{"id":1043,"date":"2026-11-13T12:00:00","date_gmt":"2026-11-13T09:00:00","guid":{"rendered":"https:\/\/mulktakibi.com\/blog\/?p=1043"},"modified":"2026-11-13T10:04:34","modified_gmt":"2026-11-13T07:04:34","slug":"ev-alirken-konut-kredisi-cikmazsa-kapora-geri-alinir-mi","status":"publish","type":"post","link":"https:\/\/mulktakibi.com\/blog\/ev-alirken-konut-kredisi-cikmazsa-kapora-geri-alinir-mi\/","title":{"rendered":"Ev Al\u0131rken Konut Kredisi \u00c7\u0131kmazsa Kapora Geri Al\u0131n\u0131r m\u0131?"},"content":{"rendered":"\n<p><strong>Konut kredisi \u00e7\u0131kmazsa kapora geri al\u0131n\u0131r m\u0131 <\/strong>ya da ev al\u0131nmaktan vazge\u00e7ilirse kaporaya ne olur gibi sorular, ev almak isteyen ancak vazge\u00e7me ihtimali bulunun al\u0131c\u0131lar taraf\u0131ndan merak edilmektedir. Ev sat\u0131\u015f i\u015flemlerinde anla\u015fma noterde d\u00fczenlenmemi\u015fse ya da tapuda resmi \u015fekilde ger\u00e7ekle\u015fmediyse, yani kapora s\u00f6zle\u015fmesi imzalanmam\u0131\u015f veya el ile yaz\u0131lan bir senetten ibaretse anla\u015fma ge\u00e7ersiz say\u0131lmaktad\u0131r. Bu ba\u011flamda verilen kapora iade edilmektedir. Yarg\u0131tay&#8217;\u0131n uygulamalar\u0131na ister sat\u0131c\u0131 ister al\u0131c\u0131 sat\u0131\u015ftan vazge\u00e7sin, kapora sebepsiz zenginle\u015fme h\u00fck\u00fcmlerine bak\u0131larak geri talep edilmektedir.<\/p>\n\n\n\n<p>Yukar\u0131daki h\u00fck\u00fcmlere bak\u0131larak <strong>ev kaporas\u0131 geri al\u0131n\u0131r m\u0131 <\/strong>sorusunun cevab\u0131 evettir ancak duruma ba\u011fl\u0131 olarak de\u011fi\u015febilen kararlar da mevcuttur. Kapora s\u00f6zle\u015fme yap\u0131l\u0131rken taraflar\u0131n aras\u0131nda verilen bir parad\u0131r. T\u00fcrk Bor\u00e7lar Kanunu&#8217;na g\u00f6re kaporan\u0131n iki farkl\u0131 t\u00fcr\u00fc vard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cayma Paras\u0131: T\u00fcrk Bor\u00e7lar Kanunu madde 178\u2019de d\u00fczenlenene g\u00f6re taraflar kaporan\u0131n cayma paras\u0131 oldu\u011funu a\u00e7\u0131k bir \u015fekilde belirtmi\u015flerde her iki taraf da s\u00f6zle\u015fmeden vazge\u00e7ebilmektedir. Bu durumda paray\u0131 veren taraf vazge\u00e7erse verdi\u011fi paray\u0131 geri alamaz. E\u011fer paray\u0131 alan ki\u015fi vazge\u00e7erse o miktar\u0131n iki kat\u0131n\u0131 \u00f6der.<\/li>\n\n\n\n<li>Ba\u011flama Paras\u0131: T\u00fcrk Bor\u00e7lar Kanunu madde 177\u2019ye g\u00f6re s\u00f6zle\u015fme yap\u0131l\u0131rken \u00f6denen para kural olarak cayma de\u011fil, s\u00f6zle\u015fmenin yap\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6steren para olarak ge\u00e7er. S\u00f6zle\u015fmede madde yer alm\u0131yorsa ba\u011flanma paras\u0131 sat\u0131\u015f bedelinden d\u00fc\u015f\u00fcr\u00fclmekte ve geri al\u0131nabilmektedir.<\/li>\n<\/ul>\n\n\n\n<p>Kanun ba\u011flanma paras\u0131n\u0131 esas al\u0131r ve kaporan\u0131n cayma paras\u0131 oldu\u011funu s\u00f6yleyen taraf bunu kan\u0131tlamal\u0131d\u0131r. S\u00f6zle\u015fmede yer alan &#8220;kapora&#8221; s\u00f6zc\u00fc\u011f\u00fcn\u00fcn varl\u0131\u011f\u0131, tek ba\u015f\u0131na cayma paras\u0131n\u0131 i\u015faret etmemektedir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Konut Kredisi \u00c7\u0131kmazsa Ne Olur<\/h2>\n\n\n\n<p><strong>Konut kredisi \u00e7\u0131kmazsa ne olur <\/strong>sorusu, hayalindeki evi bulan ancak konut kredisinde sorun ya\u015fayan ki\u015filerin en \u00e7ok ara\u015ft\u0131rd\u0131\u011f\u0131 konulardan biridir. Bankalar genelde tek bir ifadeyle krediyi reddetse de m\u00fc\u015fteri temsilcisi arac\u0131l\u0131\u011f\u0131yla kredinin neden ret ald\u0131\u011f\u0131n\u0131 \u00f6\u011frenmek gerekir. Sorunun sizin mali durumunuzla m\u0131 yoksa almak istedi\u011finiz evin eksiklikleriyle mi alakal\u0131 oldu\u011funu \u00f6\u011frenmek gerekir.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/mulktakibi.com\/blog\/wp-content\/uploads\/2026\/11\/Konut-kredisi-cikmazsa-kapora-geri-alinir-mi-1-1024x683.jpeg\" alt=\"\" class=\"wp-image-1044\" srcset=\"https:\/\/mulktakibi.com\/blog\/wp-content\/uploads\/2026\/11\/Konut-kredisi-cikmazsa-kapora-geri-alinir-mi-1-1024x683.jpeg 1024w, https:\/\/mulktakibi.com\/blog\/wp-content\/uploads\/2026\/11\/Konut-kredisi-cikmazsa-kapora-geri-alinir-mi-1-300x200.jpeg 300w, https:\/\/mulktakibi.com\/blog\/wp-content\/uploads\/2026\/11\/Konut-kredisi-cikmazsa-kapora-geri-alinir-mi-1-768x512.jpeg 768w, https:\/\/mulktakibi.com\/blog\/wp-content\/uploads\/2026\/11\/Konut-kredisi-cikmazsa-kapora-geri-alinir-mi-1.jpeg 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Konut kredisi reddedilirse <\/strong>kredi notunu kontrol etmek ve gelir gider durumunu da g\u00f6zden ge\u00e7irmek \u00e7ok \u00f6nemlidir. Ayr\u0131ca ekspertiz raporlar\u0131 sayesinde evin iskan izninin olup olmad\u0131\u011f\u0131, hisseli tapu durumu ve kat irtifak\u0131 gibi durumlar da incelenmelidir. E\u011fer banka krediyi onaylar faka evin de\u011ferini d\u00fc\u015f\u00fck bulursa bu durumda istedi\u011finiz tutar\u0131 da alamam\u0131\u015f olabilirsiniz. B\u00f6yle bir durumda ekspertiz raporuna itiraz etme hakk\u0131 da yer almaktad\u0131r.<\/p>\n\n\n\n<p><strong>Kredi onaylanmazsa kapora <\/strong>baz\u0131 durumlar ba\u011fl\u0131 olarak iade edilir. Yani kaporan\u0131n iadesi yap\u0131lan s\u00f6zle\u015fmenin t\u00fcr\u00fcne g\u00f6re farkl\u0131l\u0131k g\u00f6sterece\u011finden kapora \u00f6denmeden \u00f6nce s\u00f6zle\u015fme maddelerine dikkat etmek gerekmektedir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kapora \u0130ade \u015eartlar\u0131<\/h2>\n\n\n\n<p><strong>Kapora iade lartlar\u0131 <\/strong>yasalar \u00e7er\u00e7evesinde belirlenmi\u015f ve uygulamada al\u0131nan kararlarla da netle\u015ftirilmi\u015ftir. T\u00fcrk Bor\u00e7lar Kanunu madde 177&#8217;ye g\u00f6re s\u00f6zle\u015fme yaparken bir taraf\u0131n verdi\u011fi bu para, cayma paras\u0131 de\u011fil de s\u00f6zle\u015fmenin kan\u0131t\u0131 niteli\u011finde ba\u011flanma paras\u0131ysa iadesi ger\u00e7ekle\u015ftirilir. Ancak cayma paras\u0131 olarak verilmi\u015fse para iadesi ger\u00e7ekle\u015ftirilmemektedir.<\/p>\n\n\n\n<p><strong>Ev al\u0131rken kapora iadesi <\/strong>\u015fartlar\u0131na dikkat etmek \u00e7ok \u00f6nemlidir. Kaporalar iki temel ba\u015fl\u0131k alt\u0131nda ele al\u0131nmaktad\u0131r.<\/p>\n\n\n\n<p>Ba\u011flanma paras\u0131 olan kaporalar\u0131n iade durumu \u015fu \u015fartlara ba\u011fl\u0131d\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Al\u0131c\u0131 evi almaktan vazge\u00e7mi\u015fse bile kanuna g\u00f6re ba\u011flanma paras\u0131 yanmaz ve as\u0131l alacaktan d\u00fc\u015f\u00fcl\u00fcr ya da iade edilir.<\/li>\n\n\n\n<li>Sat\u0131c\u0131, u\u011frad\u0131\u011f\u0131 somut bir zarar\u0131 kan\u0131tlarsa bu zarar\u0131 kaporadan mahsup edebilmektedir.<\/li>\n\n\n\n<li>Sat\u0131c\u0131 s\u00f6zle\u015fmeden vazge\u00e7erse uya da anla\u015fma yap\u0131lmazsa al\u0131nan kapora iade edilmek zorundad\u0131r.<\/li>\n<\/ul>\n\n\n\n<p>Cayma paras\u0131 olan kaporalar\u0131n iade durumu ise \u015funlard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sat\u0131c\u0131 evi satmaktan vazge\u00e7erse ald\u0131\u011f\u0131 kaporan\u0131n iki kat\u0131n\u0131 \u00f6demek zorunda kal\u0131r.<\/li>\n\n\n\n<li>Al\u0131c\u0131 nedensiz yere vazge\u00e7erse verdi\u011fi cayma paras\u0131 yanar ve geri alamaz.<\/li>\n\n\n\n<li>Cayma paras\u0131n\u0131n ispat edilmesi sat\u0131c\u0131n\u0131n y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcndedir.<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/mulktakibi.com\/blog\/miras-kalan-ev-nasil-satilir-tum-mirascilarin-onayi-gerekir-mi\/\">Miras Kalan Ev Nas\u0131l Sat\u0131l\u0131r, T\u00fcm Miras\u00e7\u0131lar\u0131n Onay\u0131 Gerekir mi?<\/a><\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Konut kredisi \u00e7\u0131kmazsa kapora geri al\u0131n\u0131r m\u0131 ya da ev al\u0131nmaktan vazge\u00e7ilirse kaporaya ne olur gibi sorular, ev almak isteyen ancak vazge\u00e7me ihtimali bulunun al\u0131c\u0131lar taraf\u0131ndan merak edilmektedir. Ev sat\u0131\u015f i\u015flemlerinde anla\u015fma noterde d\u00fczenlenmemi\u015fse ya da tapuda resmi \u015fekilde ger\u00e7ekle\u015fmediyse, yani kapora s\u00f6zle\u015fmesi imzalanmam\u0131\u015f veya el ile yaz\u0131lan bir senetten ibaretse anla\u015fma ge\u00e7ersiz say\u0131lmaktad\u0131r. Bu [&#8230;]\n","protected":false},"author":2,"featured_media":1045,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1043","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ev Al\u0131rken Konut Kredisi \u00c7\u0131kmazsa Kapora Geri Al\u0131n\u0131r m\u0131? - M\u00fclk Takibi<\/title>\n<meta name=\"description\" content=\"Konut kredisi \u00e7\u0131kmazsa kapora geri al\u0131n\u0131r m\u0131 ya da ev al\u0131nmaktan vazge\u00e7ilirse kaporaya ne olur gibi sorular, ev almak isteyen ancak vazge\u00e7me...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mulktakibi.com\/blog\/ev-alirken-konut-kredisi-cikmazsa-kapora-geri-alinir-mi\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ev Al\u0131rken Konut Kredisi \u00c7\u0131kmazsa Kapora Geri Al\u0131n\u0131r m\u0131? 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