Turkish Grand National Assembly Warning: You Are Viewing Act, The Parliamentary General Assembly Has Already Adopted. If It Does Not Include The Changes Made Later. Housing Finance System For Several Law Changes In Y

Original Language Title: TÜRKİYE BÜYÜK MİLLET MECLİSİ Uyarı: Görüntülemekte olduğunuz Kanun, TBMM Genel Kurulunda kabul edildiği halidir. Varsa daha sonra yapılan değişiklikleri içermemektedir. KONUT FİNANSMANI SİSTEMİNE İLİŞKİN ÇEŞİTLİ KANUNLARDA DEĞİŞİKLİK Y

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TURKISH GRAND MULLET

Warning: The Law you are viewing is considered to be accepted at the General Assembly of the TBMM. It does not contain any later delics if it exists.


 

HOUSING FUNNANSI SMISTEDI LAW

LAW ON HOW TO MAKE A DECEITDEÐÝÞÝKLÝK

 

Kanun # 5582

 

Acceptable Date: 21/2/2007      

45MADDE 1- dated 9/6/1932 and the 2004 number 45 of the British and British Law. In order to arrive after the first receipt of the pearl material, the following is added to the fan.

" 2499 counts of housing finance identified in the first phase of the Capital Markets Act 38 /A. They will be provided with the hostage, and the Mass Housing and the Mass Housing will be provided with the hostage of the hostage, followed by the refunds of the hostage, or can be traced back to the foreclosure. "

MADDE 2- from the second phase of a 2004 count of 128 Then, the next one is added to the fan.

" The Israeli agency provides housing for the first phase of Article 38 /A of the Capital Markets Act of 2499. They were authorized to the hostage of the Mass Housing and the United States for the purchase of a hostage, as well as the first receipt of the 22nd item (r) of the same Code, which is authorized to be authorized to the hostage. It will be done to the people or institutions. "

MADDE 3- 2004 is the first of the Code 128 /a clause Then, the next one is added to the fan.

" 2499 counts of housing finance identified in the first phase of the Capital Markets Act 38 /A. The information that is due to the receipt of the United States and the Mass Housing Act will be provided with the hostage of the United States, and the information review, which was decided by the first receipt of the 22nd clause of the same Law, is based on the statement of the first. to institutions or institutions that are authorized to do so. "

MADDE 4- from the second phase of the 134th clause of the number 2004 Then, the next one is added to the fan.

" 2499 counts of housing finance identified in the first phase of the Capital Markets Act 38 /A. the aggregate payout of the United States and the United States will be provided with the hostage of the United States. "

The number of credits included in the second phase is applied to the second."

MADDE 5- Fıkra, in article 149 /a of the 2004 count is added.

" 2499 counts of housing finance identified in the first phase of the Capital Markets Act 38 /A. They are due to receive the resulting receivance of the United States with the hostage of the United States, and the ratio of the second item in the second phase is 30%. In the event of a rejection of the request for the application, the amount of the amount received as collateral will be paid to the credit. Appreciated after the credit claim, the remaining part of the remaining amount, if any, is returned to the yacht, if any, of the collateral remaining, if it is understood that the deceased will not be able to receive the claim. "

MADDE 6- The scratch item that is in place of the 2004 count is added.

" INVALID ARTICLE 8-The third phase of Article 128 of this Law and the second fireplaces of Article 128 /a They will receive credit from the housing financing described in the first phase of Article 38 /A of the Capital Markets Act of 2499 until the end of the third year following the entry of the Capital Markets Act, and the United States will receive the hostage of the United States hostage. In his pursuit, his/his/his/his/his/his/his/his/his/his/his/his/ The review can also be done with the expert expert, who has been authorized to authorize the real estate deferral activity under the name of the first fund (r) of the Capital Markets Act, the first receipt of article 22 (r) of the Capital Market Act. "

MADDE 7- dated 28/7/1981 and 2499 Capital Markets Law The 3rd item is added to the item on the day.

" k) Mortgage Capital Markets: Mortgage collateral securities, mortgage-based securities, mortgages. Stock capital markets, which are exported by financing installs, and other capital markets instruments that are exported to or from housing finance, are exported to or under the guarantee of housing. "

MADDE 8- 13 /A clause of the number 2499 is with matter. It has been reported in the following way.

" Espotek collateral securities

MADDE 13 /A-The guarantee of the public obligation is the general obligation of the issuer. The assets in the trust pool are the stocks that are being exported by showing the profits. The mortgage guarantee can be exported by banks and the mortgage financing set up in Article 39 /A of this Code.

The trademarks are the collateral of the mortgage-secured securities, separate from the other entities, They are obliged to follow through the pool of guarantee that they will build. The compliance of the assets included in the guarantee pool is determined by the Board by taking the appropriate view of the Banking Regulation and Supervision Board. The Board may also require that the assets of the entities included in the collateral pool be retained in a separate registration setup, by taking the appropriate view of the Banking Regulation and Supervision Board.

Collateral pool; permission to use construction by building a mortgage on housing and other real estate They will receive collateral, substitution, and commitments made in order to protect them from risk. They are not included in the remaining asset and credits pool.

You will receive a guarantee of using the right to use a mortgage by providing a mortgage on the premises. The part of the current estate's estate, which has been secured by the mortgage on the basis of the mortgage on its permits to use the structure, is the percentage of the real estate, the collateral, the guarantee of collateral, the authority said. It doesn't account for the calculation. The permit to use the facility to be included in the pool of collateral is to have the collateral of all payments due under the guarantee of a mortgage on the estate and the estate of other estate.

Human assets cash, state domestic debt bonds, securities exported on treasury bail, Economic and Economic The central administrations of the member states and the central banks of the departure of the Development and Development are similar entities that are deemed appropriate to the Board with the securities issued with the bail of the central banks or those issued on bail.

ipotekA mortgage on real estate that is allowed to use the structure within all of the assets in the security pool. The percentage of credit credits and replacement assets will not be able to take up to ten percent, by being able to be secured by being able to receive collateral.

Israel promises to protect assets from the pool of collateral from interest, rate, credit, and similar risks. can. Any assets that exist in the guarantee repository from risk to protection are also included in the collateral pool.

boyuncaFor the period of time until the value of the security of the security of the securities;

a) Reform the nominal value of the assets in the Repositor ' s Pool to the nominal value of the securities Not too much,

b) The return of the assets in the collateral pool to the return of the securities or the return of the securities more than

c) The amount of revenue generated from the assets in the collateral pool and the mortgage guarantee from the maintenance periods to be involved in payments to holders of securities,

d) The net present value of the net present current of the assets in the pool of the Guarantee is the net present More than two percent of the time,

is mandatory. The implementation of this fan is determined by the Board of the United States and the guidelines.

A new repository of security in the guarantee of security, or to the pool of collateral, as well as the number of conditions listed in the eighth-in-law The assets can be included. In the event of a reasonable justification, the issuers may obtain the consent of the collateral, or may or may not, from the pool of collateral, which is included in the pool of collateral, with an asset that is not in the repository of the collateral.

It is mandatory for the Israeli to designate a collateral charge by obtaining the approval of the Board. The Board is determined by the Board of qualifications that must be responsible for the collateral. The board is authorized to request that the mortgage holders be protected by the right to protect the rights of the securities holders, or to make sure that you are responsible for the collateral.

Collateral responsible for this matter;

a) The building of the collateral pools and the assets included in the collateral pools are owned qualifications,

b) protects the presence of assets that are included in the repositories of the collateral, and that these assets have Attributes of qualifications,

c) Losses to assets included in the collateral pool if required by the board The issuance of a separate issue of the issuer, as well as the issuance of the export,

d) Availability of numbers in the eighth plug,

to monitor and install and install information on issues that are determined by the Convention. It's an obligation.

Collateral, collateral, registration, and, if needed, the registration of tapu registry management authorities are authorized to ask for any information and documents, review related records, and receive information from those who have stolen it. The supervisors are obliged to provide the information and documents requested by the registration of registration and for the registration of tapu regimen. The custodian is responsible for promptly reporting the situation to the Institution if it is blocked by the information and documents requested.

varlýklarThe assets of the collateral, until the security of the guarantee, are collateral, until the security is pushed out. There can be no savings, no hostages, no guarantees, no disclosures, including the purpose of the public receivt, cannot be put into bankruptcy and cannot be made a precautionary measure for them.

The repository and the guarantee repository in thesözleþmelerdeGuarantee repository that will be protected from the risk of the assets contained in theTeminat Until the mortgage guarantees are liquidated, it is mandatory that the issuance of the issuance of the sole party of the pledge cannot be annulled unless the securities are liquidated.

The failure to meet the obligations arising from the securities of the Israeli mortgage may not be fulfilled. The transfer of management to public institutions, to the extent to which the permit to operate, or the income from the assets in the pool of collateral is primarily due to the risk of securities holders of securities and the collateral pool of the collateral. Promises to protect against protection. used in payments to be made to them. In this case, the Board;

a) Early push of the mortgage collateral in the treatment of the securities in the collateral pool to conduct business operations with the return of an administrator or to the measure of assets in the collateral pool and the measures of the measure by the Protection Fund of the actions of the entities,

b) The assets in the pool of the collateral are liable for any liability arising from the securities of the mortgage. the transfer of the export qualification to a haiz seam,

c) The assets in the guarantee pool, without any obligations arising from the security of the securities. administration and the appointment of proceeds from this pool to be assigned a manager to conduct payment of payment of mortgage holders to the securities holders,

is authorized to make decisions in the areas. The board will decide whether to pay the appointed administrator or the Orphan Protection Fund to determine the payment of assets in the trust pool and to determine the calculation of the payment from the assets in the guarantee pool, authority.

The failure to meet the payment obligation resulting from the securities of the Israeli mortgage. If the assets included in their pools are not satisfied with the credits of the securities holders, the mortgage holders who are not involved with the assets in the credit pool may be able to contact the issuance of the issuer.

The limits specified in the 13th clause in the issuance of the security of the securities are not applied. The mortgage loan export limit, expulsion, promises to protect assets from the pool of collateral, and the securities and principles of the Board of these securities, and the mortgage collateral securities that may be done. The other considerations are set up in the Board. "

MADDE 9- 2499 is about to come after clause 13 /A Item 13 /B is added in the month.

" Existing securities securities

MADDE 13 /B-Asset collateral securities; credits, which are the general obligation of the issuance, shall receive and the borrowing money that is being exported under the collateral of the existing assets. Assets to export securities, export, export, collateral, credit and entity types, collateral, collateral, collateral, collateral, and other assets that may be represented, and other types of assets, and assets that are eligible to be represented. The reporting is set to the Board of the United States.

The order of the credit and the loss of the records of the assets shown in the Federal Reserve and the Banking Regulation and The appropriate vision of the Board of Audits is determined by the Board.

The board may require that the issuance of the issuance of a guarantee be responsible. The guarantee is to monitor the presence and qualifications of the assets included in the collateral pools, to monitor the presence of the collateral pools and to monitor the monitoring of the assets in the pool of collateral, to determine the extent to which it will be established. In the framework of the guidelines, it is obligated to provide information with the export and the Agency.

Collateral, collateral, registration, and, if needed, the registration of tapu registry management authorities are authorized to ask for any information and documents, review related records, and receive information from those who have stolen it. The supervisors are obliged to provide the information and documents requested by the registration of registration and for the registration of tapu regimen. The custodian is responsible for promptly reporting the situation to the Institution if it is blocked by the information and information that it claims.

The assets in the pool of guarantee are for collateral until security is pushed out of the securities. There can be no savings, no hostages, no guarantees, no disclosures, including the purpose of the public receivt, cannot be put into bankruptcy and cannot be made a precautionary measure for them.

The board is included in the guarantee pool by taking the appropriate view of the Banking Regulation and Supervision Board. It may require that the records of the arrival of the entities are also retained in a separate registration installation.

The qualifications that are required to have the collateral charge are set to the Board. The board is authorized to ask for the protection of the rights of the asset holders, or to make sure that the guarantee is responsible for the protection of the rights of the rights holders. "

MADDE 10- The first receipt of article 22 of the number 2499 (r) it has been reported in the same way as it is.

" r) is in the capital market from disinflation institutions that can make real estate deeming. To determine the results of those who are to be found and to declare them a list of deeming institutions that meet these increases; this is the fourth time that a 38 /A material has been identified in the first phase of Article 38 /A, and is the fourth of 38 /A. In the framework of the framework of the fund, to identify the current and institutions that will be able to identify the current and institutions that meet the results if they are not to be able to do so, "

MADDE 11- is the second of 2499 (b) of the number 28 The following paragraph is added to come after the paragraph.

konut" The pool of the security guarantee securities pool, the security deposit pool of the existing collateral, The registration fee for the financing fund, which will be calculated to avoid the return of the net barrel deems on the last day of the three-month periods of the asset financing fund and the yacht fund, is set to the Special Account within the following ten days. Failure to address the rate specified in this paragraph is determined by the Council of Ministers for the registration of the registration fee. "

MADDE 12- to come after the 38th item of the Code 2499 The items 38/A, 38 /B, and 38 /C are added in the following table.

" Housing finance

MADDE 38 /A-Housing finance uses loans to consumers with the goal of acquiring housing, housing financial leased to consumers through rental, consumers will not be able to use credits under the guarantee of their housing. The loans used to refinance loans are also covered by housing finance.

Housing finance setups are used to finance housing, or use loans to finance. Financial leasing companies and financing companies deemed to be eligible for residential financing activities by the Banking Regulation and Supervision Agency, with the banks that have been leasing banks.

Treasury Department of Housing Finance insurance claims related to insurance claims, and essential Turkey Insurance and The Minister of Reassurance, the Minister of Industry and Trade, is authorized to determine the refinancing of the loans under housing finance by taking the visions of the Turkish Banks Association.

Board, credit and financial leasing, based or on-line of mortgagate capital markets to export For credits, credit or leasing promises to be included in the housing finance fund portfolio or to be included in the pool of funds that are based on mortgage collateral securities or to the fund portfolio. or the credits that are included in the collateral pool It is authorized to require that the housing department be authorized by the authority or institutions that are authorized to operate real estate in the event of a real estate activity.

Housing finance fund

MADDE 38 /B-Housing finance fund, with money collected in the export of mortgaged-to-equity securities, The mortgage holders ' account is owned by faith property on the basis of their belief in the account.

Fund co-founders are available to pay for loans and loans included in the fund portfolio. Existing types of assets that can be taken into the fund portfolio, including the limit on raising funds, protecting the portfolio from risk or increasing credit deportations, export and board of assets to the mortgage, including portfolio leadouts. The registration is determined by the Board of the United States and the guidelines. The founders may provide guarantees for the securities that are exported to the exported mortgage.

The Fund does not have any legal entities, but it is separate from the assets of the product. The fund's assets, until the expulsion of the exported mortgage, cannot be saved for a purpose, cannot be repawled, guaranteed to be inimarable, including the purpose of the public receivability of receivability, a precautionary measure of caution. It cannot be granted and included in the slander.

The

Fund board represents funds to protect the rights of owners of securities that are exported. And it governs. The fund board is responsible for the loss of the funds and the protection of these assets and the protection of the assets that are received by the Fund portfolio. The funding is set to the Board of the funds and the management of the fund's assets.

Founder, fund board and holders of the exported mortgage-based securities are in this Law and the provisions of the Law of the Law of the Debates are applied in the non-provision of the relevant legislation.

The Board of

requires that the funds in the fund portfolio also be retained in a separate registration installation.

A lease on the mortgage, or a lease on a real estate that is a real estate subject. In the event that the credit or credit is transferred to the fund portfolio, it is recorded in the statements of the people in the title deed of the respective estate. If the board is to receive a portfolio of creditors arising from a lease on loan or a lease on the subject that is subject to the mortgage, the mortgage or property; the fund account, the constituent name, the tapuya registration. It might be mandatory.

The fund portfolio has faith in the owners of mortgage-based securities, the founder and the fund board. In accordance with property principles, the subject matter is an inflammation of the subject that is subject to the rule of law.

To allow and export fund setup, along with other documents that will be determined by the Board It is mandatory to register with the Institution for the registration of the securities imposed on the mortgage.

The

Fund portfolio includes a different set of securities-based securities with different rights over these products. can be exported. Based on the rights of the rights of the securities to the holders of the forex, which are exported with respect to the securities of a different mortgage, it is determined that the rights of the securities are based on the funds.

TheKurulBoard provides a means of managing assets in the portfolio, the activities and management policies of the fund, and the end of It is authorized to determine the scope, information, registration and declaration of the fund administration and retention of funds, registration and retention of funds, and to determine the scope of the fund's management promise.

If

is the founder or the fund refunds, the Board will protect the funds ' management and representation of the fund. It may decide whether to run the fund or the other assigned fund board or transfer the fund to a co-founder. In this case, the repayments of the exported capital market instruments will continue to be fully and timely, if the institution is guaranteed, the repayment of the discharged capital market instruments will be fully charged. The board will decide on the funding board to be assigned or to determine the basis of payment for the payment of payment to the Fund's Protection Fund in order to pay for the payment of funds to be paid to the Fund. authority.

If the bankruptcy or liquidation of the Fund's founder or members of the fund board, the Board will take the necessary measures authority.

Asset funding funding

MADDE 38 /C-Asset financing fund, with money raised in the export of the exported barrel, The property owners ' account is owned by faith property based on the securities account. The assets that can be received in the portfolio of asset financing portfolios are set to the Board.

The first storm provisions of this Law's 38 /B clause are also required for asset-financing funds. from the server. "

MADDE 13- The 39th of the 2499 Code of the Code is in the same way It is currently being started.

" MADDE 39-Diyener capital markets institutions; established and operating-based, capital market Supervise, asset management, which replaces the capital market activities such as the exchange and storage of vehicles, grading, export and audit of capital markets institutions, meeting the yacht, portfolio management, and capital markets activities. Companies, mortgage financing installations, housing Funding funds, asset financing funds, venture capital investment funds, venture capital yacht partners, futures companies, real estate agencies and portfolio retention that will operate in the capital market. It's their company. "

MADDE 14- to arrive after the 39th item of the Code 2499 Item 39 /A is added in the following.

" Business for business installations

MADDE 39 /A-Israel financing setups have been caused by the exclusive housing finance receivant, The transfer of funds by the management of the assets from the takeover credits and the credit of receiving/receiving/receiving/receiving/receiv; the equity capital institution is anonymous, anonymous partners. They can execute risk management objectives that require the activities of the Ipotek financing setup.

Funds for funds are installed and paid for by all types of capital, including 5411. It cannot be less than the amount projected for the banks of the bank and the banks of the bank. Holders of the shares of the Board of Directors, who grant membership to the boards of directors, are counted to 5411, even if the denominations of the founders and their capital or the voting rights are at the bottom of this ratio, with ten percent or more of the same or more. It is mandatory for bank constituent partners to take part in the Bank's Law.

Mortgage financing by representing receivable and other assets that originate from housing finance. If the source is provided, the assets shown in collateral may not be saved, repawnable, collateral for any purpose, and need not be foreclosed by third parties, including the purpose of the public receivability of receivability. measures cannot be determined and included in the insolvence desk cannot be done The Board may also require that the records of the assets shown in the collateral are held under a record installation, by obtaining the appropriate view of the Banking Regulation and Supervision Board.

The installation of the Israeli financing setups, the principles and principles of operation, as well as the reputation of activities, The obligations of their obligations are determined by the Board, by taking the appropriate view of the Banking Regulation and Supervision Board. The work of the Ipotek financing setups has been set up and started with the Setup to obtain permission to operate. The Bank is required to be granted permission to install, if it is to be granted permission to install, in order to obtain the installation permission for mortgage financing to be used for the maintenance and control of the Banking Regulation and Supervision Agency. The compliance of the Regulation and Supervision Board is mandatory. "

MADDE 15- to come after Section 40 /C of 2499 the 40 /D clause in the area is added.

" Turkey Devitation SpecialistsBirliði

MADDE 40 /D-Those who have a license to real estate are qualified to be legal entities. to become a member of the Turkish Devitation Specialists, a business organization. The license holder is responsible for making the necessary contact within three months of the payment of the license to which you are entitled to receive a license. The license of anyone who does not comply with the following obligation is cancelled.

Turkey Devieration Specialists Union, real estate market, and real estate deeming activities To conduct research, to provide education and certificate, to create professional rules and regulations for the solidarity and discipline of members of the Union, and to prevent the right to competition, to avoid the right to competition. To take the necessary measures, to take the necessary measures To make arrangements under the subject or to the Convention, to conduct, to conduct, to supervise the disciplinary penalties stipulate in the State of the Union, to cooperate with the relevant organizations in related matters, their professional development, administrative and administrative services. and is tasked with setting up members in this matter by following regulations.

The Union publishes and publishes statistics on real estate issues across the region and across the country. It is imperative that information about the deans covered by housing finance is communicated to the Union, based on the principles and principles that will be determined by the Union.

In the decisions and regulations of the Union, the Union, the Board, the Board of regulations, and its decisions, and is obligated to comply with relevant legislation.

Members are required to comply with the Union Status and the Union resolution.

Union is a matter of provisions in article 40 /C. "

MADDE 16- from the first receipt of article 46 /A of the number 2499 Then, the next one is added to the fan.

" The board is mortgaged if the first receipt of article 46 (h) is decided to the measure of the measure. The financing of the financing of the financing establishment has not been executed by the Fund, it is not able to meet its obligations under its obligations, the total of the assets of its obligations will be made to the public institutions of its management. delegating, discontinue or insolvate of operating permit Housing or housing finance or asset financing funds are strong if the mortgage fund or the asset financing fund is strong, if the mortgage is collateral and the collateral financing fund is the collateral of the securities and assets. The funding fund and the asset financing fund may decide whether the financial liquidate of the assets or the administration of the assets is run. It is determined by the Fund to be used by the Fund to be used by the Fund, and to the Board of the Fund's revenues, which will be used by the Fund's revenues in the expenditures. "

MADDE 17- 2499 is about to come after article 46 /B Item 46 /C is added in the month of the month.

" The precameasure liquidation of the Ipotek financing setups

MADDE 46 /C-The mortgage authorized by the first receipt of article 46 (h) of this Law is the mortgage that is not authorized The measures of the financing of the financing can be decided to the Board. The liquidations of these institutions are carried out by the Protection Fund.

The purpose of the measure is that the mortgage financing is the property of the goods asset, or the cash. The liquidation is to be liquidated by allocating the cost. The provisions of the Turkish Commercial Code, the number of Turkish Commercial Code of 6762, and the Law on the Law of Israel and other legislation, are not applied to the liquidation of the Turkish Commercial Code. The implementation of the measures for the measures of the Ipotek financing are determined by the implementation of the implementation of the implementation.

After the decision was made to thetasfiyeTedricical liquidation, the duties and powers of the legal bodies of the mortgage financing establishment, The Protection Fund will be fulfilled by the Protection Fund until liquidation is concluded. However, the first of the 46 clause (h) of the matter is saved.

The mortgage financing setup, which has been decided to approve a liquidation of

, stops payments, and housing finance funds, Only the Fund can be saved by the Fund as of the date of this decision date, with the exception of the assets of the assets and the securities of the mortgage, and the assets of the securities and the securities of the securities. The fund detects the active and passive financing of the mortgage financing setup. The sum of its obligations under the liquidation of the Ipotek financing establishment is calculated from the sum of the annals and work interest totals in the date of the date the measure was issued to the liquidator. The rights and liabilities of the securities that are due after the discretion of the establishment of the Ipotek financing are determined by the reputation of the securities that are due to be issued. The legal default interest of the Ipotek financing establishment, due to the maturity of the term debt, and other liabilities of 3095 as of the date of the measure, is the statutory default interest in the third party of the Code of Law and the 2nd amendment of the British Law. is executed. If the legislation is issued by the mortgage financing setup, the guarantees are also considered in the account.

The Fund will receive the actual rights holders and credit for the liquidation of the mortgage financing. The records on the board determine the records of the mortgage financing setup, based on the other information and documents that are reliable with the records of the other official and private institutions that this installation is related to. A cancellation case may be filed by the Fund if written in articles 278, 279 and 280 of the Islamic Law and the Islamic Law.

malvarlýðýThe property of the Israeli financing is available to the rights owners involved in the liquidate of the liquidate. it is paid for. However, if the liquidation balance is not satisfied by the completion of these credits, payments will be made from the garage. After all, the credits are due primarily due to public receivances and the liquidation expenses of the Fund, which is the remainder. The balance is allocated to other lenders. If the business of the Ipotek financing establishment fails to comply with the credits and liquidation expenses of the rights holders within the scope of the liquidation, the Fund will provide the disclosure of the mortgage financing with the appropriate view of the Board. request. "

MADDE 18- First fund of article 47 of the 2499 count of Code 47 (A) is the number (5) of the self, and (C) is the current state in which it is known to me.

" 5. To fund capital markets, to the funds covered under the Articles 13 /A and 13 /B; and to the fund board under the items 38 /B and 38 /C; due to capital market activities or to the refuner or to be administered or Whether or not it is under any circumstances, whether it is a rock or a physical, or the capital markets, the cash and the other, whether it's in the interest of itself or the hostage or whatever it is, whatever it is. Whether or not to hide or hide or deny the use of this purpose or to hide these vertifs. The authorities of the legal business, including those in the computer environment, with related real terms, including those held in the computer environment, bonds and bonds. "

" C) The second case of this Law is the second number of articles, 7, 9, 10, 10/A, 11, 12 nci items, 13th. The second, third, fourth, fifth, sixth, tenth, twelfth, twelfth, twelfth, twelfth, and tenth of the 13 /A material, the third, fourth and fifth, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third, third He's the first, second, third, third, fourth and second, 16, 16 /A, of matter of 25th (a), bendine, 28th (b) to the bendine, 34th, Article 38, Article 38, Article 38 /A, 38 /B, third, fourth, seventh, ninth, tenth and twelfth of the article. They are the third, fourth, seventh, ninth, tenth, and twelfth of Article 38 /C under Article 38 /C, and the second and fifth of articles, 40 /B and 40 /D, 45/A, 46 /B, and 46 /C in the article 46. Those who act separately on their items will be fined for a thousand days. They'll be punished. "

MADDE 19- from the fourth fund of the Code 47 /A of the number 2499 Then, the next one is added to the fan.

" Members who do not comply with the liability of the fifth /D material of the law, Turkish Devitation Specialists Union The Board of Directors is fined up to YTL from a thousand YTL. The Union provides a notification to the Fund and the Protection Fund for the allocation and revenue record of the Union. "

MADDE 20- Temporary items that are in place of the number 2499 is added.

" INVALIDATE ARTICLE 10-Turkey's Devitation Experts Union Status is effective from the date of this Law It will be held within two years. Those who have a license to real estate are obligated to join the Enterprise to become a member of the Turkish Dealer Specialists.

These membership negotiations will result in the Board. The board will convene its members of the Union in the first general assembly within a month following the entry of the Union's Department. The cost of the first general institution is set up by the Board to be repaid for the Enterprise after the Union's organs have been established.

INVALIDATE ARTICLE 11-The first of which is held prior to the effective entry of this Article 38 /A of this Law. Consumers who are part of the credit and financial leasing commitments that meet the fund ' s housing finance department, have been involved in the construction of a housing finance setup within three months of the matter, following the effect of this matter. By means of the subject matter of this Act, in Article 38 /A of this Law They may demand to be defiled under the scope of housing finance. Any consumers who do not have a claim within the term are considered to be in the first form of this Law's item 38 /A prior to the effective entry of this clause. Commitments under the Protection of 4077 consumers before the effective entry of this Article are made up of Article 10 of the Law on the Protection of the 4077 count of Consumer Protection in case the debt is paid before the maturity of the debt. The fourth set of provisions are applied.

TEMPORARY ARTICLE 12-Financial leasing companies and financing companies may have a provision of 38 /A of this Law. will not be able to carry out housing finance within six months from the date of the date of entry. "

MADDE 21- dated 23/2/1995 and Consumer Protection of 4077 The right is added to the 3rd item of the Law.

" r) Housing finance setup: 2499 specified in the second fund of the Capital Markets Act, 38 /A installations, "

MADDE 22- The third case of the 4th article of the Code 4077 It has been reported in the following way.

" Malatine-manufacturer, vendor, press, importer, importer, and second of 10 items or item 10 /B. It is responsible for the performance of the loan, the monthly goods, and the consumer's choice of choice in this item. The credit for the ninth phalanx of article 10 /B will result in 1 year and the amount of credit that is available from the claimants ' delivery date of the loan. The responsibility of the loan-giving housing finance establishment continues, even if the loans are overthrown by the ninth chapter of the 10 /B clause by housing finance setups. The board that took over the loan will not be responsible for this scope. If more than one person is responsible for the damage caused by the device, they are responsible. It is not possible to remove this responsibility because it is not known to be the product of the property sold. "

MADDE 23- The third of the 7 nci items of the Code 4077 It has been reported in the following way.

" In the event that the delivery or failure of the goods or services is made or not to be done, The contractor is responsible for the credit, vendor, fish, agency, manufacturer-manufacturer, importer, and fifth-of-the-fifth clause. If the delivery of an all-out and committed residence is never, or should not be done in the course of time, the mortgage lender, selling, sold, sold, bayi, agency, manufacturer, importation, according to the ninth storm of Article 10 /B. is responsible for the amount of credit that is used, together with the amount of credit that is used. The responsibility of the loan-giving housing finance establishment continues, even if the loans are overthrown by the ninth chapter of the 10 /B clause by housing finance setups. The board that took over the loan will not be responsible for this scope. "

MADDE 24- to come after 10 /A of the Code 4077 Item 10 /B is added in the following.

" Housing Finance Commitments

MADDE 10 /B-Loan or lease operations to consumers prior to a commitment to consumers to give general information about it and to give the consumer a Pre-Word Information Form that includes the credit or financial leasing statement they were offered to the consumer. The consumer is free to accept the offer or not.

Coverage of the public information to be issued by the housing finance setups and the Pre-Glossary Information Form It is determined by the Ministry by the view of the standards of the relevant standards. The promise of a pre-verbal exchange of information without passing on a day of consumer is void.

To write housing finance commitments, and to make this commitment to a consumer is mandatory. The number of parties that are envisioned in the statement of the parties may not be affected by the consumer during the term of the term.

If the

debtor is to challenge the loan, the housing finance board owes its debt to the debtor from the date of the debtor. It is obligated to notify you through non-reidemnable mail.

Housing finance install is about to claim the remainder of the remaining debt if no repayments are made. If the save is kept, this right can only be used if the consumer is at least two consecutive payments at the same time. The housing finance setup requires a minimum of one month to use the right to use it to be available for use.

Financial leasing business, following the end of the term given in the consumer ' s muaccalesied warning, housing If the financing of the financing is annulled to use the financial leasing promise to use the right to complete the remaining debt, the residence is obligated to promptly sell the lease. Housing finance is set up for housing ahead of the sale of 2499 Capital Markets Law No. 22 (r) of the first fund (r) of the Capital Markets Act, which gives the authority to the authority or institutions that are authorized to be authorized. The appreciated kiymet is reported to the consumer at least ten days prior to the sale. The housing finance establishment takes into account the recognition of the recognition, and the sale of the residence is real by pretending to be a bassi-tac. The consumer is responsible for the cost of the housing finance installation at the expense of the housing estate. The current debt is paid to the consumer if the price of the housing is to be paid off. 7, 25 and 31 items of the Financial Leap Act of 3226 are not applied in the financial leasing business for residential financing.

The purchase of the residence and the remaining debt of the acquired price are paid to the consumer. Following the transfer of the consumer or the possession of a consumer or possession, the third party is under the obligation to evacuate the residence. If the residence is not evacuated, the housing owner will be on the executive order of 2004, with the 26 ncis and 27th of the British Law on the executive order, with the third party in possession of the consumer or possession of the country. It can be done.

As a guarantee of the financing, housing finance is owed to the debt-based debtor. And without hitting on other collateral, he can't ask for the debt of debt.

tanýmlý2499 is caused by housing finance in the first phase of the Capital Markets Act 38 /A. The housing finance agency, which provides loans in the process, would sell loans if a specific residence was to be purchased or sold by a specific satyr, if the residence was not delivered at all or at the time. together with the consumer, the amount of credit that is used It will be responsible for the subsequent responsibility. The mortgage financing of loans issued by the housing finance board would not allow mortgage funds or mortgage guarantees to be transferred to the security council, even if the mortgage could be transferred to the collateral pool. It continues to be responsible. The board that takes over the loan is not responsible for this scope.

The payments for the housing finance setup are to be paid by a precious document or accept a valuable paper. It's not allowed to be collateral. If this law is to receive a number of precious documents from the consumer, the consumer has the right to reclaim this precious home from the housing finance setup. In addition, housing finance is obligated to indemnify the consumer ' s expense due to the precious phase.

Loans are reimburse for the repayment amounts and lease costs in leasing business. It is considered an interest in the scope of the item.

Interest in loans and leasing for residential financing by specifying in the Glossary The ratio can be determined by the fact that both methods are fixed, or both methods for the fixed or the same credit. If the ratio is determined to be fixed, the number specified in the statement cannot be shared by both parties in common. If the rate is set to be determined, the rate specified in the start of the period is not to address the maximum period of periodic refunds that will be determined at the start of the period again, and will again be determined at the time of the promise of the promised dormitory. Or an index that is widely used as a public acceptance and is widely accepted in the country. Consumers are informed about the potential effects of this method if they are identified as being the current rates. The reference interests and indices that may be used for these purposes are determined by the Republic of Turkey's Central Bank, the way consumers are informed, and the principles are determined by the Ministry.

Consumer has one or more of the same time that it could pay the total amount owed to the housing finance setup. can make multiple payments prior to maturity. In both cases, the housing finance setup is obligated to make the required interest deduction for installments paid before the maturity. For the amount paid, the relevant regulation provisions are applied by the Ministry in the calculation of the required interest deduction and the loan cost rate of the consumer.

If the interest rate is set to a fixed rate, one or more of the payments will be made by providing a place in the In case of construction before the maturity, an early payment fee may be requested from the consumer by the housing finance setup. An early payment fee cannot exceed two percent of the amount that is calculated by making the required interest rate discount and the amount of early paid for the housing finance installation. An early payment fee cannot be charged from the consumer if the rates are determined as they are currently being identified.

Housing finance promises are required to be minimally located:

a) loan amount for mortgage commitments, total rental price for lease commitments,

b) In the subject of a mortgage on loan commitments, financial leasing promises are financial information about the topic that is subject to the lease,

c) The annual interest rate and the annual cost rate (current interest rate and the annual cost of interest rates). rate, and maximum interest rates are calculated for the maximum rate),

d) The total amount of debt is based on the annals, interest and other expenses of interest (currently in interest-related commitments). The total amount of debt to be calculated based on the price of interest or the cost of rent and the maximum interest rate, or the cost of the lease),

e) the index and interest rate or lease costs for the index based on interest-based commitments the calculation method,

f) For the first year, the amount of money paid, paid interest, paid interest for the remaining years, is paid. expenses, the remaining constitution, payment plan for related periods or payment plan (two separate payment plans are generated using the maximum and maximum interest rates),Deðiþkenin the case of the payment plan.

g) The number of repayment or rent payments, payment dates, if the designated payment date is due to an official holiday when the payments will be made, the first and last payment dates,

h) The guarantees that will be made to the public,

i) If payments are to be reconsidered, the interest rate for credit promises is the interest rate of interest. the delay rate for non-passing of the current interest rate in a statement), the rate of delay interest to be applied for financial leasing commitments is due to an interest rate,

j) Legal consequences of debunchery of the bordre,

k) Increases and fixed interest during credit repayments or lease payments prior to maturity. The guidelines for calculating early pay in commitments are, in fact, the basis of the calculation.

l) If the loan or lease costs are to be determined in foreign currency, rent and refunds The calculation of the total amount of debt with the amounts due to the amount of time in which it is under consideration,

m) Who may require full discretion in the housing that is subject to the commitment, and who is the discretion of the party? from the system.

n) Insurance information about the subject that is subject to the conversation if available.

onbeþinciIn periodic payment depayments to be sent to the Consumer, the tenth (d) of the payments were made in mind. The amount of money is included with the current and remaining amount of debt.

In the implementation of this material, the actual partners of the residential building cooperatives are considered consumers. "

MADDE 25- in the second case of the 25th Amendment of the Code 4077 "In a 10/A clause," the phrase "10/A clause" is added to the section.

FinansalMADDE 26- dated 10/6/1985 and number 3226 Financial Lease The following is added to the 15-th article of the law.

" However, it is a tenant in financial leasing business that provides financing for consumers ' housing or yachts. May transfer the lease and/or rights and/or obligations, from the lease, to the receipt of the signed permission. The tenant agreement in the financial leasing business due to this transfer is registered or otherwise within the framework of this Code 8 clause.

The tenant in the financial leasing business covered by housing finance, giving information to rent, financial In the leases, the lease may transfer the property of the property to a financial lease or to a financial lease. "

MADDE 27- dated 2/3/1984 and numbered 2985 to Mass Housing the additional item in the following is added.

" SUPPLEMENTAL ARTICLE 10-The United States will receive a mortgage or a mortgage from the housing sale of the United States. It can be taken over and delegated by the mortgage financing setups. "

MADDE 28- dated 31/12/1960 and 75 of the 193 Laws The second number (1) and (5) are the number of items that are located in the other way in which they are located.

" 1. All kinds of stocks are dividends (as constituent stocks and dividends given to other intifa stocks, and shareholders ' profit for the period of preparation for the period of June, or the Capital Market Law, with any payments on behalf of the shareholders) The interest paid to the export funds and the non-profit securities, which are paid for the export funds, and the assets that are exported, representing the mortgage funds, are paid for the interest, profit, and the assets that are exported to the current financing. including share or similar revenue.); "

" 5. The bond (including mortgage financing installations and mortgagee securities, which are exported by housing finance), and the Treasury bond interest rate, including the mortgagee capital markets, Revenues from the United States, the Public Partner, and the privatisation of the United States, are the revenues (in exchange, or the amount of securities that are denominated in securities of the securities denominated in the United States), which are linked to the United States, the Public Partner, and the Privates. is not counted.); "

MADDE 29- First fund of the 94-point section of the Code 193 (7) the subbent on which the number (e) is to come after the lower self is being added to the current (f) sub-bendi (g) subbendi.

" f) Mortgage financing setups and mortgagee capital to be exported by housing finance. from the profit share and interest income from the market instruments, "

MADDE 30- dated 13/7/1956 and 6802 counts of Expense Taxes Law The 29th item (i) and (u) is the product of which it has been reported and has been added to the item in the following.

" i) Pension commitments, life insurance (in life insurance, accident, disability as a result of disability and death). including promises made as additional collateral for dangerous diseases), and housing insurance and exports in export insurance and export of 2499% of Capital Markets Act 38 /A. statement and policy on the insurance covered by the financing from the top of the server, "

" u) Banks, insurance companies, pension companies, and mortgage financing installations, or The money raised in their favour as a result of overhauling their capital gains over their reputations, "

" y) support for mortgage financing, housing finance installations and housing finance funds, $2499. In the first phase of the Capital Market Law 38 /A, the funds for housing finance described in the scope of housing finance are all related to the lehe received. "

MADDE 31- dated 2/7/1964 and the 59th of the Code of Excluded 492 The first step of the item is the addition of the items that are attached.

" o) $2499 Capital Markets by housing finance setups and mortgage financing setups Facilities to be established in the scope of residential financing, defined in Article 38 /A of the law,

p) $2499 to finance housing finance under article 38 /A of Capital Markets Law Transfer of leased residences to tenants in leases,

r) Mortgage operations to be established due to housing sales by the United States Department of Mass Housing. "

MADDE 32- A) 492% of Law (1) count of number " (A) The "chapter" of the "chapter" of the court's allowance is "the 1st of the year's decision and the" waste of the ". The Nispi levy has been added to the bottom self to come after the child's (e) subbenches.

" f) In cases involving a certain number of cases, and 2499 of the Capital Markets Act, 38 /A In the pursuit of housing finance, which is defined in the first phase, the Mass Housing and the Mass Housing will be provided with the hostage, to be ruled out of the original right regarding the demands of the annulus. 54                                

on the bottom of an understanding topic.                                

The

Council of Ministers has been in a per-year view of this subversion, either in line with or separately from the case of the case. It is authorized to demote up to 10 or until the next time it is written in the Blood. "

B) The "I-Turkish allowance" of the number of "(B) Turkish and bankruptcy allowance" of the number of $492 (1) of the number of people in the Law of Law (1) is under the "3." It has spent a lot of money on executive pursuits, which is obvious: " the bottom bent is added at the end of the end of the story.

" h) from housing finance defined in the first phase of Article 38 /A of the Capital Markets Law of 2499 The collected credits will be provided with the hostage of the United States of Housing and in the pursuit of receivance of the hostage, the allocation allowance specified in this line will be applied to a quarter of the total. "

MADDE 33- A "XI" of the number 8 (8) counted against the Law. The number of financial activity allowance (10) numbers are in effect.

MADDE 34- dated 1/7/1964 and $488 Damga Tax Law (2) the number of "IV-Commercial and civil-related women" section (36) is added to the number (23) and (24) above, and (24) numbers are added to the section of "V-Corporations."

" 36. The receipts and plans for the export of capital markets, housing finance installations, and the mortgage capital markets of these installations, are collateral securities and barrel-making. The issuance of securities that represent financing funds and the receipt of the receipts and eyebrows related to the issue of this issuance. "

" 23. Mortgage financing and housing finance funds are subject to issuance and export of securities that represent mortgage capital tools, asset-guarantee securities and asset financing funds. The receipt and stamp tax on all kinds of entities, including those caused, and must be paid by the stamp tax, or funds.

24. The issuance of the securities and exports of the United States of Mass Housing, including those caused by the subject matter of the subject, are the receipts and receipts that must be paid by this set up, as related to any transaction related to the securities. "

MADDE 35- dated 25/10/1984 and Value Added Tax of 3065 The bent part of the code 17 (4) of the law is added to the number of the following.

" s) 2499 of the Capital Markets Act 38 /A, which is collateral for the purpose of housing financing or mortgage housing, housing finance installations, The public housing, housing financing, housing financing, Mass Housing and the mortgage will be held in this way, with mortgage financing installations or third-place delivery (including those sold at the auction), the Public Housing Department said. Delivery of financing (including the sale at the auction site). "

MADDE 36- enters the current date of this Law.

MADDE 37- The Council of Ministers executes the provisions of this Law.