ANAYASA MAHKEMES\u0130 KARARI <\/p>\n
\u00a0<\/p>\n
Esas Say\u0131s\u0131 : 2025\/3<\/p>\n
Karar Say\u0131s\u0131 : 2025\/7<\/p>\n
Karar Tarihi : 16\/1\/2025<\/p>\n
R.G. Tarih – Say\u0131 : Tebli\u011f edildi.<\/p>\n
\u00a0<\/p>\n
\u0130T\u0130RAZ YOLUNA BA\u015eVURAN: \u0130neg\u00f6l 2. Asliye Hukuk Mahkemesi<\/p>\n
\u0130T\u0130RAZIN KONUSU: 21\/11\/2012 tarihli ve 6361 say\u0131l\u0131 Finansal Kiralama, Faktoring, Finansman ve Tasarruf Finansman \u015eirketleri Kanunu\u2019na 4\/3\/2021 tarihli ve 7292 say\u0131l\u0131 Kanun\u2019un 7. maddesiyle eklenen 39\/A maddesinin (4) numaral\u0131 f\u0131kras\u0131n\u0131n ikinci c\u00fcmlesinin Anayasa\u2019n\u0131n 2. ve 10. maddelerine ayk\u0131r\u0131l\u0131\u011f\u0131 ileri s\u00fcr\u00fclerek iptaline karar verilmesi talebidir.<\/p>\n
OLAY: Tasarruf finansman s\u00f6zle\u015fmesi kapsam\u0131nda \u00f6denen organizasyon \u00fccretinin iadesi talebiyle a\u00e7\u0131lan davada itiraz konusu kural\u0131n Anayasa\u2019ya ayk\u0131r\u0131 oldu\u011fu kan\u0131s\u0131na varan Mahkeme, iptali i\u00e7in ba\u015fvurmu\u015ftur.<\/p>\n
I. \u0130PTAL\u0130 \u0130STENEN KANUN H\u00dcKM\u00dc<\/p>\n
Kanun\u2019un itiraz konusu kural\u0131n da yer ald\u0131\u011f\u0131 39\/A maddesi \u015f\u00f6yledir:<\/p>\n
\u00a0\u201cTasarruf finansman s\u00f6zle\u015fmesi<\/p>\n
MADDE 39\/A- (Ek:4\/3\/2021-7292\/7 md.)<\/p>\n
\u00a0(1) Tasarruf finansman s\u00f6zle\u015fmesi, belirli bir tasarruf tutar\u0131 ve d\u00f6nemine ba\u011fl\u0131 olarak \u00f6nceden belirlenmi\u015f ko\u015fullar\u0131n ger\u00e7ekle\u015fmesi \u015fart\u0131yla konut, \u00e7at\u0131l\u0131 i\u015f yeri veya ta\u015f\u0131t edinimi i\u00e7in m\u00fc\u015fteriye finansman kullanma hakk\u0131 veren, \u015firkete ise m\u00fc\u015fteriye ait birikmi\u015f tasarruf tutar\u0131n\u0131 y\u00f6netme, geri \u00f6deme ve finansman kulland\u0131rma y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc ile organizasyon \u00fccreti alma hakk\u0131 veren, faizsiz finansman esaslar\u0131na g\u00f6re d\u00fczenlenen s\u00f6zle\u015fmedir.<\/p>\n
\u00a0(2) Tasarruf finansman s\u00f6zle\u015fmesi, yaz\u0131l\u0131 veya uzaktan ileti\u015fim ara\u00e7lar\u0131n\u0131n kullan\u0131lmas\u0131 suretiyle mesafeli olarak ya da mesafeli olsun olmas\u0131n Kurulun yaz\u0131l\u0131 \u015feklin yerine ge\u00e7ebilece\u011fini belirledi\u011fi ve bir bili\u015fim veya elektronik haberle\u015fme cihaz\u0131 \u00fczerinden ger\u00e7ekle\u015ftirilecek ve m\u00fc\u015fteri kimli\u011finin do\u011frulanmas\u0131na imk\u00e2n verecek y\u00f6ntemler yoluyla kurulacak \u015fekilde d\u00fczenlenir.<\/p>\n
\u00a0(3) M\u00fc\u015fteri, s\u00f6zle\u015fme imzalanmas\u0131n\u0131 takip eden on d\u00f6rt g\u00fcn i\u00e7inde herhangi bir gerek\u00e7e g\u00f6stermeksizin ve cezai \u015fart \u00f6demeksizin tasarruf finansman s\u00f6zle\u015fmesinden cayma hakk\u0131na sahiptir. M\u00fc\u015fterinin s\u00f6z konusu cayma hakk\u0131n\u0131 kullanmas\u0131 h\u00e2linde \u015firket, organizasyon \u00fccreti d\u00e2hil, m\u00fc\u015fteriden ald\u0131\u011f\u0131 tutar\u0131n tamam\u0131n\u0131 cayma karar\u0131n\u0131n bildirilmesinden itibaren on d\u00f6rt g\u00fcn i\u00e7inde iade etmekle y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n
\u00a0(4) M\u00fc\u015fteri, tasarruf finansman s\u00f6zle\u015fmesinin tasarruf d\u00f6nemi bitimine kadar s\u00f6zle\u015fmede fesih hakk\u0131na sahiptir. \u015eirket, m\u00fc\u015fterinin s\u00f6zle\u015fmede fesih hakk\u0131n\u0131 kullanmas\u0131 h\u00e2linde organizasyon \u00fccreti bedeli d\u0131\u015f\u0131nda kalan toplam birikim tutar\u0131n\u0131, Kurulca belirlenecek s\u00fcre i\u00e7erisinde m\u00fc\u015fteriye iade etmekle y\u00fck\u00fcml\u00fcd\u00fcr. M\u00fc\u015fterinin talebi ile tahsisat ileriki bir tarihe ertelenebilir, erteleme h\u00e2linde m\u00fc\u015fterinin s\u00f6zle\u015fmedeki hak ve y\u00fck\u00fcml\u00fcl\u00fckleri sakl\u0131 kal\u0131r. Tasarruf finansman s\u00f6zle\u015fmeleri, m\u00fc\u015fterinin s\u00f6zle\u015fme kapsam\u0131ndaki y\u00fck\u00fcml\u00fcl\u00fcklerini yerine getirmemesi durumu haricinde, \u015firket taraf\u0131ndan tek tarafl\u0131 olarak feshedilemez.<\/p>\n
\u00a0(5) Tasarruf finansman s\u00f6zle\u015fmelerinde asgari olarak tutarlara, vadeye, organizasyon \u00fccretine, gelir, maliyet ve masraflara, konut, \u00e7at\u0131l\u0131 i\u015f yeri veya ta\u015f\u0131t edinimine y\u00f6nelik tasarruf etme ve finansman kulland\u0131rma d\u00f6nem ve ko\u015fullar\u0131na, iade s\u00fcre ve \u015fartlar\u0131na, temerr\u00fcde, cayma hakk\u0131n\u0131n kullan\u0131m\u0131na, s\u00f6zle\u015fmenin sona ermesine, feshine, miras\u00e7\u0131lara intikaline, \u00fc\u00e7\u00fcnc\u00fc taraflara devrine, taraflar\u0131n hak ve y\u00fck\u00fcml\u00fcl\u00fcklerine ili\u015fkin h\u00fck\u00fcmler yer al\u0131r. \u015eirketler tasarruf finansman s\u00f6zle\u015fmeleri kapsam\u0131nda taahh\u00fct ettikleri y\u00fck\u00fcml\u00fcl\u00fckleri yerine getirmek zorundad\u0131r. S\u00f6zle\u015fme kapsam\u0131nda m\u00fc\u015fterinin bilgilendirilmesine ve bu maddenin uygulanmas\u0131na ili\u015fkin usul ve esaslar Kurulca belirlenir.\u201d<\/p>\n
II. \u0130LK \u0130NCELEME <\/p>\n
1. Anayasa Mahkemesi \u0130\u00e7t\u00fcz\u00fc\u011f\u00fc h\u00fck\u00fcmleri uyar\u0131nca yap\u0131lan ilk inceleme toplant\u0131s\u0131nda ba\u015fvuru karar\u0131 ve ekleri, Raport\u00f6r S\u00fcmeyye KOCAMAN taraf\u0131ndan haz\u0131rlanan ilk inceleme raporu ve itiraz konusu kanun h\u00fckm\u00fc okunup incelendikten sonra gere\u011fi g\u00f6r\u00fc\u015f\u00fcl\u00fcp d\u00fc\u015f\u00fcn\u00fcld\u00fc:<\/p>\n
2. 30\/3\/2011 tarihli ve 6216 say\u0131l\u0131 Anayasa Mahkemesinin Kurulu\u015fu ve Yarg\u0131lama Usulleri Hakk\u0131nda Kanun\u2019un \u201cAnayasaya ayk\u0131r\u0131l\u0131\u011f\u0131n mahkemelerce ileri s\u00fcr\u00fclmesi\u201d ba\u015fl\u0131kl\u0131 40. maddesinde Anayasa Mahkemesine itiraz yoluyla yap\u0131lacak ba\u015fvurularda izlenecek y\u00f6ntem d\u00fczenlenmi\u015ftir. S\u00f6z konusu maddenin (1) numaral\u0131 f\u0131kras\u0131nda bir davaya bakmakta olan mahkemenin bu davada uygulanacak bir kanun veya Cumhurba\u015fkanl\u0131\u011f\u0131 kararnamesinin h\u00fck\u00fcmlerini Anayasa\u2019ya ayk\u0131r\u0131 g\u00f6rmesi veya taraflardan birinin ileri s\u00fcrd\u00fc\u011f\u00fc ayk\u0131r\u0131l\u0131k iddias\u0131n\u0131n ciddi oldu\u011fu kan\u0131s\u0131na varmas\u0131 durumunda bu f\u0131krada say\u0131lan belgeleri dizi listesine ba\u011flayarak Anayasa Mahkemesine g\u00f6nderece\u011fi belirtilmi\u015f; an\u0131lan f\u0131kran\u0131n (b) bendinde \u201cBa\u015fvuru karar\u0131na ili\u015fkin tutana\u011f\u0131n onayl\u0131 \u00f6rne\u011fi\u201d Anayasa Mahkemesine g\u00f6nderilecek belgeler aras\u0131nda say\u0131lm\u0131\u015ft\u0131r. Maddenin (4) numaral\u0131 f\u0131kras\u0131nda ise y\u00f6ntemine uygun olmayan itiraz ba\u015fvurular\u0131n\u0131n Anayasa Mahkemesi taraf\u0131ndan esas incelemeye ge\u00e7ilmeksizin gerek\u00e7eleriyle reddedilece\u011fi h\u00fckme ba\u011flanm\u0131\u015ft\u0131r.<\/p>\n
3. An\u0131lan \u0130\u00e7t\u00fcz\u00fck\u2019\u00fcn 46. maddesinin (2) numaral\u0131 f\u0131kras\u0131n\u0131n (a) bendinde de \u201cBa\u015fvuru karar\u0131na ili\u015fkin tutana\u011f\u0131n onayl\u0131 \u00f6rne\u011fi\u201d Anayasa Mahkemesine sunulacak belgeler aras\u0131nda say\u0131lm\u0131\u015ft\u0131r.<\/p>\n
4. Yine \u0130\u00e7t\u00fcz\u00fck\u2019\u00fcn 49. maddesinin (1) numaral\u0131 f\u0131kras\u0131n\u0131n (b) bendinde Anayasa Mahkemesince yap\u0131lan ilk incelemede ba\u015fvuruda eksikliklerin bulundu\u011funun tespit edilmesi h\u00e2linde itiraz yoluna ili\u015fkin i\u015flerde esas incelemeye ge\u00e7ilmeksizin ba\u015fvurunun reddine karar verilece\u011fi, (2) numaral\u0131 f\u0131kras\u0131nda ise an\u0131lan (b) bendi uyar\u0131nca verilen karar\u0131n itiraz yoluna ba\u015fvuran mahkemenin eksiklikleri tamamlayarak yeniden ba\u015fvurmas\u0131na engel olmad\u0131\u011f\u0131 belirtilmi\u015ftir.<\/p>\n
5. Yap\u0131lan incelemede itiraz yoluna ba\u015fvuran Mahkeme taraf\u0131ndan ara karar\u0131 ile itiraz ba\u015fvurusunda bulunuldu\u011fu, s\u00f6z konusu belgenin gerek\u00e7eli ba\u015fvuru karar\u0131 niteli\u011finde oldu\u011fu, g\u00f6nderilen belgeler aras\u0131nda ba\u015fvuru karar\u0131na ili\u015fkin tutana\u011f\u0131n onayl\u0131 \u00f6rne\u011finin bulunmad\u0131\u011f\u0131 anla\u015f\u0131lm\u0131\u015ft\u0131r. Bu itibarla ba\u015fvurunun y\u00f6ntemine uygun olmad\u0131\u011f\u0131 sonucuna ula\u015f\u0131lm\u0131\u015ft\u0131r.<\/p>\n
6. A\u00e7\u0131klanan nedenle 6216 say\u0131l\u0131 Kanun\u2019un 40. maddesinin (1) numaral\u0131 f\u0131kras\u0131n\u0131n (b) bendi ile \u0130\u00e7t\u00fcz\u00fck\u2019\u00fcn 46. maddesinin (2) numaral\u0131 f\u0131kras\u0131n\u0131n (a) bendine ayk\u0131r\u0131 oldu\u011fu anla\u015f\u0131lan ba\u015fvurunun 6216 say\u0131l\u0131 Kanun\u2019un 40. maddesinin (4) numaral\u0131 f\u0131kras\u0131 gere\u011fince y\u00f6ntemine uygun olmad\u0131\u011f\u0131ndan reddi gerekir.<\/p>\n
7. Kald\u0131 ki Anayasa Mahkemesinin 5\/11\/2024 tarihli ve E.2024\/114, K.2024\/186 say\u0131l\u0131 karar\u0131yla itiraz konusu kuralda yer alan \u201c\u2026organizasyon \u00fccreti bedeli d\u0131\u015f\u0131nda kalan\u2026\u201d ibaresinin Anayasa\u2019ya ayk\u0131r\u0131 olmad\u0131\u011f\u0131na karar verilmi\u015f ve bu karar 31\/12\/2024 tarihli ve 32769 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanm\u0131\u015ft\u0131r. Anayasa Mahkemesince itiraz ba\u015fvurusu \u00fczerine i\u015fin esas\u0131na girilerek reddedilen ibare hakk\u0131nda yeni bir ba\u015fvurunun yap\u0131labilmesi i\u00e7in \u00f6nceki karar\u0131n Resm\u00ee Gazete\u2019de yay\u0131mland\u0131\u011f\u0131 31\/12\/2024 tarihinden ba\u015flayarak ge\u00e7mesi gereken on y\u0131ll\u0131k s\u00fcre hen\u00fcz dolmam\u0131\u015ft\u0131r.<\/p>\n
III. H\u00dcK\u00dcM<\/p>\n
21\/11\/2012 tarihli ve 6361 say\u0131l\u0131 Finansal Kiralama, Faktoring, Finansman ve Tasarruf Finansman \u015eirketleri Kanunu\u2019na 4\/3\/2021 tarihli ve 7292 say\u0131l\u0131 Kanun\u2019un 7. maddesiyle eklenen 39\/A maddesinin (4) numaral\u0131 f\u0131kras\u0131n\u0131n ikinci c\u00fcmlesinin iptaline karar verilmesi talebiyle yap\u0131lan itiraz ba\u015fvurusunun 30\/3\/2011 tarihli ve 6216 say\u0131l\u0131 Anayasa Mahkemesinin Kurulu\u015fu ve Yarg\u0131lama Usulleri Hakk\u0131nda Kanun\u2019un 40. maddesinin (4) numaral\u0131 f\u0131kras\u0131 gere\u011fince y\u00f6ntemine uygun olmad\u0131\u011f\u0131ndan REDD\u0130NE 16\/1\/2025 tarihinde OYB\u0130RL\u0130\u011e\u0130YLE karar verildi.<\/p>\n
Ba\u015fkan<\/p>\n
Kadir \u00d6ZKAYA<\/p>\n
Ba\u015fkanvekili<\/p>\n
Hasan Tahsin G\u00d6KCAN<\/p>\n
Ba\u015fkanvekili<\/p>\n
Basri BA\u011eCI<\/p>\n
\u00dcye<\/p>\n
Engin YILDIRIM<\/p>\n
\u00dcye<\/p>\n
R\u0131dvan G\u00dcLE\u00c7<\/p>\n
\u00dcye<\/p>\n
Recai AKYEL<\/p>\n
\u00dcye<\/p>\n
Yusuf \u015eevki HAKYEMEZ<\/p>\n
\u00dcye<\/p>\n
Y\u0131ld\u0131z SEFER\u0130NO\u011eLU<\/p>\n
\u00dcye<\/p>\n
Selahaddin MENTE\u015e<\/p>\n
\u00dcye<\/p>\n
\u0130rfan F\u0130DAN<\/p>\n
\u00dcye<\/p>\n
Kenan YA\u015eAR<\/p>\n
\u00dcye<\/p>\n
Muhterem \u0130NCE<\/p>\n
\u00dcye<\/p>\n
Y\u0131lmaz AK\u00c7\u0130L<\/p>\n
\u00dcye<\/p>\n
\u00d6mer \u00c7INAR<\/p>\n
\u00dcye<\/p>\n
Metin KIRATLI<\/p>\n
\u200bAnayasa Mahkemesi’nin 16\/1\/2025 tarihli, 2025\/3 esas – 2025\/7 karar say\u0131l\u0131 karar\u0131\u00a0Hukuki Haber<\/p>\n
Haberin Al\u0131nt\u0131land\u0131\u011f\u0131 Kaynak: www.hukukihaber.net<\/p>","protected":false},"excerpt":{"rendered":"
ANAYASA MAHKEMES\u0130 KARARI \u00a0 Esas Say\u0131s\u0131 : 2025\/3 Karar Say\u0131s\u0131 : 2025\/7 Karar Tarihi : 16\/1\/2025 R.G. Tarih – Say\u0131 : Tebli\u011f edildi. \u00a0 \u0130T\u0130RAZ YOLUNA BA\u015eVURAN: \u0130neg\u00f6l 2. Asliye Hukuk Mahkemesi \u0130T\u0130RAZIN KONUSU: 21\/11\/2012 tarihli ve 6361 say\u0131l\u0131 Finansal Kiralama, Faktoring, Finansman ve Tasarruf Finansman \u015eirketleri Kanunu\u2019na 4\/3\/2021 tarihli ve 7292 say\u0131l\u0131 Kanun\u2019un 7. maddesiyle eklenen 39\/A maddesinin (4) numaral\u0131 f\u0131kras\u0131n\u0131n ikinci c\u00fcmlesinin Anayasa\u2019n\u0131n 2. ve 10. maddelerine ayk\u0131r\u0131l\u0131\u011f\u0131 ileri s\u00fcr\u00fclerek iptaline karar verilmesi talebidir. OLAY: Tasarruf finansman s\u00f6zle\u015fmesi kapsam\u0131nda \u00f6denen organizasyon \u00fccretinin iadesi talebiyle a\u00e7\u0131lan davada itiraz konusu kural\u0131n Anayasa\u2019ya ayk\u0131r\u0131 oldu\u011fu kan\u0131s\u0131na varan Mahkeme, iptali i\u00e7in ba\u015fvurmu\u015ftur. I. \u0130PTAL\u0130 \u0130STENEN KANUN H\u00dcKM\u00dc Kanun\u2019un itiraz konusu kural\u0131n da yer ald\u0131\u011f\u0131 39\/A maddesi \u015f\u00f6yledir: \u00a0\u201cTasarruf finansman s\u00f6zle\u015fmesi MADDE 39\/A- (Ek:4\/3\/2021-7292\/7 md.) \u00a0(1) Tasarruf finansman s\u00f6zle\u015fmesi, belirli bir tasarruf tutar\u0131 ve d\u00f6nemine ba\u011fl\u0131 olarak \u00f6nceden belirlenmi\u015f ko\u015fullar\u0131n ger\u00e7ekle\u015fmesi \u015fart\u0131yla konut, \u00e7at\u0131l\u0131 i\u015f yeri veya ta\u015f\u0131t edinimi i\u00e7in m\u00fc\u015fteriye finansman kullanma hakk\u0131 veren, \u015firkete ise m\u00fc\u015fteriye ait birikmi\u015f tasarruf tutar\u0131n\u0131 y\u00f6netme, geri \u00f6deme ve finansman kulland\u0131rma y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc ile organizasyon \u00fccreti alma hakk\u0131 veren, faizsiz finansman esaslar\u0131na g\u00f6re d\u00fczenlenen s\u00f6zle\u015fmedir. \u00a0(2) Tasarruf finansman s\u00f6zle\u015fmesi, yaz\u0131l\u0131 veya uzaktan ileti\u015fim ara\u00e7lar\u0131n\u0131n kullan\u0131lmas\u0131 suretiyle mesafeli olarak ya da mesafeli olsun olmas\u0131n Kurulun yaz\u0131l\u0131 \u015feklin yerine …<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27],"tags":[],"class_list":["post-36157","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hukukihaber"],"acf":[],"yoast_head":"\n