{"status":true,"post":{"id":71284,"user_id":29,"status":1,"type":1,"orde":null,"notification_type":0,"static_post":0,"published_at":"2025-07-25 09:26:00","created_at":"2025-07-25T06:26:00.000000Z","updated_at":"2025-07-25T06:26:00.000000Z","edited_at":"2025-07-25 09:26:00","source_id":null,"post_id":71284,"is_featured":0,"title":"Emekli maa\u015f\u0131na bloke m\u00fcmk\u00fcn hale geliyor","slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"home_title":"Emekli maa\u015f\u0131na bloke m\u00fcmk\u00fcn hale geliyor","sub_title":null,"category_id":73,"description":null,"content":"<p id=\"isPasted\"><strong>17 Temmuz 2025 tarihli ve 32958 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131mlanan Yarg\u0131tay \u0130\u00e7tihad\u0131 Birle\u015ftirme Karar\u0131 ile emekli maa\u015flar\u0131na y\u00f6nelik kredi borcu tahsil y\u00f6ntemleri konusunda uzun s\u00fcredir s\u00fcregelen belirsizlik sona erdi. Bu \u00f6nemli kararla birlikte, t\u00fcketicinin a\u00e7\u0131k ve yaz\u0131l\u0131 talimat\u0131 olmas\u0131 halinde, bankalar emekli maa\u015f\u0131n\u0131n yat\u0131r\u0131ld\u0131\u011f\u0131 hesaba kredi bor\u00e7lar\u0131 bak\u0131m\u0131ndan mahsup ya da bloke i\u015flemi yapabilecek.<\/strong><\/p><p><br><\/p><p>Bilindi\u011fi \u00fczere, emekli maa\u015flar\u0131 genel kural olarak haczedilemez. Bu koruma, emeklilerin ge\u00e7im g\u00fcvencesinin korunmas\u0131 amac\u0131yla getirilmi\u015f olup yaln\u0131zca nafaka bor\u00e7lar\u0131 ve SGK prim bor\u00e7lar\u0131 i\u00e7in istisna tan\u0131nm\u0131\u015ft\u0131r. \u00dcstelik emekli maa\u015f\u0131na haciz konulmas\u0131na ili\u015fkin \u00f6nceden verilen r\u0131zalar da ge\u00e7ersiz say\u0131l\u0131yor.<\/p><p><br><\/p><p>Ancak Yarg\u0131tay\u2019\u0131n 2025 tarihli bu yeni karar\u0131yla bu kat\u0131 yakla\u015f\u0131m belirli bir \u00f6l\u00e7\u00fcde esnetildi. Emeklinin kredi s\u00f6zle\u015fmesinde a\u00e7\u0131k ve yaz\u0131l\u0131 \u015fekilde verdi\u011fi talimat do\u011frultusunda, bankalar\u0131n emekli maa\u015flar\u0131ndan do\u011frudan kesinti yapmas\u0131n\u0131n \u00f6n\u00fcnde art\u0131k hukuki bir engel kalmam\u0131\u015f oldu. Bu durum, Anayasa\u2019n\u0131n s\u00f6zle\u015fme \u00f6zg\u00fcrl\u00fc\u011f\u00fc ilkesine dayan\u0131larak me\u015fru kabul edilmi\u015ftir.<\/p><p><br><\/p><p>Yarg\u0131tay karar\u0131nda bu konuda temel bir ayr\u0131m yap\u0131lm\u0131\u015f olup emekli maa\u015flar\u0131n\u0131n cebri icra yoluyla haczedilmesi kesinlikle yasakt\u0131r. Hatta \u00f6nceden verilmi\u015f r\u0131za beyanlar\u0131 dahi bu yasa\u011f\u0131 ortadan kald\u0131rmaz.<\/p><p><br><\/p><p>Buna kar\u015f\u0131l\u0131k, emeklinin kredi s\u00f6zle\u015fmesi s\u0131ras\u0131nda verdi\u011fi yaz\u0131l\u0131 ve a\u00e7\u0131k mahsup veya virman talimat\u0131, cebri icra kapsam\u0131nda de\u011ferlendirilmeyip tamamen bor\u00e7lunun r\u0131zas\u0131na dayal\u0131 bir \u00f6deme y\u00f6ntemi olarak kabul edilmi\u015ftir.<\/p><p><br><\/p><p>Bu sayede, s\u00f6zle\u015fme \u00f6zg\u00fcrl\u00fc\u011f\u00fc korunurken, emekli maa\u015flar\u0131n\u0131n korumas\u0131 alt\u0131ndaki \u2018haczedilmezlik ilkesi\u2019 de daralt\u0131lmadan yerinde b\u0131rak\u0131lm\u0131\u015ft\u0131r.<\/p><p><br><\/p><p><strong><em>Yarg\u0131tay, bu r\u0131zan\u0131n ge\u00e7erli olabilmesi i\u00e7in \u00fc\u00e7 \u00f6nemli kriterin bulunmas\u0131n\u0131 \u015fart ko\u015ftu. Bunlar:<\/em><\/strong><\/p><p>1. A\u00e7\u0131k ve bilin\u00e7li r\u0131za: Emekli, maa\u015f\u0131ndan kesinti yap\u0131laca\u011f\u0131n\u0131 bilerek ve isteyerek kabul etmi\u015f olmal\u0131.<\/p><p><br><\/p><p>2. Yaz\u0131l\u0131 talimat: R\u0131za, yaz\u0131l\u0131 bir s\u00f6zle\u015fme h\u00fckm\u00fc veya bankaya verilen somut bir talimatla belgelenmi\u015f olmal\u0131.<\/p><p><br><\/p><p>3. Bor\u00e7la s\u0131n\u0131rl\u0131l\u0131k: Talimat, yaln\u0131zca ilgili kredi borcunu kapsamal\u0131; ba\u015fka alacaklara geni\u015fletilmemeli.<\/p><p><br><\/p><p>Bu kararla birlikte emeklilerin, kredi s\u00f6zle\u015fmesi imzalarken veya bankaya verecekleri her t\u00fcrl\u00fc talimatta dikkatli olmalar\u0131 b\u00fcy\u00fck \u00f6nem ta\u015f\u0131yor. \u0130leride maa\u015flar\u0131ndan kesinti yap\u0131lmas\u0131n\u0131 istemeyen emeklilerin, s\u00f6zle\u015fmelerde bu y\u00f6nde h\u00fck\u00fcm bulunup bulunmad\u0131\u011f\u0131n\u0131 mutlaka kontrol etmeleri gerekiyor.<\/p><p><br><\/p>","slug":"emekli-maasina-bloke-mumkun-hale-geliyor","tags":null,"meta_title":"Emekli maa\u015f\u0131na bloke m\u00fcmk\u00fcn hale geliyor","meta_description":"17 Temmuz 2025 tarihli ve 32958 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131mlanan Yarg\u0131tay \u0130\u00e7tihad\u0131 Birle\u015ftirme Karar\u0131 ile emekli maa\u015flar\u0131na y\u00f6nelik kredi borcu tahsil y\u00f6ntemleri konusunda uzun s\u00fcredir s\u00fcregelen belirsizlik sona erdi. Bu \u00f6nemli kararla birlikte, t\u00fcketicinin a\u00e7\u0131k ve yaz\u0131l\u0131 talimat\u0131 olmas\u0131 halinde, bankalar emekli maa\u015f\u0131n\u0131n yat\u0131r\u0131ld\u0131\u011f\u0131 hesaba kredi bor\u00e7lar\u0131 bak\u0131m\u0131ndan mahsup ya da bloke i\u015flemi yapabilecek.","meta_keywords":null,"news_cover_min":"\/front\/uploads\/blog\/thumbnail\/17533908002KfwH0alAEqhocB.webp","news_cover":null,"news_video_min":null,"news_video":null,"view_count":0,"cropped_1200x675":"\/front\/uploads\/haber\/1200x675\/emekli-maasina-bloke-mumkun-hale-geliyor_1200x675_Kp47CjBloq.webp","user":{"id":29,"name":"MUHAMMET","surname":"AKSAN","email":"av-muhammet-aksan@gmail.com","slug":"av-muhammet-aksan","avatar":"\/front\/uploads\/avatar\/1733691600IewiFiiT1aT8ZK3.webp","status":1,"role":1,"email_verified_at":null,"orde":null,"created_at":"2022-10-24T10:51:30.000000Z","updated_at":"2024-12-18T09:45:38.000000Z","seo_title":null,"seo_description":null},"translations":[{"id":71416,"is_featured":0,"is_amp":0,"is_ads":0,"ads_link":null,"post_id":71284,"locale":"tr","category_id":73,"title":"Emekli maa\u015f\u0131na bloke m\u00fcmk\u00fcn hale geliyor","home_title":"Emekli maa\u015f\u0131na bloke m\u00fcmk\u00fcn hale geliyor","sub_title":null,"slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"subtitleuse":0,"description":null,"content":"<p id=\"isPasted\"><strong>17 Temmuz 2025 tarihli ve 32958 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131mlanan Yarg\u0131tay \u0130\u00e7tihad\u0131 Birle\u015ftirme Karar\u0131 ile emekli maa\u015flar\u0131na y\u00f6nelik kredi borcu tahsil y\u00f6ntemleri konusunda uzun s\u00fcredir s\u00fcregelen belirsizlik sona erdi. Bu \u00f6nemli kararla birlikte, t\u00fcketicinin a\u00e7\u0131k ve yaz\u0131l\u0131 talimat\u0131 olmas\u0131 halinde, bankalar emekli maa\u015f\u0131n\u0131n yat\u0131r\u0131ld\u0131\u011f\u0131 hesaba kredi bor\u00e7lar\u0131 bak\u0131m\u0131ndan mahsup ya da bloke i\u015flemi yapabilecek.<\/strong><\/p><p><br><\/p><p>Bilindi\u011fi \u00fczere, emekli maa\u015flar\u0131 genel kural olarak haczedilemez. Bu koruma, emeklilerin ge\u00e7im g\u00fcvencesinin korunmas\u0131 amac\u0131yla getirilmi\u015f olup yaln\u0131zca nafaka bor\u00e7lar\u0131 ve SGK prim bor\u00e7lar\u0131 i\u00e7in istisna tan\u0131nm\u0131\u015ft\u0131r. \u00dcstelik emekli maa\u015f\u0131na haciz konulmas\u0131na ili\u015fkin \u00f6nceden verilen r\u0131zalar da ge\u00e7ersiz say\u0131l\u0131yor.<\/p><p><br><\/p><p>Ancak Yarg\u0131tay\u2019\u0131n 2025 tarihli bu yeni karar\u0131yla bu kat\u0131 yakla\u015f\u0131m belirli bir \u00f6l\u00e7\u00fcde esnetildi. Emeklinin kredi s\u00f6zle\u015fmesinde a\u00e7\u0131k ve yaz\u0131l\u0131 \u015fekilde verdi\u011fi talimat do\u011frultusunda, bankalar\u0131n emekli maa\u015flar\u0131ndan do\u011frudan kesinti yapmas\u0131n\u0131n \u00f6n\u00fcnde art\u0131k hukuki bir engel kalmam\u0131\u015f oldu. Bu durum, Anayasa\u2019n\u0131n s\u00f6zle\u015fme \u00f6zg\u00fcrl\u00fc\u011f\u00fc ilkesine dayan\u0131larak me\u015fru kabul edilmi\u015ftir.<\/p><p><br><\/p><p>Yarg\u0131tay karar\u0131nda bu konuda temel bir ayr\u0131m yap\u0131lm\u0131\u015f olup emekli maa\u015flar\u0131n\u0131n cebri icra yoluyla haczedilmesi kesinlikle yasakt\u0131r. Hatta \u00f6nceden verilmi\u015f r\u0131za beyanlar\u0131 dahi bu yasa\u011f\u0131 ortadan kald\u0131rmaz.<\/p><p><br><\/p><p>Buna kar\u015f\u0131l\u0131k, emeklinin kredi s\u00f6zle\u015fmesi s\u0131ras\u0131nda verdi\u011fi yaz\u0131l\u0131 ve a\u00e7\u0131k mahsup veya virman talimat\u0131, cebri icra kapsam\u0131nda de\u011ferlendirilmeyip tamamen bor\u00e7lunun r\u0131zas\u0131na dayal\u0131 bir \u00f6deme y\u00f6ntemi olarak kabul edilmi\u015ftir.<\/p><p><br><\/p><p>Bu sayede, s\u00f6zle\u015fme \u00f6zg\u00fcrl\u00fc\u011f\u00fc korunurken, emekli maa\u015flar\u0131n\u0131n korumas\u0131 alt\u0131ndaki \u2018haczedilmezlik ilkesi\u2019 de daralt\u0131lmadan yerinde b\u0131rak\u0131lm\u0131\u015ft\u0131r.<\/p><p><br><\/p><p><strong><em>Yarg\u0131tay, bu r\u0131zan\u0131n ge\u00e7erli olabilmesi i\u00e7in \u00fc\u00e7 \u00f6nemli kriterin bulunmas\u0131n\u0131 \u015fart ko\u015ftu. Bunlar:<\/em><\/strong><\/p><p>1. A\u00e7\u0131k ve bilin\u00e7li r\u0131za: Emekli, maa\u015f\u0131ndan kesinti yap\u0131laca\u011f\u0131n\u0131 bilerek ve isteyerek kabul etmi\u015f olmal\u0131.<\/p><p><br><\/p><p>2. Yaz\u0131l\u0131 talimat: R\u0131za, yaz\u0131l\u0131 bir s\u00f6zle\u015fme h\u00fckm\u00fc veya bankaya verilen somut bir talimatla belgelenmi\u015f olmal\u0131.<\/p><p><br><\/p><p>3. Bor\u00e7la s\u0131n\u0131rl\u0131l\u0131k: Talimat, yaln\u0131zca ilgili kredi borcunu kapsamal\u0131; ba\u015fka alacaklara geni\u015fletilmemeli.<\/p><p><br><\/p><p>Bu kararla birlikte emeklilerin, kredi s\u00f6zle\u015fmesi imzalarken veya bankaya verecekleri her t\u00fcrl\u00fc talimatta dikkatli olmalar\u0131 b\u00fcy\u00fck \u00f6nem ta\u015f\u0131yor. \u0130leride maa\u015flar\u0131ndan kesinti yap\u0131lmas\u0131n\u0131 istemeyen emeklilerin, s\u00f6zle\u015fmelerde bu y\u00f6nde h\u00fck\u00fcm bulunup bulunmad\u0131\u011f\u0131n\u0131 mutlaka kontrol etmeleri gerekiyor.<\/p><p><br><\/p>","slug":"emekli-maasina-bloke-mumkun-hale-geliyor","orjinalimage":"\/front\/uploads\/blog\/thumbnail\/17533908002KfwH0alAEqhocB.webp","news_cover_min":"\/front\/uploads\/blog\/thumbnail\/17533908002KfwH0alAEqhocB.webp","news_cover":null,"news_video_min":null,"news_video":null,"cropped_638x552":"\/front\/uploads\/haber\/638x552\/emekli-maasina-bloke-mumkun-hale-geliyor_638x552_RRao8uO9TM.webp","cropped_310x208":"\/front\/uploads\/haber\/310x208\/emekli-maasina-bloke-mumkun-hale-geliyor_310x208_pGdFKKAkzK.webp","cropped_416x247":"\/front\/uploads\/haber\/416x247\/emekli-maasina-bloke-mumkun-hale-geliyor_416x247_4PL1nqKmjj.webp","cropped_197x247":"\/front\/uploads\/haber\/197x247\/emekli-maasina-bloke-mumkun-hale-geliyor_197x247_kSF4lHOMm4.webp","cropped_416x600":"\/front\/uploads\/haber\/416x600\/emekli-maasina-bloke-mumkun-hale-geliyor_416x600_wsGIn1kOiG.webp","cropped_1200x675":"\/front\/uploads\/haber\/1200x675\/emekli-maasina-bloke-mumkun-hale-geliyor_1200x675_Kp47CjBloq.webp","tags":null,"meta_title":"Emekli maa\u015f\u0131na bloke m\u00fcmk\u00fcn hale geliyor","meta_description":"17 Temmuz 2025 tarihli ve 32958 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131mlanan Yarg\u0131tay \u0130\u00e7tihad\u0131 Birle\u015ftirme Karar\u0131 ile emekli maa\u015flar\u0131na y\u00f6nelik kredi borcu tahsil y\u00f6ntemleri konusunda uzun s\u00fcredir s\u00fcregelen belirsizlik sona erdi. Bu \u00f6nemli kararla birlikte, t\u00fcketicinin a\u00e7\u0131k ve yaz\u0131l\u0131 talimat\u0131 olmas\u0131 halinde, bankalar emekli maa\u015f\u0131n\u0131n yat\u0131r\u0131ld\u0131\u011f\u0131 hesaba kredi bor\u00e7lar\u0131 bak\u0131m\u0131ndan mahsup ya da bloke i\u015flemi yapabilecek.","meta_keywords":null,"view_count":0,"yt":0,"ytid":"","ytimage":null,"imgdate":"2000-01-01 00:00:00","cuff_cover":null,"cropped_358x214":"\/front\/uploads\/haber\/358x214\/emekli-maasina-bloke-mumkun-hale-geliyor_358x214_zj0UeUQ7Id.webp","cropped_842x474":"\/front\/uploads\/haber\/842x474\/emekli-maasina-bloke-mumkun-hale-geliyor_842x474_orP9ZN8Mlh.webp"}]}}