Additional account interest rates, credit card interest rate 2 times

2.26 percent of the monthly credit card interest rates ', or to fall despite the banks' interest rates to 5 per cent addition to the upcoming rate applied to the account said.
Federation of Consumer Associations (TUDEF) President Sitki Yilmaz, said that 26 of the Law on Bank Cards and Credit Cards According to quarterly re-arranges the Central Bank said that the interest on your credit card.

Last edit the monthly interest on the credit card to enter into force in January 2011 of 2.44 percent from 2.26, or withdrawal from the Friends of expression, this decline in credit card interest rates despite relatively high interest rates of banks said that the additional account.

Close to 5 per cent additional interest rate applied to the account of banks expressed the Friends, said:

''That is nearly 2 times the rate of interest applied to your credit card interest rates. A few years ago, credit card interest rate is 6 percent over the period and an additional interest rate applied to the account appears to be very low çekmiyordu attention. After the entry into force of the Law on Bank Cards and Credit Card credit card interest rates of the Central Bank has passed inspection. Process, we came down the interest rates are determined every three months, were taken. Interest rates on consumer loans, indicating less than 1 percent of the ads showing attractive, interest is applied to account for an additional year to reach 60 per cent is unacceptable.''

-''U.S. AND GERMANY HIGH-INTEREST PENALTY UYGULANIYOR''

Yilmaz, U.S. and Germany for such high interest rates and high penalties for unfair practices was not specified, under the name of the consumer''in Turkey, openly exploited the free market practice. Millions of consumers to be victims, provide unfair advantage over them 'stop' wish you were''he said.

Banks' consumer credit kullandırırken, imzalattırdıkları Retail Banking Services Agreement or under the provision of salaries and wages drop or automatically, depending on the instructions in the additional accounts under various names and highlight the consequences of the consumer's enough bilgilendirilmediğini Yilmaz, said:

If the use of consumer credit by banks,''he offered a payment plan. Adhering to the payments to be made regularly to this plan, and one for defaulted düşülmemesi KMH (credit deposit account), the 'plus or Missing Money Account' under names such as opening additional accounts are said to be for the benefit of consumers. Additional benefits of the account describing the bank officials, the height of the consumer to keep the interest received from the account. Consumer credit kullandırılırken imzalattırılan 'Personal Banking Service Agreement, according to the names of banks in addition to the changing condition of the account are also included. This supplement is very high compared to credit the account used by interest. Some banks also an additional contract because of this condition imzalatmalarına this happened even though the consumer has enough information.''

JUDICIAL ACCOUNTABILITY interest-EK-ROAD

Sitki Yilmaz, the addition of this high interest account due to resort to the judiciary by specifying the path, said:

''The country's economic indicators, inflation rate and gradually drawn down from the high interest rates, despite the additional fahiştir account. This is going to continue to do so if the existing structure in our country can not protect the consumer, banks and financial sector in the face of anxiety will increase and as TUDEF reduce consumers' financial burdens, unfair and unlawful practices of an independent Advisory Board, the need to protect our request there will be justification.''

Additional account interest rates, credit card interest rate 2 times

2.26 percent of the monthly credit card interest rates ', or to fall despite the banks' interest rates to 5 per cent addition to the upcoming rate applied to the account said.

Federation of Consumer Associations (TUDEF) President Sitki Yilmaz, AA correspondent, said 26 of the Law on Bank Cards and Credit Cards According to quarterly re-arranges the Central Bank said that the interest on your credit card.

Last edit the monthly interest on the credit card to enter into force in January 2011 of 2.44 percent from 2.26, or withdrawal from the Friends of expression, this decline in credit card interest rates despite relatively high interest rates of banks said that the additional account.

Close to 5 per cent additional interest rate applied to the account of banks expressed the Friends, said:

''That is nearly 2 times the rate of interest applied to your credit card interest rates. A few years ago, credit card interest rate is 6 percent over the period and an additional interest rate applied to the account appears to be very low çekmiyordu attention. After the entry into force of the Law on Bank Cards and Credit Card credit card interest rates of the Central Bank has passed inspection. Process, we came down the interest rates are determined every three months, were taken. Interest rates on consumer loans, indicating less than 1 percent of the ads showing attractive, interest is applied to account for an additional year to reach 60 per cent is unacceptable.''

-''U.S. AND GERMANY HIGH-INTEREST PENALTY UYGULANIYOR''

Yilmaz, U.S. and Germany for such high interest rates and high penalties for unfair practices was not specified, under the name of the consumer''in Turkey, openly exploited the free market practice. Millions of consumers to be victims, provide unfair advantage over them 'stop' wish you were''he said.

Banks' consumer credit kullandırırken, imzalattırdıkları Retail Banking Services Agreement or under the provision of salaries and wages drop or automatically, depending on the instructions in the additional accounts under various names and highlight the consequences of the consumer's enough bilgilendirilmediğini Yilmaz, said:

If the use of consumer credit by banks,''he offered a payment plan. Adhering to the payments to be made regularly to this plan, and one for defaulted düşülmemesi KMH (credit deposit account), the 'plus or Missing Money Account' under names such as opening additional accounts are said to be for the benefit of consumers. Additional benefits of the account describing the bank officials, the height of the consumer to keep the interest received from the account. Consumer credit kullandırılırken imzalattırılan 'Personal Banking Service Agreement, according to the names of banks in addition to the changing condition of the account are also included. This supplement is very high compared to credit the account used by interest. Some banks also an additional contract because of this condition imzalatmalarına this happened even though the consumer has enough information.''

JUDICIAL ACCOUNTABILITY interest-EK-ROAD

Sitki Yilmaz, the addition of this high interest account due to resort to the judiciary by specifying the path, said:

''The country's economic indicators, inflation rate and gradually drawn down from the high interest rates, despite the additional fahiştir account. This is going to continue to do so if the existing structure in our country can not protect the consumer, banks and financial sector in the face of anxiety will increase and as TUDEF reduce consumers' financial burdens, unfair and unlawful practices of an independent Advisory Board, the need to protect our request there will be justification.''

ECTS - European Credit Transfer and accumulation System

Europe since the fall semester of 2005-2006 academic year the University Credit (ECTS) to be used was decided başlanılmasına.

* The European Union Web Site


EUROPEAN CREDIT TRANSFER SYSTEM (European Credit Transfer System - ECTS)

European Union (EU) under the umbrella of the European countries who want to integrate the application within the framework of common values that put the purpose of Programmes of the European Union, cooperation between countries is developing in all areas. This is the implementation of programs, socio-economic, cultural and scientific fields have contributed to large countries.

They facilitate the mobility of students and the training of overseas students in their own countries to ensure the recognition by the EU, the European Credit Transfer System (ECTS *) has been developed. This booklet, developed with the help of ECTS, how it was implemented, students and higher education institutions to offer and what information is given about the problems encountered in implementation.

Need to Know About ECTS pdf file

DS (Diploma Supplement - the Diploma Supplement)

The DS came with a diploma degree and degree level and have given people, aiming to give detailed information about the content and function of an international document. This document also contains information describing the national education system.

Diploma Supplement is a document in addition to diploma, degree and can not be used instead, but with a valid diploma.

Diploma Supplement is one of the most important goals is to increase the transparency of higher education degrees, and therefore the evaluation of academic and professional perspective to provide a fair and impartial manner. DS is not in any jurisdiction or to propose.

The Diploma Supplement is prepared in English and all students at Anadolu University graduation is given for free.

Example of Diploma Supplement

* License
* Master of Science


For more information:
Student Affairs
Rector of Anadolu University
26470 Eskisehir

E-mail: oidb@anadolu.edu.tr
Tel: +90 222 3307437
Fax: +90 222 3353616

After that 90 percent of houses do not have credit, PROHIBITED

Banking Regulation and Supervision Agency (BRSA), banks' lending rates seen yükseldiğinin acted upon. Executive Committee, to be effective from 1 January 2011 will the banks for housing loans, credit the amount of 75 per cent of the value of real estate, commercial real estate loans for purchase of real estate value of the collateral will be the subject has decided to not exceed 50 percent.

BRSA Chairman Tevfik Bilgin, "The main reason for the crises in the world of all mortgage loans has a large majority. The important thing is not the start of a job after graduating to take a precaution." saying that they think will grow more robust measures in this sector was expressed. BRSA in a statement, also to be used in determining this limit, which is the subject collateral value of residential or commercial real estate valuation companies authorized by the BRSA and the CMB has been detected in the received information being given to the compulsory decision.

December 18, 2010 CUMARTESİResmî GazeteSayı: 27,789

COUNCIL DECISION

Banking Regulation and Supervision Agency:

BANKING REGULATION AND SUPERVISION BOARD DECISION

Decision Number: 3980 Decision Date: 16/12/2010

Attached letter dated 16/12/2010 sent to the Presidency of the Committee dated 16/12/2010 and numbered 26127 B.02.1.BDK.0.06.00.00.8-examination of text and attachments as a result of

With Article 43 of the Banking Law No. 5411 dated 01.11.2006 and published in the Official Gazette No. 26333 of the Regulation on Banks' Equity of the first paragraph of Article 10 (e) of paragraph based on the authority;

1 - as of 1/1/2011;

a) in order to obtain housing loans to consumers with kullandırılacak kullandırılacak consumer loans under the housing bond, the value of property taken as collateral, the rate of 75% of the loan amount,

b) The purchase of commercial real estate as collateral for the loan amount kullandırılacak tally of commercial real estate value of commercial loans 50%

with the limitation, to limit the issue of valuation of real estate as collateral for loans from the Board or authorized by the Capital Markets Board yaptırılmasına appraisal companies, and limiting the use of these values,

2 - subject to limitation as collateral for loans from the valuation of real estate appraisal companies authorized by the Board deems the Capital Markets Board, or if the entire loan amount, the limit is exceeded, the excess credit in the calculation of the amount deducted from the capital as the value of banks' own funds taking into account,

3 - for loans subject to limitation, in the Official Gazette No. 26333 dated 01.11.2006 issued under the provisions of the Regulation Regarding Measurement and Assessment of Capital Adequacy of Banks, were subjected to 50% lower risk weight in the presence of a collateral, the collateral The second paragraph in accordance with the value of the deduction of amounts deducted from the capital value and thus will be subject to a positive value in the calculation of equity capital within the framework of the second paragraph shall be reduced as the value taken into account,

4-5411 of the eighth paragraph of Article 87 of the Banking Law in the Official Gazette, the publication of this Decision

has been decided.

The Central Bank lowered interest rates by a maximum of credit card transactions to be implemented.

The Central Bank lowered interest rates by a maximum of credit card transactions to be applied. Banking Regulation and Supervision Agency in the regulation of credit card minimum payments went into effect today. Sorted by the payment problem, residents unable to withdraw cash.

Published in today's issue of the Official Gazette and will be implemented 1 January 2011 Communiqué, the monthly maximum contractual interest rate credit card transactions, the Turkish lira to 2.44 percent from 2.26 percent 'or downloaded. This rate, 2.02 per cent instead of 2.54 percent for U.S. dollars, Euros instead of 2.30 percent to 1.90 percent, respectively.

Monthly maximum default interest rate reduction after the new rates, the Turkish lira to 2.76 percent, 2.52 percent in U.S. dollars, were found to be 2.40 percent for the euro. Monthly maximum default interest rate, currently 2.94 per cent for the Turkish Lira, U.S. Dollar 3.11 per cent for the Euro to 2.82 percent is applied to

Banks in accordance with relevant regulations, freely able to determine the interest rates not to exceed these rates. Maximum interest rates, determined by the Central Bank in a period of 3 months.

MINIMUM PAYMENT SYSTEM

Credit card minimum payment amount to be drawn up to 40 percent. Shot 3 times less than half the debt will not make the card that pays cash.

Banking Regulation and Supervision Agency,''Amending the Regulation on Bank Cards and Credit Regulations'', published in the Official Gazette in the number of officially went into effect.

Regulation is applied as a credit card minimum payment amount is still 20 percent, can be upgraded to up to 40 percent. Regulation, the minimum payment amounts were related to two separate arrangement. Multiples of existing credit cards with the new credit will be applied to different minimum payment requirements.

Determined according to the card limit

Accordingly, the minimum amount to be paid, your credit card limit of up to 15 thousand Turkish Lira term debt on credit cards 25 per cent, the limit of 15 thousand to 20 thousand Turkish Lira Turkish Lira-term debt of up to 30 percent on credit cards, credit card limit on credit cards is over 20 thousand Turkish Lira and 40 percent of term debt and use credit cards allocated to the new deadline of one year from the date of the beginning of the period until the debt can not be down 40 percent.

The minimum amount to be paid, your credit card limit of up to 15 thousand Turkish Lira term debt to about 25 per cent of credit cards, your credit card limit of 15 thousand to 20 thousand Turkish Lira Turkish Lira-term debt of up to 30 percent on credit cards, your credit card limit about credit cards is over 20 thousand Turkish Lira and 40 percent of term debt and use credit cards allocated to the new deadline of one year from the date of the beginning of the period until the debt down to 40 percent of this amount and the bank will not be able to determine at least at the minimum payment amount .

From today APPLICABLE

According to the amendment of the Regulation, except for credit cards will be the new minimum rates of pay as of today 24 months, according to credit card limits by at least 22 per cent increase up to 35 percent of the very process of envisioning an adjustment to be applied.

Regulation under the branches of another amendment through the appeals relating to the cancellation of the card, which at the time of receipt of this demand is the branch of a document signed by the authorities canceled or completed claim form must be an instance of the card holder was kept.

CASH SHOOT

Credit card debt 3 times in a calendar year, less than half of term debt to be taken from the payer the right to withdraw cash. It also limits the period of credit cards to pay the entire debt arttırılamayacak.

On the other hand, the regulation of this Article 6 months after the entering into force, other substances came into force from today.

BRSA, the credit card minimum payment credit card rate of 20 percent to 40 percent of the stride. Odds, according to the card limit to be defined.

Credit card usage could go up quickly, increased the minimum payment limits. Pays 20 percent of total debt to the past, with new applications that were removed to 40 percent. Card debt 3 times in one year-term debt to less than half will come right to withdraw cash payer.

Emerging recovery in the economy with successive measures to reduce the risks explained. Following the decision the previous day's rate cut yesterday at the Central Bank's Banking Regulation and Supervision Agency (BRSA), and took the credit card as well as new decisions for housing loans.

The statement made by the Central Bank for the previous day, the current conjuncture of internal and external demand, growth rates of decomposition and increase the current account deficit, rapid credit expansion, which in turn brought about the risks to financial stability is emphasized. That is an increase in loans growth, rising consumption turns, which make imports is causing more companies to increase production.

GROWS ON CURRENT

The Central Bank noted in the description "quick-credit expansion" corresponds to the risk of BRSA, yesterday announced measures to slow down the growth rate of credit card and housing loans. Here are measures taken by the BRSA in loans for growth:

1 - Credit card minimum payment amount from 20% to 40% output

Credit card minimum payment amount to be drawn up to 40 percent. Card debt to pay 3 times less than half, unable to withdraw cash. Banking Regulation and Supervision Agency (BRSA), "Amending the Regulation on Bank Cards and Credit Cards" Regulation in the Official Gazette was published in yesterday's edition.
Regulation is applied as a credit card minimum payment amount is still 20 percent, can be upgraded to up to 40 percent.
Regulation, the minimum payment amounts were related to two separate arrangement. Multiples of existing credit cards with the new credit will be applied to different minimum payment requirements.

TIME OF COMPLIANCE WITH APPLICABLE

Accordingly, the minimum amount to be paid, your credit card limit credit cards of up to 15 thousand Turkish lira, about 25 percent of term debt, the limit of 15 thousand to 20 thousand Turkish Lira Turkish Lira-term debt on credit cards of up to 30, your credit card limit credit cards is over 20 thousand Turkish Lira and about 40 percent of term debt and use credit cards allocated to the new deadline of one year from the date of the beginning of the period until the debt can not be down 40 percent.

According to the amendment of the Regulation, except for credit cards will be the new minimum pay rates starting from today until the 24th month, according to credit card limits by at least 22 per cent increase up to 35 percent of the very process of envisioning an adjustment to be applied.

6 MONTHS AFTER THE CASH LIMIT

Regulation under the branches of another amendment through the appeals relating to the cancellation of the card, which at the time of receipt of this demand is the branch of a document signed by the authorities canceled or completed claim form must be an instance of the card holder was kept.

Credit card debt 3 times in a calendar year, less than half of term debt to be taken from the payer the right to withdraw cash. It also limits the period of credit cards to pay the entire debt artırılamayacak. Regulation, this clause will go into effect after 6 months, and other articles entered into force yesterday.

2 - The amount of the loan will not exceed 75% of the value of real estate

Banking Regulation and Supervision Agency (BRSA), on the banks' lending rates yükseldiğinin seen, to be effective from 1 January 2011 will the banks for housing loans, credit the amount of 75 per cent of the value of real estate, commercial real estate loans as collateral for purchase of the subject real estate value will not exceed 50 percent of the decided.

BRSA Chairman Tevfik Bilgin, the banking sector is important in the future of housing loans, said: "This is a matter of 2-3 months working on. Banks in this direction, taking into account the trend of healthy growth of this sector and we want to grow even more than the initial phase of home loans to the need to take this measure, we heard, "he said.

Bilgin, "The main reason for the crises in the world of all mortgage loans has a large majority. Once you start a business, not take measures that are important ", saying that they think will grow more robust measures in this sector was expressed.

The determination of this limit will be based on the statement made by BRSA also subject to collateral value of housing or commercial real estate valuation companies authorized by the BRSA or the CMB has been detected in the received information being given to the compulsory decision.

The Central Bank lowered interest rates on credit card

The Central Bank, the maximum interest rates apply to credit card transactions went to change. A statement, the Turkish lira denominated credit card transactions monthly maximum contractual interest rate applied to 2.26 per cent 'or the monthly maximum default interest rate of 2.76 per cent' were either reduced expression. To be effective from 1 January 2011 monthly maximum contractual interest rate applied to credit card transactions, for U.S. $ 2:02 per cent and 1.90 per cent for the euro, respectively.

Within a year three times in less than 50 percent of credit card debt to have paid no cash withdrawal

Credit cards sent to the Prime Ministry for publication in the Official Gazette by the amendment is virtually under martial law.

Banking Regulation and Supervision Agency (BRSA), has been working on a credit cards 'payment rate' to raise the finished work of envisioning about editing.

4 Two of the main substance of the executive regulations for a total of 6 items change, as currently applied by 20 percent to 40 percent raised the minimum payment amount.

Regulation, the regulation was reformed in payment of credit card debt. Accordingly, three times in a year that pays less than 50 percent of the consumer credit card debt, cash withdrawal will be taken right away.

In addition, frozen in the credit card limit. Change of regulation, the minimum payment amounts related to two separate editing took place. Accordingly, the existing credit cards, credit cards will be different with the new minimum payment requirements apply.

25 PERCENT OF THE MINIMUM PAYMENT

According to the first amendment to the Regulation, the new limit will be 15 thousand pounds credit cards card credit card minimum payment amount will be up to 25 percent will be implemented.

Credit card limit is between 15 thousand pounds thousand pounds to 20 cards minimum payment amount is applied to 30 percent. 20 thousand pounds and the limit on credit cards, the minimum payment amount will be 40 percent.

In the current situation, as 20 percent of all credit card debt minimum payment amount is applied.

New credit cards will be the minimum payment amount varies according to the limit as 25 percent and 40 percent to be applied.

Current credit card minimum payment amount, the limit of up to five thousand pounds at cards, issued a year later to 22 percent. Payment amount will increase with increasing the limit.
The current minimum credit card payments will be increased gradually.
Within a year three times in less than 50 percent of the debt is paid credit cards, cash and limit the increase of gravity to close.

LIMITS OF PAYMENT AMOUNTS WILL BE HOW MUCH?

Limit of up to five thousand pounds for a year credit cards minimum payment amount by 20 percent, will rise to 22 per cent at the end of the year.
Limit the credit cards between 5-15 thousand pounds in the six-month period will be given to consumers. Within 6 months, 20 percent of the minimum payment, then will be 22 percent.
Limit the credit cards between 15-20 thousand pounds in payment of the amount required, apply to the first six months 20 percent, will rise to 22 percent in the second six months. Third six months, 25 per cent, to 28 percent in the fourth will be released every six months.
Limit of 20 thousand lira credit cards over the minimum payment amount will be increased in the six-month segments. 20 percent of the amount to be applied in the first six months, 22 percent, 25 percent, 28 percent, 30 percent to 35 percent and will be upgraded.

CANCELLATION OF CREDIT CARD TO BE UNDER CONTROL

Credit card cancellation also be under control. An example of the application is made on the subject to the consumer may cancel the request form. The event of cancellation, the consumer can complain about the bank this form.

Regulation, the minimum payment will increase gradually, as existing credit cards, compulsory payment amount will be increased gradually. Currently being used in four separate arrangement was made with credit cards.

Housing loans comes bounding

BRSA plans to limit housing loans.

Steps taken to cool the economy than a new one added. Finally, the BRSA plans to limit housing loans. Accordingly, the amount of housing loans not exceed 75 per cent of the amounts of real estate. Detailed review on the subject who is 3 months BRSA, due to competition from banks, mortgage loans, announced a 80 percent-100 has been received.

'what to do to avoid future regret'
Chairman of the BRSA private statements HT'ye Bloomberg Dinc Bilgin, "Competition and market share trend of loans raised concern with the benches. For this reason, we do whatever necessary to avoid future regret. housing loans in the future of banking in Turkey is very important. Now, a licensed real estate companies ekspertizlerini BRSA and the CMB can do, "he said.

Christmas loans are the most affordable

Maybe its the speed of approaching banks won the race. New Year's Eve entertainment opportunities arising from the need for cash in the banks who repeatedly has started to make new year's campaigns. There is also giving credit to 00:38 per cent interest rate, interest-free in giving, not the cost of any file ...