{"id":15454,"date":"2024-06-20T08:30:57","date_gmt":"2024-06-20T06:30:57","guid":{"rendered":"https:\/\/topuz-law.de\/portfolio\/anwalt-vertragsrecht-copy\/"},"modified":"2026-04-03T12:38:13","modified_gmt":"2026-04-03T10:38:13","slug":"unwirksamer-darlehensvertrag-sittenwidriger-zinssatz","status":"publish","type":"post","link":"https:\/\/topuz-law.de\/tr\/portfolio\/unwirksamer-darlehensvertrag-sittenwidriger-zinssatz\/","title":{"rendered":"Ahlaks\u0131z faiz oran\u0131 ile etkisiz kredi s\u00f6zle\u015fmesi!"},"content":{"rendered":"
\n

Unwirksamer Darlehensvertrag bei sittenwidrigem Zinssatz !<\/h1>\n\n\n\n
\"\"<\/figure><\/div>\n\n\n\n
<\/div>\n\n\n\n

Ma\u011fdur bor\u00e7lular i\u00e7in umut<\/h2>\n\n\n\n

Uygulamada bundan ka\u00e7\u0131n\u0131lam\u0131yorsa, hi\u00e7 kimse ola\u011fan\u00fcst\u00fc y\u00fcksek faizli bir kredi s\u00f6zle\u015fmesini isteyerek imzalamaz. Bir\u00e7ok bor\u00e7lunun i\u00e7inde bulundu\u011fu mali bask\u0131, bir\u00e7o\u011funu ekonomik a\u00e7\u0131dan makul olmayan kararlar almaya zorlamaktad\u0131r. Bankalar bunu utanmadan istismar etmekte ve bu durumdan etkilenenlerden bazen korkun\u00e7 faiz oranlar\u0131 talep etmektedir.<\/p>\n\n\n\n

Mevzuat ve yerle\u015fik i\u00e7tihat, bankalar\u0131n faiz oran\u0131 uygulamalar\u0131na s\u0131n\u0131rlar getirmektedir.<\/p>\n\n\n\n

Kararla\u015ft\u0131r\u0131lan faiz oran\u0131n\u0131n \u00e7ok y\u00fcksek olmas\u0131 halinde, kredi s\u00f6zle\u015fmesi ahlaka ayk\u0131r\u0131 ve dolay\u0131s\u0131yla ge\u00e7ersiz olabilir.<\/p>\n\n\n\n

Ahlaka ayk\u0131r\u0131 bir kredi s\u00f6zle\u015fmesinin sonucu, ilgili bor\u00e7lunun yaln\u0131zca net kredi tutar\u0131n\u0131 geri \u00f6demek zorunda olmas\u0131d\u0131r.<\/p>\n\n\n\n

Bor\u00e7lu, ahlak d\u0131\u015f\u0131 bir kredi i\u00e7in faiz \u00f6demek zorunda de\u011fildir. \u0130lgili ki\u015fi taraf\u0131ndan daha \u00f6nce yap\u0131lan \u00f6demeler, geri \u00f6denecek net kredi s\u00f6zle\u015fmesinden tamamen mahsup edilir.<\/p>\n\n\n\n

Man k\u00f6nnte meinen, dass sittenwidrige Darlehensvertr\u00e4ge in der Praxis selten vorkommen m\u00fcssten. Dem ist leider nicht<\/strong> so.<\/p>\n\n\n\n

Hierzu ein Beispielsfall<\/strong> aus unserer anwaltlichen Praxis:<\/p>\n\n\n\n

<\/div>\n\n\n\n

Vertragsabschluss mit der Consors Finanz BNP Paribas S. A.<\/strong><\/h2>\n\n\n\n

Eyl\u00fcl 2020'de, ilgili bor\u00e7lu Consors Finanz (BNP Paribas S. A.) ile toplam 84 ay vadeli bir t\u00fcketici kredisi s\u00f6zle\u015fmesi imzalam\u0131\u015ft\u0131r.<\/p>\n\n\n\n

Kredi s\u00f6zle\u015fmesinin t\u00fcm vadesi i\u00e7in y\u0131ll\u0131k ,49 efektif faiz oran\u0131 kabul edilmi\u015ftir.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n
<\/div>\n\n\n\n

K\u00fcndigung und Klage durch den Darlehensgeber<\/strong><\/h2>\n\n\n\n

Bor\u00e7lunun belirli bir s\u00fcre sonra kredi taksitlerini \u00f6deyememesi \u00fczerine kredi veren, verilen t\u00fcketici kredisi s\u00f6zle\u015fmesini feshetmi\u015f ve \u00f6denmemi\u015f kredi tutar\u0131n\u0131n geri \u00f6denmesi i\u00e7in ilgili bor\u00e7luya kar\u015f\u0131 yasal i\u015flem ba\u015flatm\u0131\u015ft\u0131r.<\/p>\n\n\n\n

<\/div>\n\n\n\n

Blick in die Zinsstatistik der Deutschen Bundesbank<\/strong><\/h2>\n\n\n\n

Deutsche Bundesbank, ge\u00e7mi\u015fteki faiz oranlar\u0131n\u0131 g\u00f6r\u00fcnt\u00fclemek i\u00e7in kullan\u0131labilecek, internet \u00fczerinden g\u00f6r\u00fcnt\u00fclenebilen (MFI) faiz oran\u0131 istatistikleri tutmaktad\u0131r. Bu faiz oran\u0131 istatistikleri bir dosya olarak da indirilebilir. \u0130statistikler, bir kredi s\u00f6zle\u015fmesinin vadesine ba\u011fl\u0131 olarak ge\u00e7mi\u015fteki her ay i\u00e7in ilgili ortalama faiz oranlar\u0131n\u0131 listeler.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

T\u00fcketici kredisi s\u00f6zle\u015fmeleri ile ba\u011flant\u0131l\u0131 olarak, \"T\u00fcketici kredileri ve \u00f6zel hanehalklar\u0131na verilen di\u011fer krediler\" b\u00f6l\u00fcm\u00fc dikkate al\u0131nmal\u0131d\u0131r.<\/p>\n\n\n\n

Bu durumda, \u00f6zel hanehalklar\u0131na verilen be\u015f y\u0131ldan uzun vadeli t\u00fcketici kredileri i\u00e7in ortalama faiz oran\u0131, s\u00f6zle\u015fmenin Eyl\u00fcl 2020'de imzaland\u0131\u011f\u0131 tarihte fiilen y\u0131ll\u0131k %6,19 olmu\u015ftur.<\/p>\n\n\n\n

\"MFI\"<\/figure>\n\n\n\n

Ma\u00dfstab f\u00fcr die Sittenwidrigkeit<\/strong><\/h2>\n\n\n\n

Rechtlicher Ankn\u00fcpfungspunkt f\u00fcr die Annahme der Sittenwidrigkeit ist \u00a7 138 BGB.<\/p>\n\n\n\n

Orada diyor ki:<\/p>\n\n\n\n

138 Etik olmayan yasal i\u015flem; tefecilik<\/strong><\/p>\n\n\n\n

\u201e(1) Ein Rechtsgesch\u00e4ft, das gegen die guten Sitten verst\u00f6\u00dft, ist nichtig.<\/em><\/p>\n\n\n\n

(2) Nichtig ist insbesondere ein Rechtsgesch\u00e4ft, durch das jemand unter Ausbeutung der Zwangslage, der Unerfahrenheit, des Mangels an Urteilsverm\u00f6gen oder der erheblichen Willensschw\u00e4che eines anderen sich oder einem Dritten f\u00fcr eine Leistung Verm\u00f6gensvorteile versprechen oder gew\u00e4hren l\u00e4sst, die in einem auff\u00e4lligen Missverh\u00e4ltnis zu der Leistung stehen<\/em>.\u201c<\/p>\n\n\n\n

Bir s\u00f6zle\u015fme ili\u015fkisi, edim ile bedel aras\u0131nda objektif olarak fark edilebilir bir dengesizlik varsa ve s\u00f6zle\u015fmenin di\u011fer taraf\u0131 ahlaka ayk\u0131r\u0131l\u0131\u011fa yol a\u00e7an ger\u00e7ek ko\u015fullar\u0131n s\u00fcbjektif olarak fark\u0131ndaysa, ahlaka ayk\u0131r\u0131l\u0131k nedeniyle h\u00fck\u00fcms\u00fczd\u00fcr.<\/p>\n\n\n\n

Performans ve de\u011ferlendirme aras\u0131nda objektif olarak fark edilebilir bir dengesizli\u011fin varl\u0131\u011f\u0131 genellikle s\u00fcbjektif unsurun varsay\u0131lmas\u0131na yol a\u00e7ar.<\/p>\n\n\n\n

Yerle\u015fik i\u00e7tihada g\u00f6re, di\u011fer hususlar\u0131n yan\u0131 s\u0131ra, s\u00f6zle\u015fmeye dayal\u0131 efektif faiz oran\u0131n\u0131n standart piyasa faiz oran\u0131n\u0131 yakla\u015f\u0131k 0 oran\u0131nda a\u015fmas\u0131 halinde, kredi s\u00f6zle\u015fmelerinde edim ve bedel aras\u0131nda belirgin bir dengesizlik s\u00f6z konusudur (BGH, 24 Mart 1988 tarihli karar, dava referans\u0131: III ZR 30\/8, NJW 1988, 1659; BeckOGK\/Jakl, 1.1.2024, BGB, B\u00f6l\u00fcm 138, marjinal no. 205).<\/p>\n\n\n\n

Bu durumda, s\u00f6zle\u015fmenin imzaland\u0131\u011f\u0131 tarihte mutab\u0131k kal\u0131nan faiz oran\u0131 fiilen y\u0131ll\u0131k .49'dur. Bu oran, Deutsche Bundesbank'\u0131n faiz oran\u0131 istatistiklerine g\u00f6re y\u0131ll\u0131k ortalama faiz oran\u0131 olan %6.19'un 8 \u00fczerindedir.<\/p>\n\n\n\n

Bu durumda, t\u00fcketici kredisi s\u00f6zle\u015fmesi ahlaka ayk\u0131r\u0131d\u0131r ve bu nedenle genel ahlak\u0131n ihlali nedeniyle h\u00fck\u00fcms\u00fczd\u00fcr.<\/p>\n\n\n\n

Folgen der Sittenwidrigkeit<\/strong><\/h2>\n\n\n\n

Ba\u015fta da belirtildi\u011fi \u00fczere, t\u00fcketici kredisi s\u00f6zle\u015fmesinin h\u00fck\u00fcms\u00fcz olmas\u0131, m\u00fcvekkilimizin herhangi bir faiz \u00f6demek zorunda olmad\u0131\u011f\u0131 anlam\u0131na gelmektedir.<\/p>\n\n\n\n

Mahkeme davas\u0131 i\u00e7in bu, net kredi tutar\u0131n\u0131n ne kadar\u0131n\u0131n \u00f6denmi\u015f oldu\u011funa ba\u011fl\u0131 olarak bankan\u0131n talebin bir k\u0131sm\u0131n\u0131 veya tamam\u0131n\u0131 kaybedece\u011fi anlam\u0131na gelir.<\/p>\n\n\n\n

Kulland\u0131r\u0131lan kredinin bir k\u0131sm\u0131n\u0131n iade edilmesi gerekse bile, t\u00fcketici kredisi s\u00f6zle\u015fmesinin ge\u00e7ersizli\u011fi veya bu konuda yakla\u015fan mahkeme karar\u0131, bor\u00e7lu ile kredi veren aras\u0131nda bir m\u00fczakere nedeni olabilir, \u00e7\u00fcnk\u00fc hi\u00e7bir bankan\u0131n Alman mahkemeleri \u00f6n\u00fcnde ahlaks\u0131z faiz oranlar\u0131yla \"dikkat \u00e7ekmek\" gibi bir \u00e7\u0131kar\u0131 yoktur.<\/p>\n\n\n\n

Sonu\u00e7<\/strong><\/h2>\n\n\n\n

Hukuk uygulamam\u0131zdan a\u00e7\u0131klad\u0131\u011f\u0131m\u0131z durum, etkilenen bir bor\u00e7lu olarak hemen havlu atmaman\u0131z gerekti\u011fini bir kez daha a\u00e7\u0131k\u00e7a g\u00f6stermektedir.<\/p>\n\n\n\n

Yapt\u0131\u011f\u0131n\u0131z bir kredi s\u00f6zle\u015fmesinin ge\u00e7erlili\u011fi hakk\u0131nda \u015f\u00fcpheleriniz varsa veya geri \u00f6deme i\u00e7in dava ediliyorsan\u0131z, m\u00fcmk\u00fcn olan en k\u0131sa s\u00fcrede D\u00fcsseldorf hukuk b\u00fcromuzla ileti\u015fime ge\u00e7melisiniz.<\/p>\n\n\n\n

M\u00fcnferit durumlarda, kredi s\u00f6zle\u015fmesinin ge\u00e7erlili\u011fini kontrol ediyor ve t\u00fcm yaz\u0131\u015fmalar\u0131 sizin i\u00e7in hallediyoruz.<\/p>\n\n\n\n

\u0130leti\u015fim formumuzu kullanarak bize istedi\u011finiz zaman mesaj g\u00f6nderebilirsiniz. Alternatif olarak, info@topuz-law.de adresine bir e-posta g\u00f6nderebilir veya +49 211 43637831 numaral\u0131 telefondan do\u011frudan ofisimizi arayabilirsiniz. Bizden genellikle 24 saat i\u00e7inde yan\u0131t al\u0131rs\u0131n\u0131z.<\/p>\n\n\n\n

Tolga Topuz
Avukat<\/p>\n\n\n\n

Topuz Law \u2013 Kanzlei aus D\u00fcsseldorf \u2013<\/strong><\/p>\n\n\n\n

\n
\u0130leti\u015fim formuna<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

Unwirksamer Darlehensvertrag bei sittenwidrigem Zinssatz ! Hoffnung f\u00fcr betroffene Darlehensnehmer Niemand unterschreibt willentlich einen Darlehensvertrag mit einem au\u00dferordentlich hohen Zinssatz, wenn sich dies faktisch nicht vermeiden l\u00e4sst. Die finanzielle Drucksituation, in welchem sich viele Darlehensnehmer befinden, zwingen viele von ihnen zu wirtschaftlich unvern\u00fcnftigen Entscheidungen. Banken nutzen dies schamlos aus und verlange teils horrende Zinsen von […]<\/p>\n","protected":false},"author":1,"featured_media":11046,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[247,251,246],"tags":[],"class_list":["post-15454","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemeines-zivilrecht","category-portfolio","category-strafrecht"],"yoast_head":"\nDarlehensvertrag bei sittenwidrigem Zinssatz! \u1405 Topuz Law<\/title>\n<meta name=\"description\" content=\"Ihr Rechtsanwalt f\u00fcr Darlehensvertr\u00e4ge bei sittenwidrigem Zinssatz in D\u00fcsseldorf \u2713 Kompetente Beratung und Vertretung \u2713 Jetzt kontaktieren >\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/topuz-law.de\/tr\/portfolio\/unwirksamer-darlehensvertrag-sittenwidriger-zinssatz\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Unwirksamer Darlehensvertrag bei sittenwidrigem Zinssatz!\" \/>\n<meta property=\"og:description\" content=\"Ihr Rechtsanwalt f\u00fcr Darlehensvertr\u00e4ge bei sittenwidrigem Zinssatz in D\u00fcsseldorf \u2713 Kompetente Beratung und Vertretung \u2713 Jetzt kontaktieren >\" \/>\n<meta property=\"og:url\" content=\"https:\/\/topuz-law.de\/tr\/portfolio\/unwirksamer-darlehensvertrag-sittenwidriger-zinssatz\/\" \/>\n<meta property=\"og:site_name\" content=\"Topuz Law\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=61558419758393&locale=de_DE\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-20T06:30:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-03T10:38:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/topuz-law.de\/wp-content\/uploads\/2024\/06\/Beitragsbild.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1920\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Yazan:\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tahmini okuma s\u00fcresi\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 dakika\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/topuz-law.de\\\/portfolio\\\/unwirksamer-darlehensvertrag-sittenwidriger-zinssatz\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/topuz-law.de\\\/portfolio\\\/unwirksamer-darlehensvertrag-sittenwidriger-zinssatz\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/topuz-law.de\\\/#\\\/schema\\\/person\\\/41d9d01511d59a654caf51d894a07a61\"},\"headline\":\"Unwirksamer Darlehensvertrag bei sittenwidrigem Zinssatz!\",\"datePublished\":\"2024-06-20T06:30:57+00:00\",\"dateModified\":\"2026-04-03T10:38:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/topuz-law.de\\\/portfolio\\\/unwirksamer-darlehensvertrag-sittenwidriger-zinssatz\\\/\"},\"wordCount\":878,\"publisher\":{\"@id\":\"https:\\\/\\\/topuz-law.de\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/topuz-law.de\\\/portfolio\\\/unwirksamer-darlehensvertrag-sittenwidriger-zinssatz\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/topuz-law.de\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/Beitragsbild.webp\",\"articleSection\":[\"Allgemeines Zivilrecht\",\"Portfolio\",\"Strafrecht\"],\"inLanguage\":\"tr\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/topuz-law.de\\\/portfolio\\\/unwirksamer-darlehensvertrag-sittenwidriger-zinssatz\\\/\",\"url\":\"https:\\\/\\\/topuz-law.de\\\/portfolio\\\/unwirksamer-darlehensvertrag-sittenwidriger-zinssatz\\\/\",\"name\":\"Darlehensvertrag bei sittenwidrigem Zinssatz! 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Hoffnung f\u00fcr betroffene Darlehensnehmer Niemand unterschreibt willentlich einen Darlehensvertrag mit einem au\u00dferordentlich hohen Zinssatz, wenn sich dies faktisch nicht vermeiden l\u00e4sst. Die finanzielle Drucksituation, in welchem sich viele Darlehensnehmer befinden, zwingen viele von ihnen zu wirtschaftlich unvern\u00fcnftigen Entscheidungen. 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