<\/p>\n\n\n\n
\u201cAcil kredi laz\u0131m\u201d ya da \u201cAcil para laz\u0131m\u201d anahtar kelimeleriyle internette arama yaparsan\u0131z, kar\u015f\u0131n\u0131za kredi dan\u0131\u015fmanl\u0131\u011f\u0131 ad\u0131 alt\u0131nda faaliyet g\u00f6steren y\u00fczlerce gizli tefeci \u00e7\u0131kacakt\u0131r. Hepsinin ortak hedefi; kredi alma olana\u011f\u0131n\u0131 kaybetmi\u015f ki\u015filere y\u00fcksek faizle bor\u00e7 vermek…Tahsilat g\u00fcvenceleri ise bor\u00e7lunun emekli maa\u015f\u0131, kredi kart\u0131, kefil ya da satt\u0131klar\u0131 \u00fcr\u00fcn\u00fcn \u00fczerine koyduklar\u0131 ipotek\u2026<\/p>\n\n\n\n
Bu gizli tefeciler, kurduklar\u0131 tuzaklar\u0131n yasal g\u00f6r\u00fcn\u00fcm\nta\u015f\u0131mas\u0131na b\u00fcy\u00fck \u00f6zen g\u00f6steriyorlar. Bu tezg\u00e2hlar\u0131n bir\u00e7o\u011funu dinlemi\u015f olabilirisiniz.\nBen de ya\u015fanm\u0131\u015f bir \u00f6rne\u011fi payla\u015fabilirim\u2026<\/p>\n\n\n\n
Y\u0131llar \u00f6nce banka kredisini \u00f6deyemeyerek takibe d\u00fc\u015fm\u00fc\u015f bir emekli, bankalardan kredi alma olana\u011f\u0131 bulunmad\u0131\u011f\u0131 i\u00e7in internet \u00fczerinden \u201cacil kredi\u201d ar\u0131yor. Kar\u015f\u0131s\u0131na \u00e7\u0131kan se\u00e7eneklerinden biri ile telefon g\u00f6r\u00fc\u015fmesi yap\u0131yor ve derdine \u00e7are olacaklar\u0131n\u0131 d\u00fc\u015f\u00fcnerek \u0130stanbul\u2019daki \u015firket merkezine gidiyor. Orada kendisine tanesi 6 bin TL\u2019den mobil telefon sat\u0131yorlar ve ayn\u0131 anda 1900 TL\u2019den geri al\u0131yorlar. Satt\u0131klar\u0131 telefon kar\u015f\u0131l\u0131\u011f\u0131nda imzalatt\u0131klar\u0131 senetleri de yanlar\u0131na alarak bor\u00e7land\u0131rd\u0131klar\u0131 ki\u015fileri gruplar halinde \u0130cra m\u00fcd\u00fcrl\u00fc\u011f\u00fcne g\u00f6t\u00fcr\u00fcyorlar. Burada emekli maa\u015f\u0131n\u0131n tamam\u0131n\u0131 11 ay s\u00fcreyle ba\u011flayacak \u015fekilde taahh\u00fctname imzalat\u0131yorlar. B\u00f6ylece verdikleri toplam 11.600 TL kar\u015f\u0131l\u0131\u011f\u0131nda 11 ayda 24.000 TL tahsil etmi\u015f oluyorlar. Bu vatanda\u015f\u0131m\u0131zdan ayr\u0131ca 500 TL taahh\u00fcd\u00fcn kald\u0131r\u0131lmas\u0131 i\u00e7in para kesmeyi de ihmal etmiyorlar. <\/p>\n\n\n\n
Biliyoruz ki, kimine telefon, kimine otomobil, kimine elektrikli ev aletleri satarak gizli tefecilik yapanlar \u00f6zellikle bor\u00e7 sarmal\u0131na d\u00fc\u015fm\u00fc\u015f \u00e7aresiz ki\u015fileri tuzaklar\u0131na \u00e7ekmeyi ba\u015far\u0131yor. Say\u0131n Cumhurba\u015fkan\u0131m\u0131z Recep Tayyip Erdo\u011fan’\u0131n faizsiz finansman konusunda g\u00f6sterdi\u011fi samimi \u00e7aban\u0131n de\u011ferlendirilmesi gerekir. Bu nedenle \u00e7\u00f6z\u00fcm konusunda baz\u0131 \u00f6nerileri dile getirmeyi g\u00f6rev biliyorum. Kanaatimce bunlara kar\u015f\u0131 iki \u00f6nlemi birlikte almam\u0131z gerekiyor. <\/p>\n\n\n\n
\u00d6ncelikle al\u0131\u015fveri\u015fin arkas\u0131na gizlenmi\u015f tefecilik faaliyetleri mali su\u00e7tur. Bu iki ki\u015fi aras\u0131nda ge\u00e7en ticari faaliyet de\u011fildir. Mali su\u00e7larla ilgili i\u015flemlerin Adliye koridorlar\u0131nda, \u0130cra dairelerinde i\u015flenmesi ayr\u0131 bir garabettir. Ayr\u0131ca internet ortam\u0131nda \u201cacil kredi\u201d yazd\u0131\u011f\u0131n\u0131zda bu \u015febekeleri bir \u00e7\u0131rp\u0131da bulman\u0131z m\u00fcmk\u00fcn. Burada Mali Su\u00e7lar\u0131 Ara\u015ft\u0131rma Kurulu\u2019na i\u015f d\u00fc\u015f\u00fcyor. Dahas\u0131 Cumhuriyet Savc\u0131lar\u0131na b\u00fcy\u00fck g\u00f6rev d\u00fc\u015f\u00fcyor. <\/p>\n\n\n\n
\u0130kincisi \u201cmahalle bor\u00e7 sand\u0131klar\u0131\u201d kurarak bor\u00e7 sarmal\u0131ndan\n\u00e7\u0131kmay\u0131 ba\u015faramayan \u00e7aresizleri kurtarmam\u0131z m\u00fcmk\u00fcn. Emekli maa\u015f\u0131n\u0131 taahh\u00fct\nederek borcunu \u00f6deyebilen biri elbette faizsiz borcu daha k\u0131sa s\u00fcrede \u00f6deyecektir.\n<\/p>\n\n\n\n
Mahalle bor\u00e7 sand\u0131klar\u0131 faize bula\u015fm\u0131\u015f ya da bula\u015fma riski y\u00fcksek bireylerin elinden tutacak, onlar\u0131 d\u00fczl\u00fc\u011fe \u00e7\u0131kar\u0131ncaya kadar yanlar\u0131nda olacak \u0130slami \u00f6l\u00e7\u00fclerle hareket eden dayan\u0131\u015fma kurumudur. <\/strong><\/p>\n\n\n\n Mahalle bor\u00e7 sand\u0131klar\u0131n\u0131n kurulu\u015fu ba\u011f\u0131\u015f\u00e7\u0131lar ve bu ama\u00e7la kurulmu\u015f Para Vakf\u0131 taraf\u0131ndan ger\u00e7ekle\u015fecektir. Mahalle bor\u00e7 sand\u0131klar\u0131ndan sadece ger\u00e7ek ki\u015filer yararlanacakt\u0131r. \u015eirket veya i\u015fyerlerine bor\u00e7 verilmeyecektir. Sosyal Yard\u0131mla\u015fma ve Dayan\u0131\u015fma Vak\u0131flar\u0131ndan yard\u0131m alan ki\u015filere bor\u00e7 verilmeyecek, ancak kar\u015f\u0131l\u0131ks\u0131z yard\u0131mda bulunulacakt\u0131r. Bor\u00e7 verme limiti ki\u015finin gelir testi yap\u0131larak belirlenecek ve toplam gelirinin % 70\u2019ini ge\u00e7meyecektir. Bir ki\u015fiye verilecek bor\u00e7 limiti toplanan kayna\u011f\u0131n %5\u2019ini ge\u00e7emeyecektir. Borcun vadesi en fazla 24 ay olup, \u00f6deme takvimi ki\u015finin talebine g\u00f6re 3 ayl\u0131k d\u00f6nemleri ge\u00e7meyecek \u015fekilde planlan\u0131r. Bor\u00e7lanan ki\u015fi, borcunu \u00f6demeden yeniden bor\u00e7lanamaz. Borcunu \u00f6deyemeyen ki\u015fiye kefil g\u00f6stermesi halinde ek s\u00fcre verilebilir. Bu ek s\u00fcre 60 g\u00fcnden fazla olamaz. Bor\u00e7tan dolay\u0131 her ne ad alt\u0131nda olursa olsun, ek maliyet y\u00fcklenemez. Bor\u00e7 tutar\u0131 gerekirse kefalet sand\u0131\u011f\u0131na veya bir alacak sigortas\u0131na sigortalanabilir. Bankadan kredi kullanan ki\u015filere kredisini kapatmak taahh\u00fcd\u00fcyle bor\u00e7 verilir. Para Vakf\u0131, Mahalle ve K\u00f6ylerde kurulacak Bor\u00e7 Sand\u0131klar\u0131 arac\u0131\u011f\u0131yla bor\u00e7 verir. Bor\u00e7 Sand\u0131klar\u0131 se\u00e7im sand\u0131k \u00e7evresi esas al\u0131narak belirlenir. Yakla\u015f\u0131k 200 ki\u015fiye bir Bor\u00e7 Sand\u0131\u011f\u0131 kurulur. 200 ki\u015finin alt\u0131nda kalan k\u00f6y ya da mahallelerde yak\u0131n \u00e7evreyle birle\u015ftirilerek bu say\u0131ya ula\u015f\u0131l\u0131r. <\/p>\n\n\n\n Bor\u00e7 sand\u0131klar\u0131n\u0131n m\u00fctevellisi, o mahaldeki ba\u011f\u0131\u015f\u00e7\u0131lard\u0131r.\nHer y\u0131l Ramazan ay\u0131nda M\u00fctevelli heyet yeniden olu\u015fturulur. M\u00fctevelli heyet; en\ny\u00fcksek 5 ba\u011f\u0131\u015f\u00e7\u0131 ile 1 imam, 1 \u00f6\u011fretmenden olu\u015fur. \u0130mam ve \u00f6\u011fretmenler iste\u011fe\nba\u011fl\u0131 olarak \u00e7a\u011f\u0131r\u0131l\u0131r. M\u00fctevelli heyet muhtarl\u0131klarla ileti\u015fim halinde olur. M\u00fctevelli\nheyet toplant\u0131lar\u0131 ayda en az bir kez yap\u0131l\u0131r. M\u00fctevelli heyet toplant\u0131lar\u0131na\n\u00fc\u00e7 kez kat\u0131lmayan \u00fcye yerine yedek \u00fcye davet edilir. Her \u0130l\u2019de bir Vak\u0131f \u015eubesi\na\u00e7\u0131l\u0131r. Vak\u0131f \u015fubesi sand\u0131klar\u0131n i\u015fleyi\u015fini denetler. Bor\u00e7lanmak isteyen\nki\u015fiyle ilgili talep, Vak\u0131f taraf\u0131ndan onaylanmas\u0131 halinde i\u015fleme konabilir. Sand\u0131\u011f\u0131n\nkurulu\u015f sermayesinin en fazla 2\/3\u2019\u00fc Vak\u0131f, 1\/3\u2019\u00fc mahalli ba\u011f\u0131\u015flardan\nolu\u015fturulur. Her sand\u0131\u011f\u0131n sermayesi 30 bin SDR\u2019dir. Bor\u00e7 senedi, Bakara Suresi\nAyeti gere\u011fince \u015fahitler huzurunda imzalan\u0131r. \u00d6denmeyen bor\u00e7 senetleri i\u00e7in\nm\u00fctevelli heyet onay\u0131yla yasal takip yap\u0131labilir. \u00d6deme zorlu\u011fu \u00e7eken\nki\u015filerden aciz vesikas\u0131 olmas\u0131 halinde bor\u00e7 silinir. Bor\u00e7 sand\u0131\u011f\u0131 b\u00fct\u00e7esi\ny\u0131ll\u0131k olarak yap\u0131l\u0131r. Ramazan Ay\u0131 ba\u015flang\u0131c\u0131 y\u0131l\u0131n milad\u0131d\u0131r. Her ay sonu\nitibariyle gelir tablosu ve b\u00fct\u00e7e ger\u00e7ekle\u015fmeleri haz\u0131rlan\u0131r. Bor\u00e7 Sand\u0131klar\u0131\nayn\u0131 il\u00e7e i\u00e7erisinde olmak kayd\u0131yla birbirlerine bor\u00e7 verebilirler. Vak\u0131f\ntaraf\u0131ndan verilen kurulu\u015f sermayesi, 5 y\u0131l i\u00e7erisinde y\u0131ll\u0131k e\u015fit taksitler\nhalinde Vakfa iade edilir. <\/p>\n\n\n\n Ne dersiniz? Bu sand\u0131klar\u0131 kurabilir miyiz?<\/p>\n","protected":false},"excerpt":{"rendered":" \u201cAcil kredi laz\u0131m\u201d ya da \u201cAcil para laz\u0131m\u201d anahtar kelimeleriyle internette arama yaparsan\u0131z, kar\u015f\u0131n\u0131za kredi dan\u0131\u015fmanl\u0131\u011f\u0131 ad\u0131 alt\u0131nda faaliyet g\u00f6steren y\u00fczlerce gizli tefeci \u00e7\u0131kacakt\u0131r. Hepsinin ortak hedefi; kredi alma olana\u011f\u0131n\u0131 kaybetmi\u015f ki\u015filere y\u00fcksek faizle bor\u00e7 vermek…Tahsilat g\u00fcvenceleri ise bor\u00e7lunun emekli maa\u015f\u0131, kredi kart\u0131, kefil ya da satt\u0131klar\u0131 \u00fcr\u00fcn\u00fcn \u00fczerine koyduklar\u0131 ipotek\u2026 Bu gizli tefeciler, kurduklar\u0131 … Okumaya devam et Acil kredi oltas\u0131na tak\u0131lmay\u0131n…<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[42,43],"class_list":["post-296","post","type-post","status-publish","format-standard","hentry","category-yazilar","tag-acil-kredi","tag-tefecilik"],"_links":{"self":[{"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/posts\/296"}],"collection":[{"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/comments?post=296"}],"version-history":[{"count":6,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/posts\/296\/revisions"}],"predecessor-version":[{"id":302,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/posts\/296\/revisions\/302"}],"wp:attachment":[{"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/media?parent=296"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/categories?post=296"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hasanfehmikinay.net\/index.php\/wp-json\/wp\/v2\/tags?post=296"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}