{"id":4689,"date":"2025-07-09T18:11:55","date_gmt":"2025-07-09T16:11:55","guid":{"rendered":"https:\/\/ra-cocron.de\/news\/nichtabnahmeentschaedigung-bei-darlehen-schadensersatz-moeglich-das-sollten-betroffene-wissen\/"},"modified":"2026-10-29T07:40:01","modified_gmt":"2026-10-29T06:40:01","slug":"nichtabnahmeentschaedigung-bei-darlehen-schadensersatz-moeglich-das-sollten-betroffene-wissen","status":"publish","type":"news","link":"https:\/\/ra-cocron.de\/tr\/news\/nichtabnahmeentschaedigung-bei-darlehen-schadensersatz-moeglich-das-sollten-betroffene-wissen\/","title":{"rendered":"Kredilerde kabul edilmeme tazminat\u0131: Tazminat m\u00fcmk\u00fcn \u2013 etkilenenlerin bilmesi gerekenler."},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>BGH-Urteil schafft Klarheit: Darlehensnehmer erhalten mehr Schutz<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Federal Y\u00fcksek Mahkemesi (BGH), 20 \u015eubat 2025 tarihli karar\u0131yla (Dava No. I ZR 122\/23), kredi arac\u0131 kurumlar\u0131n\u0131n bilgi y\u00fck\u00fcml\u00fcl\u00fcklerini \u00f6nemli \u00f6l\u00e7\u00fcde s\u0131k\u0131la\u015ft\u0131rm\u0131\u015ft\u0131r. Bir arac\u0131n\u0131n tavsiyesi \u00fczerine erken bir a\u015famada konut kredisi s\u00f6zle\u015fmesi imzalayan ve daha sonra s\u00f6zde kabul edilmeme tazminat\u0131 \u00f6demek zorunda kalan ki\u015filer, belirli ko\u015fullar alt\u0131nda tazminat talep etme hakk\u0131na sahip olabilir. Bu karar \u00fclke genelinde binlerce bor\u00e7luyu etkiliyor ve \u00f6denen tutarlar\u0131 geri alma konusunda yeni olanaklar sunuyor.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Was genau ist eine Nichtabnahmeentsch\u00e4digung?<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Kredi reddi cezas\u0131, \u00f6rne\u011fin gayrimenkul i\u015flemi ger\u00e7ekle\u015fmedi\u011fi i\u00e7in, halihaz\u0131rda sonu\u00e7lanm\u0131\u015f bir kredi s\u00f6zle\u015fmesinin \u00f6denmemesi durumunda bankalar\u0131n talep etti\u011fi bir ceza \u00f6demesidir. Mevcut bir kredinin erken \u00f6denmesi durumunda uygulanan erken \u00f6deme cezas\u0131na kar\u015f\u0131l\u0131k, kabul etmeme cezas\u0131, kredinin ba\u015ftan itibaren kullan\u0131lmamas\u0131 durumunu ifade eder. Bu durumdan etkilenenler i\u00e7in mali sonu\u00e7lar ciddi olabilir.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Der Fall vor dem BGH: Vertrag unterschrieben \u2013 doch die Immobilie wurde nie gekauft<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Bu davada, evli bir \u00e7ift, sat\u0131n alma s\u00f6zle\u015fmesi imzalanmadan \u00f6nce bile, bir arac\u0131 tavsiyesi \u00fczerine kredi s\u00f6zle\u015fmesini imzalam\u0131\u015ft\u0131. Sat\u0131c\u0131n\u0131n beklenmedik bir \u015fekilde sat\u0131\u015ftan caymas\u0131 \u00fczerine kredi kullan\u0131lmad\u0131. Ancak banka, 35.000 \u20ac&#8217;nun \u00fczerinde bir kabul edilmeme \u00fccreti talep etti ve \u00e7ift bu \u00fccreti \u00f6dedi. Bunun \u00fczerine \u00e7ift tazminat davas\u0131 a\u00e7t\u0131 \u2013 ve kazand\u0131.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Kernaussage des Urteils: Vermittler muss auf Risiken hinweisen<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Federal Y\u00fcksek Mahkeme, dan\u0131\u015fmanl\u0131\u011f\u0131n gerekliliklere uygun olmad\u0131\u011f\u0131n\u0131 tespit etti. Arac\u0131, sat\u0131\u015f\u0131n ger\u00e7ekle\u015fmemesi halinde yine de \u00f6nemli masraflar\u0131n do\u011faca\u011f\u0131n\u0131 a\u00e7\u0131k\u00e7a belirtmeliydi. Ayr\u0131ca, daha g\u00fcvenli alternatifler sunmal\u0131yd\u0131.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Kredi s\u00f6zle\u015fmesinin imzalanmas\u0131, ancak sat\u0131n alma s\u00f6zle\u015fmesinin imzalanmas\u0131ndan sonra ger\u00e7ekle\u015fir.<\/li>\n<\/ul>\n\n<ul class=\"wp-block-list\">\n<li>veya ask\u0131ya alma ko\u015fulu i\u00e7eren bir s\u00f6zle\u015fme d\u00fczenlemesi.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Bu kan\u0131t\u0131n bulunmamas\u0131 nedeniyle \u00e7ifte tazminat \u00f6denmesine karar verildi. Bu karar, \u00f6zellikle gayrimenkul finansman\u0131 alan\u0131nda t\u00fcketiciyi koruma konusunda \u00f6nemli bir ad\u0131m olarak de\u011ferlendiriliyor.<\/p>\n\n<p class=\"wp-block-paragraph\">Bu durum \u00f6zellikle bor\u00e7 alanlar i\u00e7in ne anlama geliyor?<\/p>\n\n<p class=\"wp-block-paragraph\">Anla\u015fmay\u0131 kabul etmeme tazminat\u0131 \u00f6deyen t\u00fcm ma\u011fdurlar\u0131n s\u00f6zle\u015fmeleri g\u00f6zden ge\u00e7irilmelidir. Zaten sonu\u00e7lanm\u0131\u015f davalarda bile, zamana\u015f\u0131m\u0131 s\u00fcresi hen\u00fcz dolmam\u0131\u015fsa hak talebinde bulunmak m\u00fcmk\u00fcn olabilir. \u0130mza zamanlamas\u0131n\u0131n yan\u0131 s\u0131ra, arac\u0131 taraf\u0131ndan verilen tavsiyenin kalitesi de \u00e7ok \u00f6nemlidir.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Hukuk deste\u011fi Cocron hukuk firmas\u0131 taraf\u0131ndan sa\u011flanmaktad\u0131r.<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">T\u00fcketici hukuku konusunda uzmanla\u015fm\u0131\u015f Cocron hukuk firmas\u0131, arac\u0131lar\u0131n yetersiz tavsiyelerinden kaynaklanan zararlar i\u00e7in \u00fclke \u00e7ap\u0131ndaki m\u00fcvekkillerine tazminat taleplerinde yard\u0131mc\u0131 olmaktad\u0131r. Cocron GmbH &amp; Co. KG hukuk firmas\u0131n\u0131n kurucusu avukat Istv\u00e1n Cocron \u015funlar\u0131 vurguluyor:<\/p>\n\n<p class=\"wp-block-paragraph\">\u201cBir\u00e7ok arac\u0131, riskleri tam olarak belirtmeden insanlar\u0131 s\u00f6zle\u015fmeleri h\u0131zl\u0131ca imzalamaya zorluyor. Bu karar \u015funu do\u011fruluyor: Yeterince bilgilendirilmeyenlerin paralar\u0131n\u0131 geri alma \u015fans\u0131 y\u00fcksek.\u201d<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>S\u0131k\u00e7a Sorulan Sorular (SSS)<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Yanl\u0131\u015f tavsiye ne zaman verilir?<\/p>\n\n<p class=\"wp-block-paragraph\">Kabul edilmeme tazminat\u0131 riskine veya olas\u0131 alternatiflere dikkat \u00e7ekilmemi\u015fse.<\/p>\n\n<p class=\"wp-block-paragraph\">Wer haftet f\u00fcr den Schaden?<\/p>\n\n<p class=\"wp-block-paragraph\">Genellikle kredi arac\u0131s\u0131, ancak muhtemelen arac\u0131l\u0131k \u015firketi de olabilir.<\/p>\n\n<p class=\"wp-block-paragraph\">Ne kadar s\u00fcreyle talep ba\u015fvurusu yapabilirim?<\/p>\n\n<p class=\"wp-block-paragraph\">Genellikle iddian\u0131n \u00f6\u011frenilmesinden itibaren \u00fc\u00e7 y\u0131l i\u00e7inde, ancak s\u00f6zle\u015fmenin imzalanmas\u0131ndan sonra on y\u0131ldan ge\u00e7 olmamak \u00fczere.<\/p>\n\n<p class=\"wp-block-paragraph\">Hukuki gider sigortam masraflar\u0131 kar\u015f\u0131layacak m\u0131?<\/p>\n\n<p class=\"wp-block-paragraph\">Bir\u00e7ok hukuki masraf sigorta poli\u00e7esi bu t\u00fcr durumlar\u0131 kapsar. Cocron hukuk firmas\u0131, talep \u00fczerine, sigorta \u015firketiyle \u00fccretsiz olarak ileti\u015fime ge\u00e7ecektir.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Hemen harekete ge\u00e7in: \u00dccretsiz \u00f6n de\u011ferlendirme g\u00f6r\u00fc\u015fmenizi g\u00fcvence alt\u0131na al\u0131n!<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Kabul edilmeme tazminat\u0131 \u00f6dediniz mi ya da sonu\u00e7ta kullanmad\u0131\u011f\u0131n\u0131z bir kredi s\u00f6zle\u015fmesi mi imzalad\u0131n\u0131z?<\/p>\n\n<p class=\"wp-block-paragraph\">Dann lassen Sie Ihre Anspr\u00fcche jetzt rechtlich pr\u00fcfen!<\/p>\n\n<p class=\"wp-block-paragraph\">\ud83d\udce9 Basit, dijital ve Almanya genelinde ge\u00e7erli.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BGH-Urteil schafft Klarheit: Darlehensnehmer erhalten mehr Schutz Federal Y\u00fcksek Mahkemesi (BGH), 20 \u015eubat 2025 tarihli karar\u0131yla (Dava No. I ZR 122\/23), kredi arac\u0131 kurumlar\u0131n\u0131n bilgi y\u00fck\u00fcml\u00fcl\u00fcklerini \u00f6nemli \u00f6l\u00e7\u00fcde s\u0131k\u0131la\u015ft\u0131rm\u0131\u015ft\u0131r. Bir arac\u0131n\u0131n tavsiyesi \u00fczerine erken bir a\u015famada konut kredisi s\u00f6zle\u015fmesi imzalayan ve daha sonra s\u00f6zde kabul edilmeme tazminat\u0131 \u00f6demek zorunda kalan ki\u015filer, belirli ko\u015fullar alt\u0131nda tazminat [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"template":"","news-kategorie":[],"class_list":["post-4689","news","type-news","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ra-cocron.de\/tr\/wp-json\/wp\/v2\/news\/4689","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ra-cocron.de\/tr\/wp-json\/wp\/v2\/news"}],"about":[{"href":"https:\/\/ra-cocron.de\/tr\/wp-json\/wp\/v2\/types\/news"}],"wp:attachment":[{"href":"https:\/\/ra-cocron.de\/tr\/wp-json\/wp\/v2\/media?parent=4689"}],"wp:term":[{"taxonomy":"news-kategorie","embeddable":true,"href":"https:\/\/ra-cocron.de\/tr\/wp-json\/wp\/v2\/news-kategorie?post=4689"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}