{"id":386,"date":"2013-06-20T22:06:48","date_gmt":"2013-06-20T20:06:48","guid":{"rendered":"http:\/\/www.daksari.com\/?p=386"},"modified":"2014-06-15T18:26:43","modified_gmt":"2014-06-15T16:26:43","slug":"bank-asya-gercegi","status":"publish","type":"post","link":"https:\/\/www.daksari.com\/?p=386","title":{"rendered":"Bank Asya Ger\u00e7e\u011fi !!!"},"content":{"rendered":"<p>Merhaba Karde\u015flerim,<\/p>\n<p>Bug\u00fcn sizlere farkl\u0131 bir konuyu aktarmak istiyorum.<\/p>\n<p>2011 y\u0131l\u0131n\u0131n Temmuz ay\u0131nda ASYA KATILIM Bankas\u0131 (BANK ASYA) taraf\u0131ndan onaylanm\u0131\u015f bir projeden ev ald\u0131m ve 81.250 TL finansman deste\u011fi kulland\u0131m. \u00d6demeye ba\u015flayal\u0131 2 (iki) y\u0131l olmas\u0131na bir ay kald\u0131. \u015eubeyi arayarak kredimi kapatmak istedi\u011fim taktirde ne kadar \u00f6deyece\u011fimi sordum. Yaklas\u0131k 80.000 TL \u00f6demem gerektigini s\u00f6ylediler. Daha sonra \u00f6deme plan\u0131m\u0131 kontrol etti\u011fimde hi\u00e7bir ticari al\u0131\u015fveri\u015fte yap\u0131lamayacak t\u00fcrden bir haks\u0131zl\u0131\u011fa u\u011frad\u0131\u011f\u0131m\u0131 g\u00f6rd\u00fcm. \u00c7\u00fcnk\u00fc haz\u0131rlanan \u00f6deme plan\u0131 m\u00fc\u015fteri i\u00e7in \u00e7ok b\u00fcy\u00fck bir haks\u0131zl\u0131\u011fa yol a\u00e7makta idi. Ana para ve kar pay\u0131 da\u011f\u0131l\u0131m\u0131 \u00f6denen ayl\u0131k taksitlere e\u015fit oranda da\u011f\u0131t\u0131lmam\u0131\u015ft\u0131r, taksit art\u0131\u015flar\u0131nda kar pay\u0131 dogrusal azal\u0131rken anaparada radikal de\u011fi\u015fiklik oluyor.<\/p>\n<p>Bu sebeplerden \u00f6t\u00fcr\u00fc finansman deste\u011fi geri \u00f6deme plan\u0131mdaki kar pay\u0131 ve anapara \u00f6demelerini ba\u015ftan itibaren adil bir bi\u00e7imde da\u011f\u0131tarak yeniden d\u00fczenlenmesi talebinde bulundum. \u00d6nce m\u00fc\u015fteri hizmetlerine yazd\u0131m. Talebim reddedildi. Daha sonra elimde yaz\u0131l\u0131 bir belge olmas\u0131 sebebiyle \u015fubeye iadeli taahh\u00fctl\u00fc mektup yazarak talebimi yineledim. Ancak \u015fube de talebimi yaz\u0131l\u0131 olarak reddetti. Bankadan faiz indirimi istemedim, taksit de\u011fi\u015ftirme, vade de\u011fi\u015ftirme istemedim. Tek iste\u011fim \u00f6deme plan\u0131n\u0131n d\u00fczeltilmesi idi. Ayr\u0131ca refinansman, yani azalan faizlere g\u00f6re \u00f6deme plan\u0131n\u0131n d\u00fczeltilmesi i\u015flemini de ger\u00e7ekle\u015ftirmediler.<\/p>\n<p>Yani sizin anlayaca\u011f\u0131n\u0131z bu bankada tak\u0131ld\u0131m kald\u0131m. Bana g\u00f6re bu banka kesinlikle islami usullere uygun bir banka de\u011fildir.<\/p>\n<p>Bu yaz\u0131y\u0131 yazmamdaki ama\u00e7 ise takip\u00e7ilerimi bu konu hakk\u0131nda bilgilendirmektir.<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><a href=\"http:\/\/www.daksari.com\/?attachment_id=387\" rel=\"attachment wp-att-387\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-387\" src=\"http:\/\/www.daksari.com\/wp-content\/uploads\/2013\/06\/Odeme_Plani_Sayfa_1-300x203.jpeg\" alt=\"Odeme_Plani_Sayfa_1\" width=\"600\" height=\"400\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><a href=\"http:\/\/www.daksari.com\/?attachment_id=388\" rel=\"attachment wp-att-388\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-388\" src=\"http:\/\/www.daksari.com\/wp-content\/uploads\/2013\/06\/Odeme_Plani_Sayfa_2-217x300.jpg\" alt=\"Odeme_Plani_Sayfa_2\" width=\"600\" height=\"900\" \/><\/a><\/p>\n<div align=\"right\"><div class=\"sharexyWidgetNoindexUniqueClassName\"><div id=\"shr_79764284\"><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Merhaba Karde\u015flerim, Bug\u00fcn sizlere farkl\u0131 bir konuyu aktarmak istiyorum. 2011 y\u0131l\u0131n\u0131n Temmuz ay\u0131nda ASYA KATILIM Bankas\u0131 (BANK ASYA) taraf\u0131ndan onaylanm\u0131\u015f bir projeden ev ald\u0131m ve 81.250 TL finansman deste\u011fi kulland\u0131m.&hellip; <\/p>\n<div align=\"right\">\n<div class=\"sharexyWidgetNoindexUniqueClassName\">\n<div id=\"shr_79764284\"><\/div>\n<\/div>\n<\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,10],"tags":[173,171,172,174,178,175,180,179,176,177],"class_list":["post-386","post","type-post","status-publish","format-standard","hentry","category-dini","category-duyuru","tag-asya-katilim-bankasi","tag-bank-asya","tag-bankasya","tag-faiz","tag-faiz-indirimi","tag-karpayi","tag-konut-kredisi","tag-kredi","tag-refinansman","tag-yapilandirma"],"_links":{"self":[{"href":"https:\/\/www.daksari.com\/index.php?rest_route=\/wp\/v2\/posts\/386","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.daksari.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.daksari.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.daksari.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.daksari.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=386"}],"version-history":[{"count":4,"href":"https:\/\/www.daksari.com\/index.php?rest_route=\/wp\/v2\/posts\/386\/revisions"}],"predecessor-version":[{"id":479,"href":"https:\/\/www.daksari.com\/index.php?rest_route=\/wp\/v2\/posts\/386\/revisions\/479"}],"wp:attachment":[{"href":"https:\/\/www.daksari.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=386"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.daksari.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=386"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.daksari.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=386"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}