{"id":1205,"date":"2010-11-10T12:00:00","date_gmt":"2010-11-10T12:00:00","guid":{"rendered":"http:\/\/haksen.org.tr\/?p=1205"},"modified":"2010-11-10T12:00:00","modified_gmt":"2010-11-10T12:00:00","slug":"kkdf-artisina-anlamli-protesto","status":"publish","type":"post","link":"https:\/\/haksen.org.tr\/?p=1205","title":{"rendered":"KKDF Art\u0131\u015f\u0131na Anlaml\u0131 Protesto"},"content":{"rendered":"

Bug\u00fcn saat 13 de K\u0131z\u0131lay\u2019da biraraya gelen HAKSEN \u00fcyeleri , Banka kredilerinde yap\u0131lan KKDF kesintisinin art\u0131\u015f\u0131n\u0131 protesto ettiler.<\/p>\n

HAKSEN Genel Ba\u015fkan\u0131 Ayhan \u00c7ivi yapt\u0131\u011f\u0131 konu\u015fmada, KKDF\u2019nin anlam\u0131n\u0131 ve yap\u0131lan d\u00fczenlemenin hukuka ayk\u0131r\u0131l\u0131\u011f\u0131n\u0131 s\u00f6yledi.
\nS\u0131k s\u0131k \u2018h\u00fck\u00fcmet elini \u00e7ebimizden \u00e7ek\u2019 sloganlar\u0131 atan \u00fcyelere vatanda\u015flar da destek verdi.<\/p>\n

Genel Ba\u015fkan Ayhan \u00c7ivi konu\u015fmas\u0131nda \u015funlar\u0131 s\u00f6yledi:<\/p>\n

\u201cBilindi\u011fi gibi, Bakanlar Kurulunca al\u0131nan karar gere\u011fince, t\u00fcketicilerin kulland\u0131\u011f\u0131 banka kredilerinden al\u0131nan Kaynak Kullan\u0131m\u0131 Destekleme Fonu kesinti oran\u0131 y\u00fczde 10\u2019dan y\u00fczde 15\u2019e \u00e7\u0131kar\u0131lm\u0131\u015ft\u0131r. Bu art\u0131\u015f, 28 Ekimden \u00f6nce kullan\u0131lan kredilerin bundan sonraki taksitlerine de yans\u0131t\u0131lacakt\u0131r. Bu uygulama ne hukuki, ne de vicdanidir.<\/p>\n

KKDF NED\u0130R ?
\nVatanda\u015flar\u0131m\u0131z\u0131n hakk\u0131nda bilgi sahibi olmad\u0131\u011f\u0131 Kaynak Kullan\u0131m\u0131 Destekleme Fonu (KKDF), kredi kart\u0131 da dahil olmak \u00fczere faiz \u00f6dedi\u011fimiz her t\u00fcrl\u00fc bankac\u0131l\u0131k i\u015fleminde, \u00f6dedi\u011fimiz faizin belirli bir oran\u0131nda ayr\u0131ca \u00f6dedi\u011fimiz ikinci bir fazidir. Ad\u0131 Kaynak Kullan\u0131m\u0131 Destekleme Fonu olmas\u0131na ra\u011fmen t\u00fcketiciye hi\u00e7bir \u015fekilde geri d\u00f6n\u00fc\u015f\u00fc olmayan, hazineye aktart\u0131lan dolayl\u0131 bir vergidir. Bir ba\u015fka deyi\u015fle, bankaya \u00f6denen faiz \u00fczerinden al\u0131nan Banka Sigorta Muameleleri Vergisinden sadece ad\u0131 farkl\u0131 olan ikinci bir vergidir.
\nT\u00fcketicinin kulland\u0131\u011f\u0131 kredinin faizine orant\u0131l\u0131 olarak hesaplan\u0131r. \u00d6rne\u011fin, 500 TL ayl\u0131k kredi taksitinin i\u00e7erisinde 100 TL fazi oldu\u011funu varsayarsak, y\u00fczde 15\u2019ine kar\u015f\u0131l\u0131k 15TL\u2019de KKDF al\u0131n\u0131r. B\u00f6ylece \u00f6denen fazi 115 TL\u2019ye \u00e7\u0131kar.<\/p>\n

KKDF ARTI\u015eI GER\u0130YE DO\u011eRU UYGULANAMAZ.
\nBakanlar Kurulu Karar\u0131 ile 28 Ekim 2010 tarihinden itibaren y\u00fczde 10 oran\u0131 y\u00fczde 15\u2019e \u00e7\u0131kar\u0131lm\u0131\u015ft\u0131r. Bu nedenle, bankalar daha \u00f6nce kredi kullanan ve \u00f6demeleri devam eden m\u00fc\u015fterilerine mesaj g\u00f6ndererek art\u0131\u015f\u0131n \u00f6denecek ayl\u0131k taksitlere yans\u0131t\u0131laca\u011f\u0131n\u0131 bildirmi\u015flerdir.
\nVatanda\u015f \u00f6deme g\u00fcc\u00fcne g\u00f6re ko\u015fullar\u0131n\u0131 kabul ederek s\u00f6zle\u015fme imzalamas\u0131na ra\u011fmen, Bakanlar Kurulunca bu ko\u015fullar\u0131n geriye d\u00f6n\u00fck olarak de\u011fi\u015ftirilmesi s\u00f6z konusu olamaz. Nas\u0131l kredi faizlerindeki art\u0131\u015flar ve d\u00fc\u015f\u00fc\u015fler yans\u0131t\u0131lm\u0131yorsa, vergi ve fondaki t\u00fcketici aleyhine yap\u0131lan de\u011fi\u015fiklerin de yans\u0131t\u0131lmas\u0131 hukuka ayk\u0131r\u0131d\u0131r. Ancak, t\u00fcketicinin lehine olan de\u011fi\u015fikliklerin uygulanmas\u0131 s\u00f6z konusudur.<\/p>\n

ARTI\u015eTAN 10 M\u0130LYON K\u0130\u015e\u0130 ETK\u0130LENECEK.
\nBankalar Birli\u011finin resmi verilerine g\u00f6re halen 10 Milyon ki\u015fi t\u00fcketici kredisi taksidi \u00f6demektedir. Bakiye kredi tutar\u0131 102 Milyar TL\u2019dir. Yap\u0131lan de\u011fi\u015fiklik nedeniyle 10 milyon insan\u0131n daha fazla taksit \u00f6demesi gerekecektir. 24 ay vadeli 20 bin TL kredi kullanan bir vatanda\u015f\u0131m\u0131z\u0131n ayl\u0131k taksidi ortalama 10 TL artacakt\u0131r. Kullan\u0131lan kredi tutar\u0131 baz al\u0131nd\u0131\u011f\u0131nda vatanda\u015f\u0131n \u00f6deyece\u011fi ek KKDF toplam\u0131 ayl\u0131k 100 Milyon civar\u0131ndad\u0131r. <\/p>\n

MEMURA Y\u00dcZDE 2,5, FONA Y\u00dcZDE 50 ARTI\u015e.
\nMemur maa\u015flar\u0131na 2010 y\u0131l\u0131n\u0131n ikinci yar\u0131s\u0131nda y\u00fczde 2,5 art\u0131\u015f yap\u0131lm\u0131\u015ft\u0131r. KKDF oran\u0131 ise y\u00fczde 10\u2019dan 15\u2019e \u00e7\u0131kar\u0131larak y\u00fczde 50 art\u0131r\u0131lm\u0131\u015ft\u0131r. Bankalar\u0131n kredilerinin b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fc \u00fccretliler kullanm\u0131\u015flard\u0131r. Memurlar\u0131n y\u00fczde 75\u2019i bankalara kredi taksidi \u00f6demektedir. Yap\u0131lan art\u0131\u015f en fazla \u00e7al\u0131\u015fanlar\u0131 ve emeklileri ma\u011fdur edecektir.<\/p>\n

B\u0130R TARAFA AF D\u0130\u011eER TARAFA CEZA
\nH\u00fck\u00fcmet haz\u0131rlad\u0131\u011f\u0131 yasa tasla\u011f\u0131nda y\u00fczlerce kalemden olu\u015fan kamu alaca\u011f\u0131n\u0131n anaparas\u0131n\u0131 tahsil etmek i\u00e7in geri \u00f6demede b\u00fcy\u00fck kolayl\u0131klar getirmeyi ama\u00e7larken, 10 milyon insan\u0131 bankalarla kar\u015f\u0131 ka\u015f\u0131ya getirecektir. Tabiri caiz ise \u2018tav\u015fana ka\u00e7 taz\u0131ya tut\u2019 denilmektedir. Maliye Bakanl\u0131\u011f\u0131 konuya el koyarak, KKDF art\u0131\u015f\u0131n\u0131n bundan sonra yap\u0131lacak kredi s\u00f6zle\u015fmelerinde uygulanmas\u0131n\u0131 sa\u011flamal\u0131d\u0131r.\u201d<\/p>\n

\u0130\u00e7erik Galerisi<\/h2>\n

\"KKDF<\/p>\n

\"KKDF<\/p>\n","protected":false},"excerpt":{"rendered":"

Bug\u00fcn saat 13 de K\u0131z\u0131lay\u2019da biraraya gelen HAKSEN \u00fcyeleri , Banka kredilerinde yap\u0131lan KKDF kesintisinin art\u0131\u015f\u0131n\u0131 protesto ettiler<\/p>\n","protected":false},"author":1,"featured_media":1206,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-1205","post","type-post","status-publish","format-standard","has-post-thumbnail"],"_links":{"self":[{"href":"https:\/\/haksen.org.tr\/index.php?rest_route=\/wp\/v2\/posts\/1205","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haksen.org.tr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haksen.org.tr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haksen.org.tr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haksen.org.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1205"}],"version-history":[{"count":0,"href":"https:\/\/haksen.org.tr\/index.php?rest_route=\/wp\/v2\/posts\/1205\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haksen.org.tr\/index.php?rest_route=\/wp\/v2\/media\/1206"}],"wp:attachment":[{"href":"https:\/\/haksen.org.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1205"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haksen.org.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1205"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haksen.org.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1205"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}