{"id":55510,"date":"2018-01-31T12:02:52","date_gmt":"2018-01-31T11:02:52","guid":{"rendered":"https:\/\/www.nzp.de\/?p=55510"},"modified":"2026-08-07T12:09:53","modified_gmt":"2026-08-07T10:09:53","slug":"slovenian-supreme-court-a-chf-loan-is-void-in-cases-of-inadequate-risk-disclosure","status":"publish","type":"post","link":"https:\/\/www.nzp.de\/tr\/slovenya-yuksek-mahkemesi-risklerin-yeterince-aciklanmadigi-durumlarda-chf-cinsinden-kredinin-gecersiz-olduguna-hukmetti\/","title":{"rendered":"Slovenya Y\u00fcksek Mahkemesi: Risklerin Yeterince A\u00e7\u0131klanmad\u0131\u011f\u0131 Durumlarda \u0130svi\u00e7re Frang\u0131 Cinsinden Kredi S\u00f6zle\u015fmesi Ge\u00e7ersizdir"},"content":{"rendered":"

D\u00f6viz kredilerinden zarar g\u00f6ren Macar t\u00fcketicileri ilgilendiren bir\u00e7ok davada, Macar mahkemeleri ilgili s\u00f6zle\u015fmelerin yaln\u0131zca k\u0131smen ge\u00e7ersiz oldu\u011funa h\u00fckmetme e\u011filiminde olmu\u015ftur. Benzer \u015fekilde, Macaristan Y\u00fcksek Mahkemesinin (K\u00faria<\/em>) baz\u0131 kararlar\u0131na dayan\u0131larak, kanaatimizce son derece yetersiz ve belirsiz \u015fekilde kaleme al\u0131nm\u0131\u015f bu de\u011ferlendirmelere ra\u011fmen, mahkemeler incelemelerini \u00e7o\u011fu zaman risk bilgilendirmesinin yaln\u0131zca \u015feklen mevcut olup olmad\u0131\u011f\u0131yla s\u0131n\u0131rlamaktad\u0131r.<\/p>\n

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Y\u0131llard\u0131r \u00e7ok say\u0131da davada bu yakla\u015f\u0131m\u0131n hatal\u0131 oldu\u011funu savunduk ve bir\u00e7ok kez ba\u015far\u0131l\u0131 sonu\u00e7lar elde ettik. 93\/13\/EEC say\u0131l\u0131 Direktifin gereklilikleri nedeniyle, benzer maddi olgulara uygulanan hukuki \u00e7er\u00e7evenin Avrupa hukuk sistemlerinde b\u00fcy\u00fck \u00f6l\u00e7\u00fcde ayn\u0131 oldu\u011funu defalarca vurgulad\u0131k. Bu nedenle, di\u011fer \u00fclkelerde geli\u015fen i\u00e7tihad\u0131n da dikkate al\u0131nmas\u0131 yararl\u0131 olacakt\u0131r.<\/p>\n

Benzer bir davada Slovenya Y\u00fcksek Mahkemesi k\u0131sa s\u00fcre \u00f6nce d\u00f6viz kredisi kullanan bor\u00e7lular lehine karar vermi\u015f ve b\u00fcromuzun y\u0131llard\u0131r ileri s\u00fcrd\u00fc\u011f\u00fc arg\u00fcmanlarla ayn\u0131 do\u011frultuda, \u0130svi\u00e7re frang\u0131 (CHF) cinsinden bir t\u00fcketici kredisi s\u00f6zle\u015fmesinin tamamen ge\u00e7ersiz oldu\u011funa h\u00fckmetmi\u015ftir. Ocak 2018\u2019de verilen bu karar Macar bas\u0131n\u0131nda da yer alm\u0131\u015ft\u0131r.<\/p>\n

Karar\u0131n yaz\u0131l\u0131 gerek\u00e7esinin tamam\u0131 hen\u00fcz yay\u0131mlanmam\u0131\u015f olmakla birlikte, H\u0131rvat\u00e7a yay\u0131mlanan bir bas\u0131n a\u00e7\u0131klamas\u0131ndan hareketle Mahkemenin s\u00f6zl\u00fc gerek\u00e7esinin temel noktalar\u0131n\u0131 a\u015fa\u011f\u0131da \u00f6zetliyoruz.<\/p>\n

Mahkemenin \u00d6nemli Bulgular\u0131<\/h2>\n

Mahkeme, CHF kredilerinin s\u0131radan kredi \u00fcr\u00fcnleri olmad\u0131\u011f\u0131, \u00f6nemli riskler ta\u015f\u0131yan finansal \u00fcr\u00fcnler oldu\u011fu ve bankalar\u0131n bu t\u00fcr kredi s\u00f6zle\u015fmelerinin i\u00e7erdi\u011fi riskler konusunda t\u00fcketicileri yeterince bilgilendirmedi\u011fi sonucuna varm\u0131\u015ft\u0131r.<\/p>\n

Kararda, Avrupa Birli\u011fi Adalet Divan\u0131n\u0131n C-186\/16 say\u0131l\u0131 davada ortaya koydu\u011fu \u015fartlar\u0131n yerine getirilmedi\u011fi belirtilmi\u015ftir. Mahkeme \u00f6zellikle a\u015fa\u011f\u0131daki hususlara dikkat \u00e7ekmi\u015ftir:<\/p>\n

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  • \u0130svi\u00e7re frang\u0131na (CHF) ili\u015fkin s\u00f6zle\u015fme h\u00fck\u00fcmleri dilbilgisi a\u00e7\u0131s\u0131ndan a\u00e7\u0131k olsa da t\u00fcketicilerin sonu\u00e7lar\u0131n\u0131 anlayabilece\u011fi \u00f6l\u00e7\u00fcde a\u00e7\u0131k ve anla\u015f\u0131l\u0131r \u015fekilde a\u00e7\u0131klanmam\u0131\u015ft\u0131r. T\u00fcketicilere ilgili mekanizmalar\u0131n nas\u0131l i\u015fledi\u011fi, bunlar\u0131 hangi fakt\u00f6rlerin etkileyebilece\u011fi veya gelecekte hangi geli\u015fmelerin CHF d\u00f6viz kurunu etkileyebilece\u011fi konusunda bilgi verilmemi\u015ftir. Bu nedenle t\u00fcketicilerin s\u00f6z konusu riskleri makul \u015fekilde \u00f6ng\u00f6rebilmeleri m\u00fcmk\u00fcn olmam\u0131\u015ft\u0131r.<\/li>\n
  • CHF kredileri s\u0131radan krediler de\u011fil, d\u00f6viz (FOREX) piyasas\u0131yla do\u011frudan ba\u011flant\u0131l\u0131 finansal \u00fcr\u00fcnlerdir. Bu nedenle t\u00fcketicilerin bu \u00f6zellik konusunda \u00f6zellikle bilgilendirilmesi gerekirdi.<\/li>\n
  • Bankalar\u0131n, avronun \u00f6nemli \u00f6l\u00e7\u00fcde de\u011fer kaybetmesinin t\u00fcketicinin \u00f6denmemi\u015f borcunu nas\u0131l etkileyebilece\u011fini ve ayl\u0131k geri \u00f6deme y\u00fck\u00fcml\u00fcl\u00fcklerini nas\u0131l art\u0131rabilece\u011fini ayr\u0131nt\u0131l\u0131 \u015fekilde a\u00e7\u0131klamas\u0131 gerekirdi.<\/li>\n
  • Bu \u00fcr\u00fcnlerin s\u0131radan konut kredileri de\u011fil, karma\u015f\u0131k finansal ara\u00e7lar oldu\u011fu dikkate al\u0131nd\u0131\u011f\u0131nda, t\u00fcketicilere bu \u00fcr\u00fcnler konusunda gerekli uzmanl\u0131\u011fa sahip, \u00f6zel olarak nitelendirilmi\u015f dan\u0131\u015fmanlar taraf\u0131ndan dan\u0131\u015fmanl\u0131k verilmesi gerekirdi.<\/li>\n
  • Bankalar, t\u00fcketicilere d\u00f6viz riskini ortadan kald\u0131rabilecek veya azaltabilecek herhangi bir \u00fcr\u00fcn sunmazken kendileri bu risklere kar\u015f\u0131 tamamen korunmu\u015f durumdayd\u0131.<\/li>\n
  • Bankalar, t\u00fcketicilerin genellikle \u0130svi\u00e7re frang\u0131 cinsinden gelir elde etmediklerini ve i\u015flemlere spek\u00fclatif kazan\u00e7 elde etmek isteyen yat\u0131r\u0131mc\u0131lar olarak girmediklerini biliyordu. T\u00fcketiciler bu kredileri esas olarak daha d\u00fc\u015f\u00fck faiz oranlar\u0131 nedeniyle tercih etmi\u015flerdi.<\/li>\n
  • Son olarak bankalar, avronun de\u011fer kaybetmesi sonucunda t\u00fcketicilerin kredi de\u011ferlili\u011finin bozulmas\u0131n\u0131n, t\u00fcketicilerin kar\u015f\u0131layamayaca\u011f\u0131 sonu\u00e7lar do\u011furabilece\u011finin fark\u0131ndayd\u0131.<\/li>\n<\/ul>\n

    Karar\u0131n gerek\u00e7esinde ayr\u0131ca Mahkemenin, bu sonu\u00e7lara ula\u015f\u0131rken \u0130spanya ve Almanya\u2019daki y\u00fcksek mahkemeler taraf\u0131ndan benzer konularda verilen kararlar\u0131 da dikkate ald\u0131\u011f\u0131 a\u00e7\u0131k\u00e7a belirtilmi\u015ftir.<\/p>\n

    Yaz\u0131l\u0131 gerek\u00e7enin tam metni elimize ula\u015f\u0131r ula\u015fmaz, karara ili\u015fkin ayr\u0131nt\u0131l\u0131 de\u011ferlendirmemizi en k\u0131sa s\u00fcrede yay\u0131mlayaca\u011f\u0131z.<\/p>\n

    Karar ve hukuki sonu\u00e7lar\u0131na ili\u015fkin sorular\u0131n\u0131z veya hukuki dan\u0131\u015fmanl\u0131k talepleriniz i\u00e7in ekibimizle ileti\u015fime ge\u00e7ebilirsiniz.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

    In a considerable number of court cases affecting Hungarian victims of foreign-currency loans, Hungarian courts have tended to find only partial invalidity of the underlying agreements. Likewise, relying on certain Supreme Court (K\u00faria) opinions that are, in our view, highly unprofessional and ambiguously drafted, courts often limit their examination to the mere formal existence of […]<\/p>\n","protected":false},"author":32,"featured_media":55513,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[139],"tags":[],"class_list":["post-55510","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t