{"id":5817,"date":"2019-12-29T11:02:43","date_gmt":"2019-12-29T11:02:43","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=5817"},"modified":"2024-09-18T12:50:43","modified_gmt":"2024-09-18T12:50:43","slug":"daini-murtehin-nedir","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/yasa\/daini-murtehin-nedir\/","title":{"rendered":"Daini M\u00fcrtehinin Amac\u0131 Nedir, Nas\u0131l Kald\u0131r\u0131l\u0131r?"},"content":{"rendered":"\n<p>Daini m\u00fcrtehin, ad\u0131 pek bilinmese bile asl\u0131nda kredi \u00e7ekildi\u011finde s\u0131kl\u0131kla kar\u015f\u0131la\u015f\u0131lan bir bu sigorta kavram\u0131. Gelin \u015fimdi, s\u0131kl\u0131kla kar\u015f\u0131la\u015ft\u0131\u011f\u0131m\u0131z daini m\u00fcrtehinin anlam\u0131n\u0131, amac\u0131n\u0131 ve hakk\u0131nda bilmeniz gereken di\u011fer bilgileri s\u0131ralamaya ba\u015flayal\u0131m.\u00a0<\/p>\n\n\n\n<!--more-->\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1603046330001\"><strong class=\"schema-faq-question\"><strong>Daini M\u00fcrtehin Nedir?<\/strong><\/strong> <p class=\"schema-faq-answer\"><br\/>S\u00f6zl\u00fck anlam\u0131 olarak dain \u201calacakl\u0131\u201d, m\u00fcrtehin ise \u201crehin\u201d anlam\u0131na gelir. Daini m\u00fcrtehin uygulamas\u0131, bir riskin ger\u00e7ekle\u015fmesi durumunda, alacakl\u0131n\u0131n haklar\u0131n\u0131 korumak ad\u0131na yap\u0131labilir.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1603046339652\"><strong class=\"schema-faq-question\"><strong>Daini M\u00fcrtehinin Amac\u0131 Nedir?<\/strong><\/strong> <p class=\"schema-faq-answer\"><br\/>Daini m\u00fcrtehin uygulamas\u0131n\u0131n amac\u0131, alacakl\u0131n\u0131n kendini teminat alt\u0131na almak istemesidir. \u00d6rne\u011fin ara\u00e7 kredisi ile araba ald\u0131\u011f\u0131n\u0131z\u0131 ve bu araca kasko yapt\u0131rd\u0131\u011f\u0131n\u0131z\u0131 varsayal\u0131m. Bu durumda kredi borcunuzun oldu\u011fu banka, olu\u015fturulacak kasko sigortas\u0131 poli\u00e7esinde \u201cdaini m\u00fcrtehin\u201d olarak yer al\u0131r. Di\u011fer bir deyi\u015fle kasko sigortas\u0131 teminatlar\u0131 ile g\u00fcvence alt\u0131na al\u0131nm\u0131\u015f olumsuz bir durum ya\u015fand\u0131\u011f\u0131nda sigorta \u015firketi, finans kurulu\u015funa \u00f6deme yapar.\u00a0<br\/>Daini m\u00fcrtehin, maddi olarak zarar g\u00f6rebilece\u011fi durumlarda, alacakl\u0131n\u0131n mal \u00fczerindeki hak ve menfaatlerinin korunmas\u0131n\u0131 sa\u011flar. Sigorta \u015firketi, riskin ger\u00e7ekle\u015fmesi halinde \u00f6demeyi daini m\u00fcrtehine yapabilir.<br\/>Daini m\u00fcrtehin, kasko sigortas\u0131n\u0131n yan\u0131 s\u0131ra konut sigortalar\u0131nda da yer alabilir. \u00d6rne\u011fin bir bankadan konut sigortas\u0131 \u00e7ekmek isteyen birini d\u00fc\u015f\u00fcnelim. Bu ki\u015finin hayat sigortas\u0131 varsa ya da konut sigortas\u0131n\u0131 \u00e7ekerken bir hayat s\u00f6zle\u015fmesinde banka daini m\u00fcrtehin olarak ge\u00e7iyorsa vefat gibi bir durum sonras\u0131nda sigorta ettirenin ailesi, bankaya \u00f6deme yapmak durumunda kalmayabilir. \u00c7\u00fcnk\u00fc \u00f6denmesi gereken kredi borcu, sigorta \u015firketi taraf\u0131ndan bankaya \u00f6denebilir.<\/p> <\/div> <\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2020\/03\/daini-murtehin-nasil-kaldirilir.jpg\" alt=\"Daini M\u00fcrtehin Nas\u0131l Kald\u0131r\u0131l\u0131r\" class=\"wp-image-5819\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2020\/03\/daini-murtehin-nasil-kaldirilir.jpg 1000w, https:\/\/www.mapfre.com.tr\/blog\/media\/2020\/03\/daini-murtehin-nasil-kaldirilir-300x150.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2020\/03\/daini-murtehin-nasil-kaldirilir-768x384.jpg 768w, https:\/\/www.mapfre.com.tr\/blog\/media\/2020\/03\/daini-murtehin-nasil-kaldirilir-585x293.jpg 585w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Daini M\u00fcrtehin Nas\u0131l Kald\u0131r\u0131l\u0131r?<\/strong><\/h2>\n\n\n\n<p>Kredi \u00e7ekimi sonras\u0131nda \u201crehinli alacakl\u0131\u201d konumunda olan bankan\u0131za son kredi taksidini \u00f6deyinceye kadar rehin durumu kald\u0131r\u0131lmaz. Bankan\u0131z\u0131n daini m\u00fcrtehin s\u0131fat\u0131n\u0131 yani rehin durumunu kald\u0131rmak i\u00e7in ise yapman\u0131z gereken minik bir i\u015flem var. \u0130zlemeniz gereken yol da krediyi ne zaman \u00e7ekti\u011finize g\u00f6re farkl\u0131l\u0131k g\u00f6sterebilir. \u00c7\u00fcnk\u00fc Ocak 2011 \u00f6ncesi \u00e7ekilen krediler eski sistemle, Ocak 2011 tarihinden itibaren \u00e7ekilen krediler ise yeni sistemle verilmi\u015ftir.<\/p>\n\n\n\n<p>T\u00fcm borcunuzu \u00f6dedikten sonra daini m\u00fcrtehin iptali, yani konut ya da ta\u015f\u0131t rehin kald\u0131rma i\u015flemini ger\u00e7ekle\u015ftirebilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Eski Sistemle Rehin Koyulmu\u015fsa \u0130\u015flem Nas\u0131l Yap\u0131l\u0131r?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>Ruhsat\u0131n\u0131z ile birlikte kredi \u00e7ekti\u011finiz bankaya gidin.<\/li><li>Bankan\u0131z\u0131n y\u00f6nlendirdi\u011fi noterden rehin kald\u0131rma yaz\u0131s\u0131 al\u0131n.<\/li><li>Ald\u0131\u011f\u0131n\u0131z tasdikli yaz\u0131yla birlikte Trafik Tescil \u015eube M\u00fcd\u00fcrl\u00fc\u011f\u00fcne gidin.<\/li><li>Burada rehin kald\u0131rma i\u015flemi ruhsat\u0131n\u0131za i\u015flenir.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Yeni Sistemle Rehin Koyulmu\u015fsa \u0130\u015flem Nas\u0131l Yap\u0131l\u0131r?<\/strong><\/h2>\n\n\n\n<p>E\u011fer Ocak 2011 sonras\u0131nda, yani yeni sistemle kredi \u00e7ektiyseniz bu durumda banka \u015fubesine gidip birka\u00e7 dakikada rehini kald\u0131rtabilirsiniz.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Banka Rehininin Kald\u0131r\u0131ld\u0131\u011f\u0131 Nas\u0131l Kontrol Edilir?&nbsp;<\/strong><\/h2>\n\n\n\n<p>Ara\u00e7 sahibi, konut ya da ara\u00e7 \u00fczerindeki rehinin kalkt\u0131\u011f\u0131na nas\u0131l emin olabilir? E\u011fer rehin durumunu merak ediyorsan\u0131z bu sorgulama i\u00e7in e-devlet sisteminden yararlanabilirsiniz. \u201c<a rel=\"noreferrer noopener\" aria-label=\" (yeni sekmede a\u00e7\u0131l\u0131r)\" href=\"https:\/\/www.turkiye.gov.tr\/emniyet-adima-tescilli-arac-sorgulama\" target=\"_blank\">Ad\u0131ma Tescil Ara\u00e7 Sorgulama<\/a>\u201d sayfas\u0131na girip gerekli sorgulamay\u0131 yaparak ad\u0131n\u0131za ara\u00e7 olup olmad\u0131\u011f\u0131n\u0131, yani rehin durumunun aktif mi, yoksa pasif mi oldu\u011funu \u00f6\u011frenebilirsiniz.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2020\/03\/daini-murtehinin-amaci.jpg\" alt=\"Daini M\u00fcrtehinin Amac\u0131\" class=\"wp-image-5821\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2020\/03\/daini-murtehinin-amaci.jpg 1000w, https:\/\/www.mapfre.com.tr\/blog\/media\/2020\/03\/daini-murtehinin-amaci-300x150.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2020\/03\/daini-murtehinin-amaci-768x384.jpg 768w, https:\/\/www.mapfre.com.tr\/blog\/media\/2020\/03\/daini-murtehinin-amaci-585x293.jpg 585w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Sigorta \u00dcr\u00fcnleri Sayesinde Kendinizi G\u00fcvende Hissedin<\/strong><\/h2>\n\n\n\n<p>Bankalardan kredi \u00e7ekerken size hayat sigortas\u0131 yapt\u0131r\u0131lmas\u0131 gerekti\u011fi s\u00f6ylenir. Hayat sigortas\u0131 bu durumda gereksiz bir \u015feymi\u015f gibi g\u00f6r\u00fcnse de bir risk durumu ger\u00e7ekle\u015fti\u011finde hem sizi hem de alacakl\u0131y\u0131 g\u00fcvence alt\u0131na al\u0131r. Bu nedenle mutlaka sigorta yapt\u0131rman\u0131z\u0131 \u00f6neririz.<\/p>\n\n\n\n<p>Bu arada sigortay\u0131 kesinlikle kredi \u00e7ekti\u011finiz bankadan yapt\u0131rmal\u0131s\u0131n\u0131z diye bir \u015fey yok. Sigortan\u0131z\u0131 yapt\u0131rd\u0131ktan sonra sigorta poli\u00e7esini kredi \u00e7ekece\u011finiz bankaya g\u00f6t\u00fcr\u00fcp i\u015flemlerinizi yapt\u0131rabilirsiniz.<\/p>\n\n\n\n<p>Sizi g\u00fcvence alt\u0131na alacak sigorta \u00fcr\u00fcnlerimizle size yard\u0131mc\u0131 olmaya haz\u0131r\u0131z! Yapt\u0131rmak istedi\u011finiz sigorta \u00fcr\u00fcn\u00fc hakk\u0131nda ayr\u0131nt\u0131l\u0131 bilgi ve teklif almak i\u00e7in size en yak\u0131n <a href=\"https:\/\/form.mapfre.com.tr\/iletisim\/formlar\/acenteler\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (yeni sekmede a\u00e7\u0131l\u0131r)\">MAPFRE Sigorta acentesi<\/a> ile ileti\u015fime ge\u00e7ebilirsiniz.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Daini m\u00fcrtehin nedir, hangi ama\u00e7la kullan\u0131l\u0131r, daini m\u00fcrtehini kald\u0131rmak i\u00e7in ne yapmal\u0131s\u0131n\u0131z? Daini m\u00fcrtehin hakk\u0131nda bilmeniz gerekenler yaz\u0131m\u0131zda!<\/p>\n","protected":false},"author":3,"featured_media":5820,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,887],"tags":[911],"class_list":["post-5817","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-otomobil","category-yasa","tag-oto-yasam"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/5817","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=5817"}],"version-history":[{"count":5,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/5817\/revisions"}],"predecessor-version":[{"id":6726,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/5817\/revisions\/6726"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/5820"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=5817"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=5817"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=5817"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}