{"id":13556,"date":"2022-09-06T18:05:54","date_gmt":"2022-09-06T15:05:54","guid":{"rendered":"https:\/\/kurcaloglu.com\/?page_id=13556"},"modified":"2022-09-06T18:08:57","modified_gmt":"2022-09-06T15:08:57","slug":"muris-tuketici-kredisi","status":"publish","type":"page","link":"https:\/\/kurcaloglu.com\/en\/muris-tuketici-kredisi\/","title":{"rendered":"Murisin Kulland\u0131\u011f\u0131 T\u00fcketici Kredisi"},"content":{"rendered":"
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Yarg\u0131tay 13. HD., E.2016\/27243, K.2019\/4131;<\/b>
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Murisin Kulland\u0131\u011f\u0131 T\u00fcketici Kredisi Borcundan Dolay\u0131 Hayat Sigortas\u0131 Olmas\u0131na Ra\u011fmen Banka Do\u011frudan Miras\u00e7\u0131lara M\u00fcracaat Edemez.<\/b><\/span><\/h5>
T.C
YARGITAY
13. HUKUK DA\u0130RES\u0130<\/h5>

ESAS NO: 2016\/27243<\/h5>

KARAR NO: 2019\/4131<\/h5>

KARAR TAR\u0130H\u0130: 28.03.2019<\/h5>
MAHKEMES\u0130 : Asliye Hukuk Mahkemesi (T\u00fcketici Mahkemesi S\u0131fat\u0131yla)<\/h5>
Taraflar aras\u0131ndaki itiraz\u0131n iptali davas\u0131n\u0131n yap\u0131lan yarg\u0131lamas\u0131 sonunda ilamda yaz\u0131l\u0131 nedenlerden dolay\u0131 davan\u0131n reddine y\u00f6nelik olarak verilen h\u00fckm\u00fcn s\u00fcresi i\u00e7inde davac\u0131 ve daval\u0131lar avukat\u0131nca temyiz edilmesi \u00fczerine dosya incelendi gere\u011fi konu\u015fulup d\u00fc\u015f\u00fcn\u00fcld\u00fc.<\/h5>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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YARGITAY KARARI<\/b><\/span><\/p><\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Davac\u0131, daval\u0131lar\u0131n murisleri \u2026 ile imzalanan \u0130htiya\u00e7 \u2026 s\u00f6zle\u015fmesi neticesinde \u2026 kulland\u0131r\u0131lm\u0131\u015f oldu\u011funu, bor\u00e7lu \u2026\u2019\u0131n vefat\u0131 \u00fczerine, 29\/08\/2014 tarihinde, bor\u00e7lunun miras\u00e7\u0131lar\u0131na muacceliyet ihtarnamesi tebli\u011f edildi\u011fini, bakiye borcun 1 hafta i\u00e7erisinde \u00f6denmesi i\u00e7in s\u00fcre verildi\u011fini, verilen s\u00fcre i\u00e7erisinde bor\u00e7 \u00f6denmedi\u011finden borcun tahsili i\u00e7in murisin yasal miras\u00e7\u0131lar\u0131 hakk\u0131nda icra takibi ba\u015flat\u0131ld\u0131\u011f\u0131n\u0131, miras\u00e7\u0131lar\u0131n bu takibe itirazda bulundu\u011funu ileri s\u00fcrerek vaki itiraz\u0131n iptali ile icra inkar tazminat\u0131na h\u00fckmedilmesini istemi\u015ftir.<\/h5>
Daval\u0131lar, davan\u0131n reddini dilemi\u015flerdir.<\/h5>
Mahkemece, davan\u0131n reddine karar verilmi\u015f; h\u00fck\u00fcm, davac\u0131 ve daval\u0131lar taraf\u0131ndan temyiz edilmi\u015ftir.<\/h5>
1- <\/b>Dava, t\u00fcketici kredisinden do\u011fan alacak i\u00e7in ba\u015flat\u0131lan takibe vaki itiraz\u0131n iptali istemine ili\u015fkindir.
Davac\u0131 banka, daval\u0131lar\u0131n murislerine ait \u2026 borcunun tahsili amac\u0131yla ba\u015flat\u0131lan icra takibine yap\u0131lan itiraz\u0131n iptali isteminde bulunmu\u015f, daval\u0131 miras\u00e7\u0131lar ise, murislerinin kanser hastas\u0131 oldu\u011funun davac\u0131 banka taraf\u0131ndan bilindi\u011fini, \u2026 kullanan\u0131n ya\u015famsal riski kar\u015f\u0131s\u0131nda sigortaland\u0131\u011f\u0131n\u0131, riskin ger\u00e7ekle\u015fmi\u015f olmas\u0131 nedeniyle \u00f6denmeyen \u2026 borcunun sigorta \u015firketinden talep edilmesi gerekti\u011fini, murisleri \u2026\u2019\u0131n terekesinin borca bat\u0131k olmas\u0131ndan, yani aktif terekesi olmayan murisin miras\u0131n\u0131 ayr\u0131ca reddetmeye gerek olmad\u0131\u011f\u0131ndan, do\u011fal olarak murislerinin miras\u0131n\u0131 reddetmi\u015f say\u0131ld\u0131klar\u0131n\u0131, bu durumda bor\u00e7tan sorumlu olmad\u0131klar\u0131n\u0131 savunmu\u015flard\u0131r.<\/h5>
Mahkemece, muris \u2026\u2019\u0131n 28\/02\/2014 tarihinde vefat etti\u011fi, dava konusu \u2026 s\u00f6zle\u015fmesine ba\u011fl\u0131 olarak d\u00fczenlenmi\u015f bulunan ve \u2026.11.2013-06.11.2017 tarihini kapsayan hayat sigortas\u0131n\u0131n teminat s\u00fcresi i\u00e7erisinde vefat\u0131n yani rizikonun ger\u00e7ekle\u015fti\u011fi, davac\u0131 bankan\u0131n poli\u00e7ede daini m\u00fcrtehin s\u0131fat\u0131 bulunmas\u0131 sebebiyle vefat tazminat\u0131n\u0131n dava d\u0131\u015f\u0131 sigorta \u015firketinden talep etme hakk\u0131n\u0131n davac\u0131 bankada bulundu\u011fu ancak kullan\u0131lmad\u0131\u011f\u0131, davac\u0131 bankan\u0131n sigorta \u015firketinden \u2026 bu vefat tazminat\u0131n\u0131 talep etmeden m\u00fcteveffa \u2026 miras\u00e7\u0131lar\u0131 hakk\u0131nda icra takibi ve dava ikamesinin TMK. 3. maddesinde bahse konu edilen iyiniyet kurallar\u0131na, \u2026 s\u00f6zle\u015fmesinin 13. maddesine ve incelenen di\u011fer mevzuata ayk\u0131r\u0131 bulundu\u011fu gerek\u00e7esiyle davan\u0131n reddine karar verilmi\u015ftir.<\/h5>
Uyu\u015fmazl\u0131k kullan\u0131lan \u2026 borcundan dolay\u0131 hayat sigortas\u0131 olmas\u0131na ra\u011fmen miras\u00e7\u0131lara m\u00fcracaat edilip edilmeyece\u011fi noktas\u0131nda toplanmaktad\u0131r.<\/h5>
Hemen belirtilmelidir ki, somut olayda hayat sigortas\u0131 yap\u0131ld\u0131\u011f\u0131 ve priminin \u00f6dendi\u011fi, murisin poli\u00e7eler \u00fczerinde banka lehine dain ve m\u00fcrtehin hakk\u0131 tesis etti\u011fi uyu\u015fmazl\u0131k konusu de\u011fildir. Davac\u0131 banka miras\u00e7\u0131lara kar\u015f\u0131 icra takibine ge\u00e7ti\u011fini ve daval\u0131lar\u0131n takibe haks\u0131z olarak itiraz ettiklerini beyan ederek eldeki davay\u0131 a\u00e7m\u0131\u015f ise de sigorta poli\u00e7elerinin \u00fczerinde davac\u0131 Banka\u2019n\u0131n ad\u0131na dain ve m\u00fcrtehin kayd\u0131 bulunaca\u011f\u0131 yaz\u0131l\u0131 olup sigorta \u015firketinin 01.08.2014 tarihli menfi yan\u0131t\u0131na kar\u015f\u0131 hukuki yollar davac\u0131 banka taraf\u0131ndan t\u00fcketilmeden miras\u00e7\u0131lara kar\u015f\u0131 takip ba\u015flat\u0131lmas\u0131 yerinde de\u011fildir. Mahkemece, bu husus g\u00f6zetilerek vaktinden evvel a\u00e7\u0131ld\u0131\u011f\u0131 anla\u015f\u0131lan davan\u0131n usulden reddi gerekirken, i\u015fin esas\u0131na girilerek yaz\u0131l\u0131 \u015fekilde h\u00fck\u00fcm tesisi usul ve yasaya ayk\u0131r\u0131 olup, h\u00fckm\u00fcn bozulmas\u0131n\u0131 gerektirir.<\/h5>
2- <\/b>Bozma nedenine g\u00f6re davac\u0131 ve daval\u0131lar\u0131n sair temyiz itirazlar\u0131n\u0131n incelenmesine bu a\u015famada gerek g\u00f6r\u00fclmemi\u015ftir.<\/h5>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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SONU\u00c7: <\/b><\/u>Yukar\u0131da birinci bentte a\u00e7\u0131klanan nedenlerle h\u00fckm\u00fcn BOZULMASINA, ikinci bent gere\u011fince davac\u0131 ve daval\u0131lar\u0131n sair temyiz itirazlar\u0131n\u0131n incelenmesine yer olmad\u0131\u011f\u0131na, pe\u015fin al\u0131nan 29,20 TL harc\u0131n davac\u0131ya iadesine, HUMK\u2019nun 440\/I maddesi uyar\u0131nca tebli\u011fden itibaren \u2026 g\u00fcn i\u00e7erisinde karar d\u00fczeltme yolu a\u00e7\u0131k olmak \u00fczere, 28\/03\/2019 g\u00fcn\u00fcnde oy birli\u011fiyle karar verildi.<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Yarg\u0131tay 13. HD., E.2016\/27243, K.2019\/4131; Murisin Kulland\u0131\u011f\u0131 T\u00fcketici Kredisi Borcundan Dolay\u0131 Hayat Sigortas\u0131 Olmas\u0131na Ra\u011fmen Banka Do\u011frudan Miras\u00e7\u0131lara M\u00fcracaat Edemez. T.CYARGITAY13. HUKUK DA\u0130RES\u0130 ESAS NO: 2016\/27243 KARAR NO: 2019\/4131 KARAR TAR\u0130H\u0130: 28.03.2019 MAHKEMES\u0130 : Asliye Hukuk Mahkemesi (T\u00fcketici Mahkemesi S\u0131fat\u0131yla) Taraflar aras\u0131ndaki itiraz\u0131n iptali davas\u0131n\u0131n yap\u0131lan yarg\u0131lamas\u0131 sonunda ilamda yaz\u0131l\u0131 nedenlerden dolay\u0131 davan\u0131n reddine y\u00f6nelik…<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"\nKurçalo\u011flu Hukuk & Partners- Murisin Kulland\u0131\u011f\u0131 T\u00fcketici Kredisi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kurcaloglu.com\/en\/muris-tuketici-kredisi\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kurçalo\u011flu Hukuk & Partners- Murisin Kulland\u0131\u011f\u0131 T\u00fcketici Kredisi\" \/>\n<meta property=\"og:description\" content=\"Yarg\u0131tay 13. 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