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BDDK-BANKACILIK DÜZENLEME VE DENETLEME KURUMU

deprem

BDDK-BANKACILIK DÜZENLEME VE DENETLEME KURUMU

Deprem sonrası devreye alınan tedbirler :

Bankacılık Denetleme ve Düzenleme Kurulu deprem felaketi sonrasında vatandaşların borçlarına yönelik esneklik tanımak amacıyla ilave önlemler içeren Kurul kararı yayımlamıştır. Bu kapsamda; Deprem bölgesinde yerleşik kişilere yeni kullandırılacak veya yeniden yapılandırmaya tabi tutulacak taşıt ve tüketici kredilerinin vadelerine ilişkin daha önce belirlenen sürelerin kaldırılmasına, ödemesiz dönem uygulamasının da bankalara bırakılmasına,

deprem

Bu illerde yerleşik üye işyerlerince kredi kartları ile gerçekleştirilecek mal ve hizmet satımlarında da kredi kartları taksitlendirme sürelerinin bir kata kadar artırılmasına, Kredi kartlarında limite bakılmaksızın, asgari ödeme tutarının dönem borcunun yüzde 20’si olarak belirlenmesine, Kart limiti tespit edilirken bankalarca dikkate alınan sınırlar yükseltilerek bankalarca toplam kart limitinin ilk yıl için ilgilinin aylık ortalama net gelirinin 4 katını, ikinci ve sonraki yıllar için ise 8 katını aşmayacak şekilde belirlenmesine

“Cebe havale” işleminde günlük işlem limitinin 5.000 TL’ye, haftalık işlem limitinin 10.000 TL’ye, aylık işlem limitinin ise 15.000 TL’ye çıkarılmasına, Asgari tutarı ödenmeyen kredi kartlarının nakit kullanımına, mal ve hizmet alımına kapatılmasına, iptaline ve borcun tamamı ödeninceye kadar yeni kredi kartı düzenlenmemesine ilişkin hususun bankaların ihtiyarına bırakılmasına ve kart borçlarının ötelendiği süre boyunca asgari tutar da dâhil olmak üzere bankaların alacaklarını talep etmeyerek ödemesiz dönemler tanımlayabilmelerine imkân sağlanmasına, Aylık veya yıllık ortalama gelir düzeyinin tespit edilememesi durumunda gerçek kişilerin edinebilecekleri kredi kartlarının toplam limiti 2.000 TL’den 5.000 TL’ye yükseltilmesine, Bankalar, finansal kiralama, faktoring ve finansman şirketlerince kullandırılan tüketici ve taşıt kredilerinin anapara ve faiz ödemelerinin müşterilerin talebi üzerine ertelenmesi halinde erteleme süresinin, ilgili mevzuatta belirlenen vade sınırlarında dikkate alınmamasına, Kredi müşterilerinden alınması gereken kredi derecelendirme notları ile alınması zorunlu olan ilave belgelerin temini bankaların ihtiyarına bırakılmasına, Deprem felaketinden etkilenen müşterilere kullandırılan kredilerin gayrimenkul niteliğindeki teminatlarının değerlemesi ile ilgili sürelerin ertelenmesine, Kredi kullandırımlarına ilişkin olarak bağımsız denetime tabi olan şirketler tarafından bankalara tevdi edilmesi gereken bilgi ve belgelere ilişkin süreler deprem bölgesindeki illerdeki şirketler için uzatılmasına, Kredi vade sınırı ve kredi kartı taksit sınırına ilişkin sağlanan esnekliklerin 01.01.2024 tarihine kadar uzatılmasına,

Telefon bankacılığı işlemlerinde, kimlik doğrulama sürecinde iki bileşenli doğrulamanın yapılamadığı durumlarda, 30 gün süreyle geçerli olmak üzere, öncelikle PIN olmak üzere, güvenlik sorusu, müşterinin demografik bilgileri veya bankada yer alan diğer bilgilerinin kullanılarak kimlik doğrulama işleminin hayata geçirilmesine, Müşterilerin bilgileri dışında kart kullanımlarının engellenmesini teminen kartlı ödemelerde yapacağı ilk temassız işlemlerinde şifre girilmesinin sağlanmasına, sonraki işlemler için mevcut uygulamanın sürdürülmesine, Payları borsada işlem gören bankaların, 6 Şubat 2023’ten 1 Ocak 2024’e kadar geri alım yoluyla edindikleri kendi hisse senetlerinin, çekirdek sermayeden indirim kalemi olarak dikkate alınmamasına, Deprem bölgesinde bireysel kredi kartlarına ve ihtiyaç kredilerine uygulanan yüksek risk ağırlıklarının, 6 Şubat 2023 tarihinden sonra deprem bölgesindeki illerde yerleşik gerçek kişilere kullandırılanlar bakımından 1 Ocak 2024 tarihine kadar uygulanmamasına, Ticari nitelikteki nakdi kredilere uygulanan yüksek risk ağırlıklarının, 6 Şubat 2023 tarihinden sonra deprem felaketinden etkilenen müşterilere kullandırılanlar bakımından 1 Ocak 2024 tarihine kadar uygulanmamasına Kurul tarafından karar verilmiştir. Deprem felaketinden etkilenen müşterilerin talebi halinde, kredi ödemelerinin asgari 6 ay süre ile ötelenmesi ve ötelemenin faiz/kâr payı talep edilmeksizin yapılması durumunda müşteri talebinin aranmaması, mağduriyete mahal verilmemesi ve her türlü kolaylık sağlanması yönünde

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