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6502 sayılı Tüketicinin Korunması Hakkında Kanunda (TKHK) konut finansmanı sözleşmesi, konut edinmeleri amacıyla tüketicilere kredi kullandırılması, konutların finansal kiralama yoluyla tüketicilere kiralanması, sahip oldukları konutların teminatı altında tüketicilere kredi kullandırılması ve bu kredilerin yeniden finansmanı amacıyla kredi kullandırılmasına yönelik sözleşme olarak tanımlanmıştır. Konut finansmanı sözleşmeleri Tüketicinin Korunması Hakkında Kanunda düzenlenmek sureti ile tüketici işlemi olarak kabul edilmiştir. Bu çerçevede 6502 sayılı TKHK kapsamında konut finansmanı sözleşmesinden bahsedebilmek için bu sözleşmenin tüketici ile konut finansmanı kuruluşu arasında kurulması gerekmektedir. Gerçekten de kanunda sayılanlar dışında başka gerçek veya tüzel kişilerden kredi temin edilmesi halinde yapılan sözleşmenin konut finansmanı sözleşmesi olarak kabul edilmesi mümkün değildir. Çalışmamızda tüketicilerin konut edinmeleri amacıyla kurulan finansman sözleşmeleri 6502 sayılı TKHK kapsamında sözleşmenin tanımı, tarafları, unsurları, türleri, hukuki niteliği, bağlı kredi, tarafların karşılıklı hakları ve borçları ile sözleşmenin sona ermesi hususları çerçevesinde inceleme konusu yapılacaktır. Belirtilmelidir ki konut finansmanı sisteminin, tüketicilerin ihtiyaç duydukları konutu edinmek amacıyla konut finansmanı kuruluşuyla konut finansmanı sözleşmesi yapması ve teminatlı kredi alacağının menkul kıymete bağlanarak tedavüle konulması şeklinde iki aşaması bulunmakta ise de çalışmamızda sadece konut finansmanı sisteminin birinci aşaması, yani tüketici ile konut finansmanı kuruluşu arasında konut edinme amacıyla yapılan kredi sözleşmeleri incelenecektir.
In the Code on Consumer Protection number 6502 a housing finance agreement is described as an agreement intended to provide loan facilities to consumers for acquiring a house, leasing of houses for the consumers through financial leasing, extension of loans for consumers where such loans are secured by the houses that the consumer own and loans extended to refinance the loans explained in this context. The housing finance agreements are adopted as a consumer transaction by arranging in the Code on Consumer Protection. Within this framework, to mention about the housing finance agreement in content of the Law on Consumer Protection number 6502, concluding between consumer and housing finance institute of this agreement is required. In fact that accepting as the housing finance agreement of concluded agreement is not possible when the credits are acquired from another natural or legal person except stated in code.In our study within the scope of the Law on Consumer Protection number 6502 financial agreements that are concluded for acquiring a house of consumers will be explained in comprehension matters which contact its definition, its content, its parties, its factors, its kinds, its legal characteristic, linked credit, parties' mutual rights and debts and discharge of contact. It is crucial to state that although there are two stages of housing finance system that concludes the housing finance agreement with housing finance institute for acquring a house which consumers require and in the form of putting into circulation by bonding to transferable security of secured credit, in our study, only the first stage of the housing finance system namely credit contacts that are concluded so as to acquire a house between consumer and the housing finance institute will be examined.
In the Code on Consumer Protection number 6502 a housing finance agreement is described as an agreement intended at providing loan facilities to consumers for acquiring a house, leasing of houses for the consumers through financial leasing, extension of loans for consumers where such loans are secured by the houses that the consumer owns and loans extended to refinance the loans explained in this context. The housing finance agreements are adopted as a consumer transaction by arranging in the Code on Consumer Protection. Within this framework, to mention about the housing finance agreement in content of the Law on Consumer Protection number 6502, concluding between consumer and housing finance institute of this agreement is required. In fact that accepting as the housing finance agreement of concluded agreement is not possible when the credits are acqured from another natural or legal persons except stated in code.In our study within scope of the Law on Consumer Protection number 6502 finance agreements that are concluded for acquiring a house of consumers will be explained in comprehension matters which contact its definition, its content, its parties, its factors, its kinds, its legal characteristic, linked credit, parties’ mutual rights and debts and discharging of contact. It is crucial to state that although there are two stages of housing finance system that concludes the housing finance agreement with housing finance institute for acquring a house which consumers require and in shape of putting into circulation by bonding to transferable security of secured credit, in our study, only first stage of the housing finance system namely credit contacts that are concluded so as to acquire a house between consumer and the housing finance institute will be examined.
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Dergi Türü : Ulusal
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