TASARRUF FİNANSMAN ŞİRKETLERİNİN HUKUKİ DÜZENLEMESİNDE ‘GÜVEN’ UNSURUNUN DEĞERLENDİRİLMESİ

Year 2023, , 3 - 16, 30.06.2023

Bahriye Başaran Brooks

https://doi.org/10.55027/tfm.1165398

Abstract

Türkiye’de tasarruf finansman sistemi, dini nedenlerle faize hassasiyeti olan kişiler, faiz oranlarını yüksek bulan veya banka kredisi almaya uygun olmayan kişiler arasında daha fazla popüler olmaya başlamıştır. Türkiye'de mevcut konut kredisi finansman sistemine tek alternatif olarak 1991 yılından itibaren varlığını hissettiren bu sistemde bilhassa banka kredisine uygun olmayan gayrimenkullerin satışında kolaylık sağlanmış ve konvansiyonel yollardan taşınmaz sahibi olamayan veya olmak istemeyen kişilere konut ediniminde yeni bir finansman türü sunulmuştur. Zaman içinde sisteme olan talebin artması ve bu tür finansman firmaları ile kişiler arasındaki uyuşmazlıklardan kaynaklanan haberlerin kamuoyunda gündeme gelmesiyle birlikte deregülasyon sorunu ve bunun sonucunda ortaya çıkan firmalara ve sisteme olan güven eksikliği sistemin hukuki müdahaleyle düzenlenmesi sonucunu doğurmuştur. Mart 2021 tarihinde yapılan yasal düzenleme ile hem tüketicinin hem de sisteme olan kamu güveninin korunması ve artırılması için somut ve umut verici bir adım atılmıştır. İlgili kanuni düzenleme amacı doğrultusunda hareket ederken sadece sisteme olan kamu güveni değil, aynı zamanda iç güveni sağlayıcı diğer mekanizmaları da bünyesine dahil ederek Türk finansal ekosisteminde çeşitliliği artırmıştır.

Keywords

tasarruf finansman şirketleri, kamu güveni, dahili ve harici güven, hukuki müdahale, tüketicinin korunması

AN EXAMINATION OF THE 'TRUST' ELEMENT IN THE LEGAL REGULATION OF SAVINGS FINANCING COMPANIES

Abstract

People who are sensitive to interest for religious reasons, who find the interest rates charged by traditional lending institutions to be too excessive, or who are simply not qualified to apply for bank loans have been increasingly turning to Turkey's savings financing system. This system’s popularity has been on the rise since its appearance as the sole alternative to the pre-existing Turkish housing loan financing system in 1991 and it has particularly facilitated the sale of the real estate that is unsuitable for bank loans, and provided a new form of financing to those who cannot or do not wish to purchase real estate using traditional methods. The public's lack of trust in these companies and the system has increased along with the demand for the system over time. This has prompted the system to be regulated through legal intervention as a result of extensive media portrayals of the conflicts between these financing companies and individuals and the laws' silence on this type of financing. A significant and encouraging step has been taken to safeguard and boost public and particularly consumer confidence in the system with the legal regulation passed in March 2021. By including additional procedures to ensure internal trust in addition to public trust-inspiring devices, the pertinent legislation has increased the diversity in the Turkish financial ecosystem.

Keywords

savings financing companies, public trust, external and internal trust, legal intervention, consumer protection

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