olur.<\/li>\n\n\n\n<li><strong>Varsay\u0131lan \u00dccretler:<\/strong> Lenders typically charge administration fees, legal costs, and <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/gecici-kredilerde-temerrut-gecici-kredide-temerrut-uzerine-bir-tasfiye-memuru-atanirsa-ne-olur\/\">receiver<\/a> fees associated with <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/i%cc%87ngi%cc%87ltere-ve-gallerde-yabanci-bi%cc%87r-kararin-tenfi%cc%87zi%cc%87-common-law-reji%cc%87mi%cc%87-kapsaminda-tenfi%cc%87z-i%cc%87ci%cc%87n-kontrol-li%cc%87stesi%cc%87\/\">enforcing<\/a> the loan.<\/li>\n\n\n\n<li><strong>Yapt\u0131r\u0131m \u00d6nlemi:<\/strong> The lender may move to take <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/gecici-kredi-uyusmazliklarinda-sabit-ucretli-alicilar-ve-zilyetlik\/\">possession<\/a> of the property, initiate court proceedings, or appoint a Fixed Charge Receiver to take control of the asset and sell it to recover the debt.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Yasal \u00c7er\u00e7eve: FSMA ve CCA<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Birle\u015fik Krall\u0131k\u2019taki k\u00f6pr\u00fc finansman\u0131 sekt\u00f6r\u00fc, tek ve genel bir d\u00fczenleme \u00e7er\u00e7evesine tabi de\u011fildir. Bunun yerine, d\u00fczenleme iki ana rejime ayr\u0131lm\u0131\u015ft\u0131r: Finansal Davran\u0131\u015f Otoritesi (FCA) taraf\u0131ndan denetlenen krediler<a href=\"https:\/\/www.google.com\/url?sa=i&amp;source=web&amp;rct=j&amp;url=https:\/\/www.fca.org.uk\/&amp;ved=2ahUKEwi-85Dc9syUAxUkT0EAHbTFBagQy_kOegoIAggACAAIEhAC&amp;opi=89978449&amp;cd&amp;psig=AOvVaw0EnhMKI5p9CKS10C-yDIQR&amp;ust=1779540399200000\" target=\"_blank\" rel=\"noreferrer noopener\">FCA<\/a>) FSMA kapsam\u0131nda ve CCA taraf\u0131ndan d\u00fczenlenen krediler. Bir kredinin d\u00fczenleyici stat\u00fcs\u00fc, \u00f6zellikle temerr\u00fct durumunda bor\u00e7lunun yararland\u0131\u011f\u0131 yasal koruman\u0131n d\u00fczeyini belirler.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">D\u00fczenlemeye Tabi K\u00f6pr\u00fc Kredileri (FSMA)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">alt\u0131nda <a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2001\/544\/contents\/made\">2000 tarihli Finansal Hizmetler ve Piyasalar Kanunu (D\u00fczenlemeye Tabi Faaliyetler Y\u00f6netmeli\u011fi) 2001 <\/a>(\u2018RAO\u2019), bir k\u00f6pr\u00fc kredisi belirli kriterleri kar\u015f\u0131l\u0131yorsa \u201cd\u00fczenlemeye tabi ipotek s\u00f6zle\u015fmesi\u201d olarak kabul edilir. Genel olarak bu durum, kredinin bir bireye veya bir m\u00fctevelliye verildi\u011fi ve teminat olarak g\u00f6sterilen gayrimenkul\u00fcn halihaz\u0131rda bor\u00e7lu veya birinci derece bir aile \u00fcyesi taraf\u0131ndan kullan\u0131ld\u0131\u011f\u0131 ya da kullan\u0131lmas\u0131n\u0131n planland\u0131\u011f\u0131 durumlarda ge\u00e7erlidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The FCA governs these regulated bridging loans to ensure rigorous consumer protection. Key regulatory <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/i%cc%87ngi%cc%87ltere-vi%cc%87zeleri%cc%87-2024-asgari%cc%87-maas-ve-geli%cc%87r-sartlari\/\">requirements<\/a> include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Uygun Fiyatl\u0131l\u0131k De\u011ferlendirmeleri:<\/strong> Kredi verenler, krediyi vermeden \u00f6nce kapsaml\u0131 bir gelir do\u011frulamas\u0131 ve \u00f6deme g\u00fcc\u00fc de\u011ferlendirmesi yapmakla yasal olarak y\u00fck\u00fcml\u00fcd\u00fcr.<\/li>\n\n\n\n<li><strong>FCA \u0130\u015fletmeler \u0130\u00e7in \u0130lkeler:<\/strong> Kredi verenler, m\u00fc\u015fterilere adil davranmal\u0131 ve onlar\u0131n \u00e7\u0131karlar\u0131n\u0131 gerekti\u011fi gibi g\u00f6zetmelidir.<\/li>\n\n\n\n<li><strong>Mortgages and <a href=\"https:\/\/rfblegal.co.uk\/tr\/bilgi-tabani\/ev-tasinma-islemlerim-sorunsuz-mu\/\">Ev<\/a> Finance: Conduct of <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/qa-i%cc%87s-sozlesmeleri%cc%87\/\">\u0130\u015f D\u00fcnyas\u0131<\/a> Sourcebook (MCOB):<\/strong> Lenders must adhere to strict rules regarding <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/i%cc%87fsa-emi%cc%87rleri%cc%87\/\">disclosure<\/a>, pre-contractual illustrations, and <a href=\"https:\/\/rfblegal.co.uk\/tr\/bilgi-tabani\/rutubet-ve-kufle-mucadele-soz-konusu-oldugunda-ev-sahiplerinin-yasal-yukumlulukleri-nelerdir\/\">handling<\/a> <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/commercial-rent-arrears-a-practical-guide-for-commercial-tenants\/\">arrears<\/a>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00fczenlemeye tabi bir k\u00f6pr\u00fc kredisinde temerr\u00fct meydana geldi\u011finde, kredi veren kurum, FCA\u2019n\u0131n \u00f6demelerin ertelenmesi ve mali zorluk ya\u015fayan m\u00fc\u015fterilere adil davran\u0131lmas\u0131na ili\u015fkin kat\u0131 kurallara uymak zorundad\u0131r. Haciz i\u015flemi ancak son \u00e7are olarak uygulanabilir ve kredi veren kurumlar, alternatif geri \u00f6deme d\u00fczenlemeleri bulmak i\u00e7in bor\u00e7lularla proaktif bir \u015fekilde i\u015fbirli\u011fi yapmal\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">T\u00fcketici Kredisi Kanunu (CCA) Kapsam\u0131ndaki Krediler<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Consumer <a href=\"https:\/\/rfblegal.co.uk\/tr\/bilgi-tabani\/tapu-devir-masraflarini-kredi-kartiyla-odeyebilir-miyim\/\">Credit<\/a> Act 1974 (CCA), in general terms, applies primarily to smaller, unsecured, or second-charge bridging loans that fall outside the definition of a regulated mortgage contract, generally when the loan is not wholly or predominantly for business purposes. The CCA provides statutory rights for borrowers, including specific procedures lenders must follow when enforcing the loan or imposing default <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/konut-hi%cc%87zmet-bedelleri%cc%87-ev-sahi%cc%87pleri%cc%87-i%cc%87ci%cc%87n-prati%cc%87k-bi%cc%87r-rehber\/\">charges<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Historically, bridging loans to <a href=\"https:\/\/rfblegal.co.uk\/tr\/kategori\/kurumsal\/\">corporate<\/a> entities (e.g., Limited Companies or Special Purpose Vehicles) were largely unregulated. However, the line is increasingly blurred; some lenders attempt to require borrowers to incorporate companies to classify the loan as unregulated and avoid CCA or FSMA constraints. Yet, if the loan is deemed consumer credit in substance, the courts can look past the corporate veil, and the regulatory <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/azinlik-hi%cc%87sse-sahi%cc%87pleri%cc%87ni%cc%87n-haklari-ve-korumalari\/\">protections<\/a> of the CCA may still apply.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kredi Verenler \u0130\u00e7in Yasal Hususlar: Genel Yasak<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A critical regulatory <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/hisse-satisinda-ertelenmis-bedelin-korunmasi\/\">consideration<\/a> for all lenders operating in the UK is the &#8220;General Prohibition&#8221; established under <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/section\/19\">2000 tarihli FSMA'n\u0131n 19. maddesi<\/a>. Bu yasak, yetkili veya muaf bir ki\u015fi olmad\u0131k\u00e7a hi\u00e7 kimsenin Birle\u015fik Krall\u0131k\u2019ta \u201cd\u00fczenlemeye tabi faaliyet\u201d y\u00fcr\u00fctemeyece\u011fini belirtmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entering into a regulated mortgage contract is a regulated activity. If an unauthorised lender issues a loan that should have been regulated under FSMA, the <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/cifas-i%cc%87saretleri%cc%87ni%cc%87n-aciklanmasi-nedenleri%cc%87-sonuclari-ve-cozumleri%cc%87\/\">consequences<\/a> are severe:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Y\u00fcr\u00fcrl\u00fckten kald\u0131r\u0131labilirlik:<\/strong> Alt\u0131nda <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/section\/26\">2000 tarihli FSMA\u2019n\u0131n 26A. maddesi,<\/a> the loan agreement may be rendered completely unenforceable against the borrower. The lender may lose the <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/i%cc%87lk-reddetme-hakki-ev-sahi%cc%87pleri%cc%87-ve-ki%cc%87racilar-i%cc%87ci%cc%87n-onemli%cc%87-i%cc%87cgoruler\/\">right<\/a> to recover the principal sum or the interest.<\/li>\n\n\n\n<li><strong>Geri \u00d6deme Talimatlar\u0131:<\/strong> Mahkeme, kredi verenin bor\u00e7luya tazminat \u00f6demesine h\u00fckmedebilir; bu durumda, daha \u00f6nce \u00f6denmi\u015f olan t\u00fcm faiz ve anapara \u00f6demelerinin iadesi talep edilebilir.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/tr\/kategori\/ceza-davalari\/\">Criminal<\/a> Liability:<\/strong> Genel Yasa\u011f\u0131n ihlali, s\u0131n\u0131rs\u0131z para cezas\u0131 veya hapis cezas\u0131 ile cezaland\u0131r\u0131labilen bir su\u00e7tur.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u0130\u015fletmeler ve T\u00fcketiciler \u0130\u00e7in Muafiyet<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u0131k\u00e7a tart\u0131\u015fma konusu olan bir husus, k\u00f6pr\u00fc kredisinin \u201cticari ama\u00e7larla\u201d al\u0131n\u0131p al\u0131nmad\u0131\u011f\u0131d\u0131r; bu durum genellikle kredinin CCA d\u00fczenlemelerinden muaf tutulmas\u0131na yol a\u00e7ar. <a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2001\/544\/article\/60C\">D\u00fczenlenmi\u015f Faaliyetler Kararnamesi\u2019nin 60C(5) maddesi<\/a> bor\u00e7lu bu y\u00f6nde bir beyanda bulunursa, kredinin ticari ama\u00e7l\u0131 oldu\u011fu varsay\u0131l\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak, \u015fu \u015fartlar alt\u0131nda <a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2001\/544\/article\/60C\">60C. maddenin 6. f\u0131kras\u0131<\/a>, if the lender knew or had reasonable cause to suspect that the loan was not wholly or predominantly for business purposes, the declaration could be treated as invalid. In the event of a default, borrowers often <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/leasehold-reformuna-karsi-yapilan-yargi-mucadelesi%cc%87-ki%cc%87li%cc%87t-hukumleri%cc%87n-gelecegi%cc%87ni%cc%87-suphe-altina-sokuyor\/\">challenge<\/a> the validity of their business purpose declaration, arguing that the loan was actually for a consumer purpose (e.g., funding personal debt or a <a href=\"https:\/\/rfblegal.co.uk\/tr\/hizmetler\/ki%cc%87si%cc%87sel-hukuk\/konut-mulku\/\">konut<\/a> property purchase) and that the lender failed to conduct appropriate regulatory checks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Gecikme Faizi, \u00dccretler ve Haks\u0131z \u0130li\u015fkiler (CCA)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the most litigated aspects of bridging loan defaults is the imposition of default interest and <a href=\"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\/\">penalty<\/a> fees. Given the short timeframes and high risks of bridging finance, lenders <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/uluslararasi-tahki%cc%87mdeki%cc%87-artisa-yon-vermek-i%cc%87ci%cc%87n-sss\/\">frequently<\/a> <a href=\"https:\/\/rfblegal.co.uk\/tr\/bilgi-tabani\/yeni-bir-konut-satin-almak-icin-bir-emlak-avukatina-ihtiyacim-var-mi\/\">build<\/a> high default rates and fees into their contracts. However, borrowers have challenged whether these rates are legally enforceable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ceza Kanunu<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">[...]'dan al\u0131nan d\u00f6n\u00fcm noktas\u0131 niteli\u011findeki test uyar\u0131nca&nbsp;<em>Makdessi<\/em>, bir h\u00fck\u00fcm, s\u00f6zle\u015fmeyi ihlal eden tarafa, herhangi bir&nbsp;<strong>me\u015fru menfaat<\/strong>&nbsp;as\u0131l y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn ifas\u0131nda masum taraf\u0131n.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K\u00f6pr\u00fc kredisi piyasas\u0131nda, kredi verenler genellikle y\u00fcksek temerr\u00fct faiz oranlar\u0131n\u0131 (\u00f6rne\u011fin, ayl\u0131k (3%) ile (4%) aras\u0131), sermayenin tahsili gecikmi\u015f kredide ba\u011flanma riskini telafi ettiklerini \u00f6ne s\u00fcrerek gerek\u00e7elendirirler.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mahkemeler, cezai nitelikte say\u0131lacak \u201ckesin\u201d bir y\u00fczde oran\u0131 belirlememi\u015ftir; bunun yerine, s\u00f6z konusu oran\u0131n ticari ba\u011flamda \u201ca\u015f\u0131r\u0131\u201d veya \u201cvicdans\u0131z\u201d olup olmad\u0131\u011f\u0131na ba\u011fl\u0131d\u0131r. Faiz art\u0131\u015flar\u0131 hakl\u0131 gerek\u00e7elere dayanabilirken, orant\u0131s\u0131z bir zarara yol a\u00e7an a\u015f\u0131r\u0131 oranlar, uygulanamaz bir ceza olarak de\u011ferlendirilebilir.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bor\u00e7lular\u0131n Dikkate Almas\u0131 Gereken Fakt\u00f6rler:<\/strong><br>Bir k\u00f6pr\u00fc kredisi veya temerr\u00fct oran\u0131na itiraz edilirken, odak noktas\u0131, kar\u015f\u0131l\u0131k ayr\u0131lmas\u0131n\u0131n&nbsp;<strong>\u201cceza hukuku\u201d niteli\u011finde <\/strong>herhangi bir \u015feyle hi\u00e7 orant\u0131l\u0131 olmayan&nbsp;<strong>me\u015fru menfaat<\/strong>&nbsp;masum taraf\u0131n aleyhine \u2014yani as\u0131l amac\u0131, bor\u00e7 verenin me\u015fru menfaatini korumaktan ziyade bor\u00e7luyu cezaland\u0131rmakt\u0131r. Dikkate al\u0131nmas\u0131 gereken baz\u0131 hususlar \u015funlard\u0131r:\n<ul class=\"wp-block-list\">\n<li><strong>\u0130spat Y\u00fck\u00fc:<\/strong>&nbsp;Faiz oran\u0131n\u0131n kredi verenin menfaatine \u201chi\u00e7 orant\u0131l\u0131 olmad\u0131\u011f\u0131n\u0131\u201d ispatlama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc bor\u00e7luya aittir. Kredi verenin, se\u00e7ti\u011fi belirli faiz oran\u0131 i\u00e7in mutlaka matematiksel bir gerek\u00e7e sunmas\u0131 gerekmez.<\/li>\n\n\n\n<li><strong>Yasal S\u0131n\u0131fland\u0131rma Hatas\u0131:<\/strong>\u00a0E\u011fer bir kredi veren, bir krediyi yanl\u0131\u015fl\u0131kla \u201cd\u00fczenlemeye tabi olmayan\u201d olarak s\u0131n\u0131fland\u0131rm\u0131\u015fsa (\u00f6rne\u011fin, bor\u00e7lu gayrimenkulde ikamet etmeyi ama\u00e7larken \u201cticari ama\u00e7l\u0131\u201d beyan\u0131 imzalanm\u0131\u015fsa), bor\u00e7lu,\u00a0<a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/contents\">2000 Y\u0131l\u0131 Finansal Hizmetler ve Piyasalar Kanunu (FSMA)<\/a>\u00a0ve\u00a0<a href=\"https:\/\/handbook.fca.org.uk\/guides\/reader-guide\">FCA El Kitab\u0131<\/a>, bu da ceza kural\u0131ndan ba\u011f\u0131ms\u0131z olarak faiz ko\u015fullar\u0131n\u0131 \u201chaks\u0131z\u201d hale getirebilir.<\/li>\n\n\n\n<li><strong>\u201cBirincil Y\u00fck\u00fcml\u00fcl\u00fck\u201d Tuza\u011f\u0131:<\/strong>&nbsp;If the higher rate is structured to trigger on a &#8220;non-breach&#8221; event, lenders may argue it is a primary obligation (not a penalty). However, courts <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/bir-vasiyetname-onceki-anlasmalarimi-iptal-edebilir-mi\/\">will<\/a> look at the&nbsp;<strong>i\u00e7erik, bi\u00e7imden \u00f6nemlidir<\/strong>&nbsp;bunun ge\u00e7 \u00f6deme i\u00e7in fiilen bir ceza olup olmad\u0131\u011f\u0131n\u0131 g\u00f6rmek i\u00e7in.&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Kurtarma Sermayesi \u00dczerindeki Engelleme:<\/strong>&nbsp;Bor\u00e7lunun, kredisini geri \u00f6deyerek m\u00fclk\u00fcn\u00fc geri alma konusunda adil bir hakk\u0131 vard\u0131r. Geri \u00f6demeyi \u201cmakul olmayan bir \u015fekilde zorla\u015ft\u0131ran\u201d veya bu hakk\u0131n \u00f6n\u00fcnde bir \u201cengelleme\u201d te\u015fkil eden her t\u00fcrl\u00fc \u015fart \u2014\u00f6rne\u011fin, a\u015f\u0131r\u0131 y\u00fcksek \u00e7\u0131k\u0131\u015f \u00fccretleri veya a\u015f\u0131r\u0131 a\u011f\u0131r geri \u00f6deme ko\u015fullar\u0131 gibi\u2014 potansiyel olarak uygulanamaz oldu\u011fu gerek\u00e7esiyle itiraz edilebilir.<\/li>\n\n\n\n<li><strong>Haks\u0131z Etki veya Zorlama:<\/strong>&nbsp;If a borrower was pressured into the loan under illegitimate circumstances or without independent legal advice, the agreement (or personal <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/kisisel-teminatlar-ve-ticari-kira-borclari-risk-altindaki-yoneticilerdir\/\">guarantees<\/a> associated with it) might be set aside.<\/li>\n\n\n\n<li><strong>Professional <a href=\"https:\/\/rfblegal.co.uk\/tr\/bilgi-tabani\/mulk-devri-surecindeki-ihmal-nedeniyle-ne-kadar-tazminat-talep-edebilirim\/\">Negligence<\/a>:<\/strong>\u00a0Baz\u0131 durumlarda, ihtilaf ilgili uzmanlara atfedilebilir. \u00d6rne\u011fin, bir avukat y\u00fcksek gecikme faizi veya \u201cteknik\u201d temerr\u00fct riskleri konusunda uygun \u015fekilde dan\u0131\u015fmanl\u0131k yapmam\u0131\u015fsa, bor\u00e7lu, zararlar\u0131n\u0131 telafi etmek amac\u0131yla mesleki ihmal gerek\u00e7esiyle tazminat talebinde bulunabilir.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bir uyu\u015fmazl\u0131k durumunda k\u00f6pr\u00fc kredilerin icra edilebilirli\u011fine itiraz edilirken, \u201cceza kural\u0131\u201dn\u0131n \u00f6tesinde \u00e7e\u015fitli hukuki ve d\u00fczenleyici arg\u00fcmanlar g\u00f6z \u00f6n\u00fcnde bulundurulabilir; ancak m\u00fcmk\u00fcn oldu\u011funca erken bir a\u015famada hukuki dan\u0131\u015fmanl\u0131k almak \u00f6nemlidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">T\u00fcketici Kredisi Kanunu Kapsam\u0131nda Haks\u0131z \u0130li\u015fkiler<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Alt\u0131nda <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/1974\/39\/part\/IX\/crossheading\/unfair-relationships#:~:text=140AUnfair%20relationships%20between%20creditors%20and%20debtors&amp;text=(2)In%20deciding%20whether%20to,matters%20relating%20to%20the%20debtor).\">1974 tarihli CCA'n\u0131n 140A maddesi<\/a>, courts can review <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/qa-share-purchase-agreements\/\">agreements<\/a> deemed unfair due to factors like excessive total credit costs, lender misconduct, or oppressive enforcement. If an unfair relationship is found, s140B empowers courts to <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/isten-cikarma-yeniden-yapilandirma-ve-ise-yeniden-alim-isverenler-icin-pratik-bir-kilavuz\/\">restructure<\/a> the agreement, reduce interest rates, or order refunds of payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">David Burns, <a href=\"https:\/\/rfblegal.co.uk\/tr\/etiket\/senior-partner\/\">Senior<\/a> <a href=\"https:\/\/rfblegal.co.uk\/tr\/etiket\/litigation-team-br\/\">Davalar<\/a> Partner at Ronald <a href=\"https:\/\/rfblegal.co.uk\/tr\/\">Fletcher<\/a> Baker LLP, has extensive experience handling issues related to bridging loan defaults and disputes.\/ For <a href=\"https:\/\/rfblegal.co.uk\/tr\/bilgi-tabani\/9726-2\/\">sorular<\/a> on this topic, please <a href=\"https:\/\/rfblegal.co.uk\/tr\/bize-ulasin\/\">contact<\/a> David Burns <a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/vasifli-i%cc%87sci%cc%87-vi%cc%87zesi%cc%87-yolu-i%cc%87le-i%cc%87ngi%cc%87ltere-sponsor-li%cc%87sans-basvurulari-rehberi%cc%87\/\">via<\/a> email at D.Burns@rfblegal.co.uk or by phone at 0207 467 5751.<\/p>","protected":false},"author":12,"featured_media":9633,"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":[81],"class_list":["post-9632","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-property-litigation","tag-litigation-team-dj"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Bridging loans occupy a unique position in UK finance: they are short-term, high-interest, and security-driven lending products designed to \u201cbridge\u201d a temporary funding gap, often in property transactions. 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