Bir ev sat\u0131n almak istiyorsan\u0131z ancak bir konut kredisine ihtiyac\u0131n\u0131z varsa bilmeniz gereken bir\u00e7ok \u00f6nemli nokta var. Konut kredisi yard\u0131m\u0131yla ev ald\u0131\u011f\u0131n\u0131z takdirde kredi \u00e7ekti\u011finiz banka taraf\u0131ndan evinize borcunuza kar\u015f\u0131l\u0131k bir g\u00fcvence olmas\u0131 i\u00e7in ipotek konmu\u015f oluyor. T\u00fcm kredi borcunuzu kapat\u0131p ev \u00fczerindeki ipote\u011fi kald\u0131rmak istedi\u011finizde de bankaya sizin i\u00e7in bir fek yaz\u0131s\u0131 haz\u0131rlanmas\u0131 konusunda ba\u015fvuru yapman\u0131z gerekiyor. Bu blogumuzda fek yaz\u0131s\u0131 hakk\u0131nda t\u00fcm s\u00fcre\u00e7lerden bahsedece\u011fiz.<\/p>\n\n\n\n
\u00d6ncelikle size kredi veren bankan\u0131n \u015fubelerine ba\u015fvurup fek yaz\u0131s\u0131 talep etmelisiniz. Baz\u0131 bankalar bu fek yaz\u0131s\u0131n\u0131 haz\u0131rlamak i\u00e7in belirli bir miktar \u00fccret isteyebiliyor. Burada unutmaman\u0131z gereken en \u00f6nemli fakt\u00f6rlerden biri imzalad\u0131\u011f\u0131n\u0131z konut kredisi s\u00f6zle\u015fmesinde fek yaz\u0131s\u0131 ile ilgili maddede herhangi bir \u00fccret belirtilip belirtilmedi\u011fi. E\u011fer bu s\u00f6zle\u015fmede \u00fccret \u00f6demeniz gerekti\u011fine dair bir c\u00fcmle yoksa bankan\u0131z\u0131n sizden \u00fccret talep etmesine itiraz edebilirsiniz. Bunun d\u0131\u015f\u0131nda fek yaz\u0131s\u0131 haz\u0131rlan\u0131rken ek bir masraf yapman\u0131z gibi bir durum s\u00f6z konusu olmuyor.<\/p>\n\n\n\n
Bir gayrimenkul \u00fczerindeki ipote\u011fin kald\u0131r\u0131lmas\u0131 i\u00e7in haz\u0131rlanacak fek yaz\u0131s\u0131n\u0131 alabilmek i\u00e7in ilk olarak bankaya teslim etmeniz gereken baz\u0131 evrak ve belgeler var:<\/p>\n\n\n\n
T\u00fcm evraklar\u0131 eksiksiz \u015fekilde teslim etti\u011finiz ve kredi borcunuzu tamamen kapatt\u0131\u011f\u0131n\u0131z zaman ad\u0131n\u0131za bir fek yaz\u0131s\u0131 haz\u0131rlanarak evinizdeki ipote\u011fin kald\u0131r\u0131lmas\u0131n\u0131n \u00f6n\u00fcnde hi\u00e7bir engel kalm\u0131yor. Bu noktadan sonra yap\u0131lmas\u0131 gereken tek \u015fey haz\u0131rlanan fek yaz\u0131s\u0131n\u0131 noterde onaylatmak ve en ge\u00e7 bir y\u0131l i\u00e7erisinde Tapu ve Kadastro Genel M\u00fcd\u00fcrl\u00fc\u011f\u00fc<\/a>\u2019nde sicile i\u015fletmek. Daha sonra Tapu ve Kadastro Genel M\u00fcd\u00fcrl\u00fc\u011f\u00fc\u2019nde ipote\u011finiz fek ediliyor ve konutunuz resmi olarak tamamen size ait olmu\u015f oluyor. Bir ev sat\u0131n almak istiyorsan\u0131z ancak bir konut kredisine ihtiyac\u0131n\u0131z varsa bilmeniz gereken bir\u00e7ok \u00f6nemli nokta var. Konut kredisi yard\u0131m\u0131yla […]<\/p>\n","protected":false},"author":1,"featured_media":91318,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[447,646],"tags":[],"_links":{"self":[{"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/posts\/18328"}],"collection":[{"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/comments?post=18328"}],"version-history":[{"count":1,"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/posts\/18328\/revisions"}],"predecessor-version":[{"id":18331,"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/posts\/18328\/revisions\/18331"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/media\/91318"}],"wp:attachment":[{"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/media?parent=18328"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/categories?post=18328"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/tags?post=18328"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Fek yaz\u0131s\u0131yla ilgili bilmeniz gerekenler k\u0131saca bu \u015fekilde. Gayrimenkul ve emlak yat\u0131r\u0131m\u0131 hakk\u0131ndaki t\u00fcm hukuki s\u00fcre\u00e7lerinizi m\u00fcmk\u00fcnse profesyonellerden yard\u0131m alarak y\u00fcr\u00fctmenizi \u00f6neririz. Ev ipote\u011fi veya ipotekli bir ev sat\u0131n almak konusunda daha fazla bilgi almak isterseniz \u0130potekli Ev Al\u0131m-Sat\u0131m\u0131 Hakk\u0131nda \u00d6nemli Noktalar<\/a> adl\u0131 blog yaz\u0131m\u0131za da g\u00f6z atabilirsiniz.<\/p>\n","protected":false},"excerpt":{"rendered":"