{"id":1185,"date":"2025-06-27T06:51:57","date_gmt":"2025-06-27T03:51:57","guid":{"rendered":"https:\/\/www.icrarehberi.com\/?p=1185"},"modified":"2025-06-27T06:51:58","modified_gmt":"2025-06-27T03:51:58","slug":"kambiyo-takibi-yapip-ipcy-ile-takibe-gecmeyen-alacaklidan-alinacak-harc-oranina-dair-gorusumuz","status":"publish","type":"post","link":"https:\/\/www.icrarehberi.com\/index.php\/2025\/06\/27\/kambiyo-takibi-yapip-ipcy-ile-takibe-gecmeyen-alacaklidan-alinacak-harc-oranina-dair-gorusumuz\/","title":{"rendered":"Kambiyo Takibi Yap\u0131p \u0130P\u00c7Y ile Takibe Ge\u00e7meyen Alacakl\u0131dan Al\u0131nacak Har\u00e7 Oran\u0131na Dair G\u00f6r\u00fc\u015f\u00fcm\u00fcz"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>\u0130cra M\u00fcd\u00fcrl\u00fcklerinde \u00e7ok s\u0131k kar\u015f\u0131la\u015f\u0131lan teredd\u00fctl\u00fc durumlardan<\/strong>&nbsp;biri, ipotek (rehin) alacakl\u0131s\u0131n\u0131n muaccel alaca\u011f\u0131 i\u00e7in ipote\u011fin (rehnin) paraya \u00e7evrilmesi yoluyla takibe ge\u00e7meyip bu alaca\u011f\u0131 i\u00e7in bor\u00e7ludan ald\u0131\u011f\u0131 kambiyo senedini takibe koyarak kambiyo senetlerine \u00f6zg\u00fc haciz yoluyla takibe ge\u00e7mesi ve ipotekli (rehinli) mal\u0131n sat\u0131\u015f\u0131 s\u0131ras\u0131nda ipotek alacakl\u0131s\u0131 s\u0131fat\u0131yla alaca\u011f\u0131na mahsuben ihaleye kat\u0131lmas\u0131 ya da mahcuzun \u00fc\u00e7\u00fcnc\u00fc bir ki\u015fiye ihalesi sonras\u0131 alacakl\u0131ya ipotek (rehin) alacakl\u0131s\u0131 s\u0131fat\u0131yla \u00f6deme yap\u0131lmas\u0131 s\u0131ras\u0131nda harc\u0131n hangi oran (% 2,27 veya %11,38) \u00fczerinden al\u0131nmas\u0131 gerekti\u011fi hususudur. Bu konuya ilgili gerek\u00e7eli de\u011ferlendirmemiz a\u015fa\u011f\u0131daki gibidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>*\u0130cra ve \u0130flas Kanunu M. 45&nbsp;<\/strong>&#8220;<em>Rehinle temin edilmi\u015f bir alaca\u011f\u0131n bor\u00e7lusu iflasa tabi \u015fah\u0131slardan olsa bile alacakl\u0131 yaln\u0131z rehinin paraya \u00e7evrilmesi yoliyle takip yapabilir. &#8230;. Police ve emre muharrer senetlerle \u00e7ekler hakk\u0131ndaki&nbsp;<strong>167 nci madde h\u00fckm\u00fc<\/strong>&nbsp;mahfuzdur.<\/em>&#8220;<br><strong>*\u0130cra ve \u0130flas Kanunu M. 167<\/strong>&nbsp;&#8220;<em><strong>Alaca\u011f\u0131 \u00e7ek, poli\u00e7e veya emre muharrer senete m\u00fcstenit olan alacakl\u0131, alacak rehinle temin edilmi\u015f olsa bile<\/strong>, bu b\u00f6l\u00fcmdeki hususi usullere g\u00f6re haciz yolu ile veya bor\u00e7lu iflasa tabi \u015fah\u0131slardan ise iflas yolu ile takipte bulunabilir.<\/em>&#8220;<br><strong>*\u0130cra ve \u0130flas Kanunu M. 125\/3<\/strong>&nbsp;&#8220;<em><strong>Ta\u015f\u0131nmaz rehinle temin edilmi\u015f<\/strong>&nbsp;muaccel bor\u00e7lar, m\u00fc\u015fteriye devredilmeyip&nbsp;<strong>sat\u0131\u015f bedelinden tercihen \u00f6denir<\/strong><\/em>&#8220;<br><strong>*Har\u00e7lar Kanununa ekli (1) Say\u0131l\u0131 Tarife B-1-3e&nbsp;<\/strong>g\u00f6re &#8220;<strong>Takip talebi bulunmayan alacakl\u0131lara<\/strong>&nbsp;\u0130cra ve \u0130flas Kanununun 125 inci maddesinin 3 \u00fcnc\u00fc f\u0131kras\u0131 gere\u011fince \u00f6denen paralardan&nbsp;<strong>%2,27<\/strong>&#8221; oran\u0131nda har\u00e7 al\u0131n\u0131r.<br><strong>*Har\u00e7lar Kanununa ekli (1) Say\u0131l\u0131 Tarife B-1-3c<\/strong>&nbsp;g\u00f6re &#8220;<strong>Haczedilen veya rehinli mallar\u0131n sat\u0131l\u0131p<\/strong>&nbsp;paraya \u00e7evrilmesi suretiyle tahsil olunan paralardan<strong>&nbsp;%11,38<\/strong>&#8221; oran\u0131nda har\u00e7 al\u0131n\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Yukar\u0131da yer verdi\u011fimiz Kanun maddelerinden yola \u00e7\u0131karak a\u015fa\u011f\u0131daki \u015fekilde de\u011ferlendirme yapabiliriz.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Takip talebi BULUNMAYAN alacakl\u0131ya<\/strong>&nbsp;ta\u015f\u0131nmaz rehniyle (ipotek) temin edilen muaccel&nbsp;<strong>alaca\u011f\u0131 \u00f6denirken %2,27 oran\u0131nda har\u00e7<\/strong>&nbsp;al\u0131nmas\u0131 gerekir ancak&nbsp;<strong>takip talebi BULUNAN alacakl\u0131ya<\/strong>&nbsp;ta\u015f\u0131nmaz rehniyle temin edilen muaccel&nbsp;<strong>alaca\u011f\u0131 \u00f6denirken (sat\u0131\u015f bedelinden) %11,38 oran\u0131nda har\u00e7<\/strong>&nbsp;al\u0131nmas\u0131 gerekir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kanunda &#8220;<strong>Takip talebi bulunmayan alacakl\u0131lara&#8230;<\/strong>&#8221; \u015feklinde bir ifade kullan\u0131lm\u0131\u015ft\u0131r.&nbsp;<strong>Di\u011fer bir ifadeyle &#8220;rehnin (ipote\u011fin) paraya \u00e7evrilmesi yolu ile takip talebi bulunmayan&#8221; \u015feklinde takip t\u00fcr\u00fc k\u0131s\u0131tlamas\u0131na yer verilmemi\u015f<\/strong>&nbsp;daha genel bir ifadeye yer verilmi\u015ftir.&nbsp; Sat\u0131\u015f bedeli \u00f6denirken&nbsp;<strong>%2,27 oran\u0131nda har\u00e7 al\u0131nmas\u0131 i\u00e7in<\/strong>&nbsp;alacakl\u0131ya&nbsp;<strong>ta\u015f\u0131nmaz rehniyle temin edilen alaca\u011f\u0131n\u0131n \u00f6denmesi yan\u0131nda alacakl\u0131n\u0131n bu alaca\u011f\u0131 i\u00e7in takip talebinde bulunmam\u0131\u015f<\/strong>&nbsp;olmas\u0131 gerekir. KANUN, alacakl\u0131ya ta\u015f\u0131nmaz rehniyle teminat alt\u0131na al\u0131nan&nbsp;<strong>alaca\u011f\u0131 i\u00e7in yaln\u0131zca \u0130P\u00c7Y ile takip yapma zorunlulu\u011fu getirmemi\u015f, (\u0130\u0130K m. 167) elinde bu alacak i\u00e7in kambiyo senedi bulunan alacakl\u0131n\u0131n se\u00e7imlik hakk\u0131n\u0131 kullanarak kambiyo senetlerine \u00f6zg\u00fc takip de yapabilece\u011fini<\/strong>&nbsp;d\u00fczenlemi\u015ftir. Ancak rehinle teminat alt\u0131na al\u0131nm\u0131\u015f ve ayr\u0131ca kambiyo senedine de ba\u011flanm\u0131\u015f alaca\u011f\u0131n tahsili amac\u0131yla, bor\u00e7lu aleyhine tahsilde tekerr\u00fcr olmamak kayd\u0131 ile&nbsp;<strong>ayn\u0131 anda ve s\u0131ra g\u00f6zetilmeksizin hem rehnin paraya \u00e7evrilmesi yolu ile, hem de kambiyo senetlerine mahsus haciz yolu ile takip yap\u0131lamaz<\/strong>&nbsp;(<strong>Yarg\u0131tay \u0130BBGK T:20\/01\/2023, E. 2021\/2 K. 2023\/1<\/strong>). Bu nedenle&nbsp;<strong>ayn\u0131 alacak i\u00e7in<\/strong>&nbsp;ya \u0130P\u00c7Y ile takip ya da kambiyo senetlerine \u00f6zg\u00fc takip t\u00fcrlerinden birinin se\u00e7ilmesi gerekir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>SONU\u00c7<\/strong>&nbsp;olarak&nbsp;<strong>ta\u015f\u0131nmaz rehniyle temin edilen alacak y\u00f6n\u00fcnden kambiyo senetlerine \u00f6zg\u00fc haciz yoluyla takip yapan alacakl\u0131ya&nbsp;sat\u0131\u015f sonras\u0131 ipotek alacakl\u0131s\u0131 s\u0131fat\u0131 ile \u00f6deme yap\u0131l\u0131rken (yada alaca\u011fa mahsuben al\u0131\u015fta)&nbsp;<em>-bu alacak i\u00e7in kambiyo senetlerine \u00f6zg\u00fc haciz yoluyla takipte bulunuldu\u011fundan-<\/em><\/strong>&nbsp;Har\u00e7lar Kanununa ekli (1) Say\u0131l\u0131 Tarife B-1-3e g\u00f6re (%2,27) de\u011fil de&nbsp;<strong>B-1-3c&#8217; ye g\u00f6re %11,38 oran\u0131nda har\u00e7<\/strong>&nbsp;al\u0131nmas\u0131 gerekir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu konuda yerle\u015fik yarg\u0131 i\u00e7tihatlar\u0131 %2,27 oran\u0131nda har\u00e7 al\u0131nmas\u0131 y\u00f6n\u00fcnde idi ancak biz yukar\u0131da a\u00e7\u0131klad\u0131\u011f\u0131m\u0131z gerek\u00e7elerle bu i\u00e7tihatlara kat\u0131lm\u0131yoruz. Ayr\u0131ca&nbsp;<strong>bu konuda gerek\u00e7esi farkl\u0131 ancak sonucu ayn\u0131 olan Yarg\u0131tay 12. HD&#8217;nin g\u00fcncel bir karar\u0131 ise \u015f\u00f6yledir.<\/strong><em>&#8220;Alacakl\u0131 \u015e&#8230;.&nbsp; T.A.\u015e. taraf\u0131ndan ba\u015flat\u0131lan&nbsp;<strong>kambiyo senetlerine mahsus haciz yoluyla takipte hacizli ta\u015f\u0131nmaz\u0131n&nbsp;<\/strong>4.430.000,00 TL bedelle alaca\u011fa mahsuben ihale edildi\u011fi, icra m\u00fcd\u00fcrl\u00fc\u011f\u00fcnce sat\u0131\u015f bedeli \u00fczerinden %11,38 oran\u0131nda tahsil harc\u0131 al\u0131nd\u0131\u011f\u0131, alacakl\u0131n\u0131n 26.07.2021 tarihli talebi ile ta\u015f\u0131nmazda&nbsp;<strong>banka lehine 18.450.000,00 TL bedelli ipotekler bulunmas\u0131 ve ta\u015f\u0131nmaz\u0131n ipotek alaca\u011f\u0131na mahsuben al\u0131nmas\u0131 nedeniyle tahsil harc\u0131n\u0131n %2,27 oran\u0131nda al\u0131nmas\u0131 gerekti\u011finden fazladan al\u0131nan<\/strong>&nbsp;403.573,00 TL&nbsp;<strong>tahsil harc\u0131n\u0131n iadesi isteminin icra m\u00fcd\u00fcrl\u00fc\u011f\u00fcn\u00fcn<\/strong>&nbsp;13.08.2021 tarihli karar\u0131 ile&nbsp;<strong>reddedildi\u011fi<\/strong>&nbsp;g\u00f6r\u00fclm\u00fc\u015ft\u00fcr.&nbsp;<strong>Her ne kadar ALACAKLI TARAFINDAN \u0130POTE\u011e\u0130N PARAYA \u00c7EVR\u0130LMES\u0130 YOLUYLA TAK\u0130P&nbsp;<u>YAPILMAMI\u015e<\/u>&nbsp;\u0130SE DE elde edilen para Devletin cebri icra organlar\u0131 vas\u0131tas\u0131yla yap\u0131lan sat\u0131\u015ftan elde edilmi\u015f oldu\u011fundan, 492 say\u0131l\u0131 Har\u00e7lar Kanunu ekli 1 say\u0131l\u0131 tarifenin B.I\/3-c bendine g\u00f6re %11,38 ORANINDA TAHS\u0130L HARCI al\u0131nmas\u0131<\/strong>&nbsp;gerekir.&#8221; (<strong>Yarg\u0131tay 12. HD. T:02.10.2024, E:2024\/2566, K:2024\/8025<\/strong>)<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00d6zg\u00fcr KOCA<br>\u0130cra M\u00fcd\u00fcr\u00fc<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0130cra M\u00fcd\u00fcrl\u00fcklerinde \u00e7ok s\u0131k kar\u015f\u0131la\u015f\u0131lan teredd\u00fctl\u00fc durumlardan&nbsp;biri, ipotek (rehin) alacakl\u0131s\u0131n\u0131n muaccel alaca\u011f\u0131 i\u00e7in ipote\u011fin (rehnin) paraya \u00e7evrilmesi yoluyla takibe ge\u00e7meyip bu alaca\u011f\u0131 i\u00e7in bor\u00e7ludan ald\u0131\u011f\u0131 kambiyo senedini takibe koyarak kambiyo senetlerine \u00f6zg\u00fc haciz yoluyla takibe ge\u00e7mesi ve ipotekli (rehinli) mal\u0131n sat\u0131\u015f\u0131 s\u0131ras\u0131nda ipotek alacakl\u0131s\u0131 s\u0131fat\u0131yla alaca\u011f\u0131na mahsuben ihaleye kat\u0131lmas\u0131 ya da mahcuzun \u00fc\u00e7\u00fcnc\u00fc bir ki\u015fiye [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1170,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[260],"tags":[],"class_list":["post-1185","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gorus"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kambiyo Takibi Yap\u0131p \u0130P\u00c7Y ile Takibe Ge\u00e7meyen Alacakl\u0131dan Al\u0131nacak Har\u00e7 Oran\u0131na Dair G\u00f6r\u00fc\u015f\u00fcm\u00fcz - \u0130cra Rehberi<\/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:\/\/www.icrarehberi.com\/index.php\/2025\/06\/27\/kambiyo-takibi-yapip-ipcy-ile-takibe-gecmeyen-alacaklidan-alinacak-harc-oranina-dair-gorusumuz\/\" \/>\n<meta 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