{"id":60214,"date":"2025-07-14T15:02:22","date_gmt":"2025-07-14T12:02:22","guid":{"rendered":"https:\/\/jetlak.app\/?p=60214"},"modified":"2025-07-14T15:02:22","modified_gmt":"2025-07-14T12:02:22","slug":"kredi-ve-kredi-karti-borc-yapilandirma-basvurulari-2025-bddk-kredi-borc-yapilandirma-basvurusu-nasil-yapilir-kimler-yararlanabilecek","status":"publish","type":"post","link":"https:\/\/jetlak.app\/?p=60214","title":{"rendered":"Kredi ve kredi kart\u0131 bor\u00e7 yap\u0131land\u0131rma ba\u015fvurular\u0131 2025: BDDK kredi bor\u00e7 yap\u0131land\u0131rma ba\u015fvurusu nas\u0131l yap\u0131l\u0131r, kimler yararlanabilecek?"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/cdn1.ntv.com.tr\/gorsel\/pT6YSiAh-0y2tyUwVbgZtQ.jpg?width=1200&amp;ampmode=crop&amp;ampscale=both\" class=\"type:primaryImage\" alt=\"Kredi ve kredi kart\u0131 bor\u00e7 yap\u0131land\u0131rma ba\u015fvurular\u0131 2025: BDDK kredi bor\u00e7 yap\u0131land\u0131rma ba\u015fvurusu nas\u0131l yap\u0131l\u0131r, kimler yararlanabilecek?\" \/><\/p>\n<p>Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), kredi kart\u0131 ve ihtiya\u00e7 kredisi bor\u00e7lar\u0131n\u0131 yeniden yap\u0131land\u0131rmak isteyen milyonlarca bireysel m\u00fc\u015fteri i\u00e7in yeni bir d\u00fczenlemeyi devreye ald\u0131. Yap\u0131lan son a\u00e7\u0131klamaya g\u00f6re, yap\u0131land\u0131rma ba\u015fvurular\u0131 bankalar arac\u0131l\u0131\u011f\u0131yla al\u0131nacak ve ba\u015fvuru s\u00fcresi karar tarihinden itibaren 3 ay ile s\u0131n\u0131rl\u0131 olacak. Bu s\u00fcre\u00e7te bor\u00e7lu vatanda\u015flara 48 aya kadar taksit imk\u00e2n\u0131 tan\u0131nacak. Peki, kredi ve kredi kart\u0131 bor\u00e7 yap\u0131land\u0131rma ba\u015fvurular\u0131 ne zaman, nas\u0131l yap\u0131l\u0131r ve kimler yararlanabilecek?<\/p>\n<section class=\"type:slideshow\">\n<figure><img decoding=\"async\" src=\"https:\/\/cdn1.ntv.com.tr\/gorsel\/V9P_NgMq6ECl5b8YkrRLsw.jpg?width=1200&amp;mode=crop&amp;scale=both\" width=\"1200\" \/><figcaption>Kredi bor\u00e7 yap\u0131land\u0131rma ba\u015fvurular\u0131n\u0131n ba\u015flamas\u0131yla birlikte g\u00f6zler ba\u015fvurular\u0131n nas\u0131l ve nereden yap\u0131laca\u011f\u0131na \u00e7evrildi. Kredi ve kredi kart\u0131 bor\u00e7lar\u0131n\u0131 \u00f6demekte zorlanan vatanda\u015flara, BDDK taraf\u0131ndan yeni bir d\u00fczenleme getirildi. Kredi ve kredi kart\u0131 bor\u00e7lar\u0131 art\u0131k azami 48 ay vade ile yap\u0131land\u0131r\u0131labilecek. Peki, kredi ve kredi kart\u0131 bor\u00e7 yap\u0131land\u0131rma ba\u015fvurular\u0131 ne zaman, nas\u0131l yap\u0131l\u0131r ve kimler yararlanabilecek?<\/figcaption><\/figure>\n<figure><img decoding=\"async\" src=\"https:\/\/cdn1.ntv.com.tr\/gorsel\/xLSq_u8mIEa3reVmFcGQIw.jpg?width=1200&amp;mode=crop&amp;scale=both\" width=\"1200\" \/><figcaption>Yap\u0131land\u0131rma imk\u00e2n\u0131ndan yararlanabilecek gruplar \u015f\u00f6yle s\u0131ralan\u0131yor:Kredi kart\u0131 d\u00f6nem borcunun tamam\u0131n\u0131 ya da bir k\u0131sm\u0131n\u0131 \u00f6deyemeyen bireysel kullan\u0131c\u0131lar,Anapara ve\/veya faiz \u00f6demesi gecikmi\u015f ihtiya\u00e7 kredisi bor\u00e7lular\u0131,Daha \u00f6nce yap\u0131land\u0131rma yap\u0131lm\u0131\u015f olsa bile tekrar yap\u0131land\u0131rmak isteyen ki\u015filer.<\/figcaption><\/figure>\n<figure><img decoding=\"async\" src=\"https:\/\/cdn1.ntv.com.tr\/gorsel\/gswQDeFBH02ULePzNuV8Wg.jpg?width=1200&amp;mode=crop&amp;scale=both\" width=\"1200\" \/><figcaption>Kredi ve kredi kart\u0131 bor\u00e7lar\u0131 azami 48 ay vade ile yap\u0131land\u0131r\u0131labilecek.Gecikme \u015fart\u0131 kald\u0131r\u0131ld\u0131. Art\u0131k ihtiya\u00e7 kredilerinde &#8220;30 g\u00fcn gecikme&#8221; ko\u015fulu aranmayacak. Her t\u00fcr gecikmi\u015f bor\u00e7 yap\u0131land\u0131rma kapsam\u0131na girebilecek.\u00d6nceden karar tarihi esas al\u0131n\u0131rken, art\u0131k yap\u0131land\u0131rma tarihindeki bor\u00e7 miktar\u0131 dikkate al\u0131nacak.Gecikme ya\u015fanmasa dahi daha \u00f6nce yap\u0131land\u0131r\u0131lm\u0131\u015f krediler ikinci kez yap\u0131land\u0131r\u0131labilecek.<\/figcaption><\/figure>\n<figure><img decoding=\"async\" src=\"https:\/\/cdn1.ntv.com.tr\/gorsel\/kDVWjxZR50K44Hs83PnGLA.jpg?width=1200&amp;mode=crop&amp;scale=both\" width=\"1200\" \/><figcaption>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) taraf\u0131ndan kredi kart\u0131 yap\u0131land\u0131rmalar\u0131 i\u00e7in belirlenen azami faiz oran\u0131 y\u00fczde 3,11 oldu. Ayr\u0131ca:Kredi kart\u0131 borcunun en az yar\u0131s\u0131 \u00f6denmeden kart limiti art\u0131r\u0131lamayacak.Yeniden yap\u0131land\u0131rma kapsam\u0131nda kulland\u0131r\u0131lacak yeni krediler, mevcut bor\u00e7 miktar\u0131n\u0131 a\u015famayacak.<\/figcaption><\/figure>\n<figure><img decoding=\"async\" src=\"https:\/\/cdn1.ntv.com.tr\/gorsel\/hUxAW8hwQ0W8TvoIslsy2Q.jpg?width=1200&amp;mode=crop&amp;scale=both\" width=\"1200\" \/><figcaption>Yap\u0131land\u0131rma ba\u015fvurular\u0131 do\u011frudan m\u00fc\u015fterisi olunan banka \u015fubeleri, internet bankac\u0131l\u0131\u011f\u0131 ya da mobil uygulamalar \u00fczerinden yap\u0131labilecek. Ba\u015fvurular\u0131n h\u0131zl\u0131 ve d\u00fc\u015f\u00fck maliyetli bir \u015fekilde sonu\u00e7land\u0131r\u0131lmas\u0131 hedefleniyor.<\/figcaption><\/figure>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), kredi kart\u0131 ve ihtiya\u00e7 kredisi bor\u00e7lar\u0131n\u0131 yeniden yap\u0131land\u0131rmak isteyen milyonlarca bireysel m\u00fc\u015fteri i\u00e7in yeni bir d\u00fczenlemeyi devreye ald\u0131. Yap\u0131lan son a\u00e7\u0131klamaya g\u00f6re, yap\u0131land\u0131rma ba\u015fvurular\u0131 bankalar arac\u0131l\u0131\u011f\u0131yla al\u0131nacak ve ba\u015fvuru s\u00fcresi karar tarihinden itibaren 3 ay ile s\u0131n\u0131rl\u0131 olacak. Bu s\u00fcre\u00e7te bor\u00e7lu vatanda\u015flara 48 aya kadar taksit imk\u00e2n\u0131 tan\u0131nacak. Peki, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":60174,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"jnews_social_meta":[],"jnews_review":[],"enable_review":"","type":"","name":"","summary":"","brand":"","sku":"","good":[],"bad":[],"score_override":"","override_value":"","rating":[],"price":[],"jnews_override_counter":[],"jnews_post_split":[],"footnotes":""},"categories":[103],"tags":[],"class_list":["post-60214","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ntv-k"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/jetlak.app\/index.php?rest_route=\/wp\/v2\/posts\/60214","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jetlak.app\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jetlak.app\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jetlak.app\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jetlak.app\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=60214"}],"version-history":[{"count":0,"href":"https:\/\/jetlak.app\/index.php?rest_route=\/wp\/v2\/posts\/60214\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jetlak.app\/index.php?rest_route=\/wp\/v2\/media\/60174"}],"wp:attachment":[{"href":"https:\/\/jetlak.app\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=60214"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jetlak.app\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=60214"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jetlak.app\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=60214"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}