{"id":10685,"date":"2026-06-18T15:08:44","date_gmt":"2026-06-18T15:08:44","guid":{"rendered":"https:\/\/www.asylegal.com\/?post_type=insight&p=10685"},"modified":"2026-06-18T15:10:44","modified_gmt":"2026-06-18T15:10:44","slug":"tasinmaz-satislarinda-guvenli-odeme-sistemi","status":"publish","type":"insight","link":"https:\/\/www.asylegal.com\/tr\/tasinmaz-satislarinda-guvenli-odeme-sistemi\/","title":{"rendered":"Ta\u015f\u0131nmaz Sat\u0131\u015flar\u0131nda G\u00fcvenli \u00d6deme Sistemi Uygulamas\u0131"},"content":{"rendered":"

I. Giri\u015f<\/strong><\/h2>\n

29 Nisan 2026 tarihli ve 33238 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan Ta\u015f\u0131nmaz Ticareti Hakk\u0131nda Y\u00f6netmelikte De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Y\u00f6netmelik ile Ta\u015f\u0131nmaz Ticareti Hakk\u0131nda Y\u00f6netmelik\u2019e \u00f6deme sistemine ili\u015fkin Ek Madde 1 eklenmi\u015ftir. Bu d\u00fczenleme uyar\u0131nca, 1 Temmuz 2026 tarihinden sonra yap\u0131lacak ta\u015f\u0131nmaz sat\u0131\u015flar\u0131nda, sat\u0131\u015f bedelinin tamam\u0131n\u0131n veya bir k\u0131sm\u0131n\u0131n nakit, havale, elektronik fon transferi ya da Ticaret Bakanl\u0131\u011f\u0131 taraf\u0131ndan belirlenecek di\u011fer \u00f6deme y\u00f6ntemleriyle \u00f6denmesi halinde, sat\u0131\u015f bedelinin G\u00fcvenli \u00d6deme Sistemi \u00fczerinden \u00f6denmesi gerekmektedir.<\/p>\n

D\u00fczenlemenin uygulama alan\u0131, sat\u0131\u015f bedelinin tek bir \u00f6deme halinde ya da farkl\u0131 a\u015famalarda \u00f6denmesinden ziyade, \u00f6demenin ta\u015f\u0131nmaz sat\u0131\u015f bedeline ili\u015fkin olup olmad\u0131\u011f\u0131na, kullan\u0131lan \u00f6deme y\u00f6ntemine ve tapuda ger\u00e7ekle\u015ftirilecek i\u015flemin sat\u0131\u015f niteli\u011fi ta\u015f\u0131y\u0131p ta\u015f\u0131mad\u0131\u011f\u0131na g\u00f6re belirlenmektedir. Bu \u00e7er\u00e7evede, kapora, avans, kredi d\u0131\u015f\u0131 bakiye veya tapu devri s\u0131ras\u0131nda yap\u0131lacak transferlerin yaln\u0131zca \u00f6deme zaman\u0131 ya da \u00f6deme kalemi bak\u0131m\u0131ndan farkl\u0131l\u0131k g\u00f6stermesi, bu \u00f6demelerin sistem kapsam\u0131 d\u0131\u015f\u0131nda kald\u0131\u011f\u0131 sonucunu kendili\u011finden do\u011furmamaktad\u0131r. Her i\u015flem bak\u0131m\u0131ndan \u00f6demenin sat\u0131\u015f bedeliyle ba\u011flant\u0131s\u0131, tapudaki i\u015flem t\u00fcr\u00fc ve \u00f6deme y\u00f6ntemi birlikte de\u011ferlendirilmelidir.<\/p>\n

Bununla birlikte, G\u00fcvenli \u00d6deme Sistemi\u2019nin ta\u015f\u0131nmaz sat\u0131\u015flar\u0131na ili\u015fkin teknik i\u015fleyi\u015fi ve uygulama esaslar\u0131 hen\u00fcz ayr\u0131 bir uygulama \u00e7er\u00e7evesi alt\u0131nda detayland\u0131r\u0131lm\u0131\u015f de\u011fildir. Bu nedenle sistemin bankalar, \u00f6deme kurulu\u015flar\u0131, tapu m\u00fcd\u00fcrl\u00fckleri, kredili sat\u0131\u015flar, yabanc\u0131 al\u0131c\u0131 \u00f6demeleri ve kapan\u0131\u015f belgeleriyle pratikte nas\u0131l entegre edilece\u011fi, d\u00fczenlemenin y\u00fcr\u00fcrl\u00fc\u011fe girmesiyle birlikte uygulamada ayr\u0131ca \u00f6nem kazanacakt\u0131r. Bu husus, \u00f6zellikle sat\u0131\u015f vaadi s\u00f6zle\u015fmesiyle ba\u015flayan, kapora veya avans \u00f6demesi i\u00e7eren, kredi kullan\u0131lan, yabanc\u0131 taraf bulunan veya vek\u00e2letnameyle y\u00fcr\u00fct\u00fclen ta\u015f\u0131nmaz sat\u0131\u015flar\u0131nda s\u00f6zle\u015fme ve kapan\u0131\u015f s\u00fcre\u00e7lerinin daha dikkatli yap\u0131land\u0131r\u0131lmas\u0131n\u0131 gerektirmektedir.<\/p>\n

II. D\u00fczenlemenin Kapsam\u0131 Ve Y\u00fcr\u00fcrl\u00fck Tarihi<\/strong><\/h2>\n

Giri\u015fte belirtilen \u00e7er\u00e7eve dikkate al\u0131nd\u0131\u011f\u0131nda, d\u00fczenlemenin kapsam\u0131 bak\u0131m\u0131ndan ilk ayr\u0131m, i\u015flemin tapuda ta\u015f\u0131nmaz sat\u0131\u015f\u0131 niteli\u011finde olup olmad\u0131\u011f\u0131na ili\u015fkindir. Ek Madde 1, ta\u015f\u0131nmaz sat\u0131\u015flar\u0131nda sat\u0131\u015f bedelinin belirli \u00f6deme y\u00f6ntemleriyle \u00f6denmesi halini esas almaktad\u0131r. Dolay\u0131s\u0131yla uygulaman\u0131n merkezinde, tapuda sat\u0131\u015f i\u015fleminin yap\u0131lmas\u0131 ve bu sat\u0131\u015f i\u015flemine ba\u011fl\u0131 bir sat\u0131\u015f bedelinin bulunmas\u0131 yer almaktad\u0131r.<\/p>\n

Bu kapsam, taraflar\u0131n tacir, t\u00fcketici, \u015firket, yat\u0131r\u0131mc\u0131 veya yabanc\u0131 ki\u015fi olmas\u0131na g\u00f6re de\u011fil, i\u015flemin hukuki niteli\u011fine ve \u00f6demenin sat\u0131\u015f bedeliyle ba\u011flant\u0131s\u0131na g\u00f6re belirlenmektedir. Bir ta\u015f\u0131nmaz sat\u0131\u015f\u0131nda sat\u0131\u015f bedelinin tamam\u0131 veya bir k\u0131sm\u0131 nakit, havale, elektronik fon transferi ya da Bakanl\u0131k\u00e7a belirlenecek di\u011fer y\u00f6ntemlerle \u00f6deniyorsa, kural olarak \u00f6deme sistemi y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc g\u00fcndeme gelmektedir.<\/p>\n

Y\u00fcr\u00fcrl\u00fck bak\u0131m\u0131ndan Y\u00f6netmelik, 1 Temmuz 2026 tarihine kadar yap\u0131lacak ta\u015f\u0131nmaz sat\u0131\u015flar\u0131nda \u00f6deme sisteminin kullan\u0131m\u0131n\u0131 zorunlu tutmamaktad\u0131r. Buna kar\u015f\u0131l\u0131k, bu tarihten sonra tamamlanacak sat\u0131\u015flarda \u00f6deme plan\u0131n\u0131n, tapu devri tarihinin, kredi kullan\u0131m\u0131 halinde kredi d\u0131\u015f\u0131 \u00f6deme tutarlar\u0131n\u0131n ve daha \u00f6nce yap\u0131lm\u0131\u015f kapora veya avans \u00f6demelerinin s\u00f6zle\u015fmesel niteli\u011finin ayn\u0131 b\u00fct\u00fcnl\u00fck i\u00e7inde ele al\u0131nmas\u0131 gerekmektedir.<\/p>\n

III. Sat\u0131\u015f D\u0131\u015f\u0131 \u0130\u015flemler, Aile \u0130\u00e7i Devirler Ve \u00d6n \u00d6demeler<\/strong><\/h2>\n

D\u00fczenlemenin sat\u0131\u015f bedeli ve ta\u015f\u0131nmaz sat\u0131\u015f\u0131 kavramlar\u0131 \u00fczerinden kurulmas\u0131, sat\u0131\u015f d\u0131\u015f\u0131 i\u015flemler bak\u0131m\u0131ndan ayr\u0131ca de\u011ferlendirme yap\u0131lmas\u0131n\u0131 gerektirmektedir. Ba\u011f\u0131\u015f, miras yoluyla intikal ve benzeri bedelsiz devirlerde, tapudaki i\u015flem sat\u0131\u015f niteli\u011fi ta\u015f\u0131mad\u0131\u011f\u0131 ve sat\u0131\u015f bedeli bulunmad\u0131\u011f\u0131 \u00f6l\u00e7\u00fcde Ek Madde 1 kapsam\u0131nda bir sat\u0131\u015f bedeli \u00f6deme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcnden s\u00f6z edilmesi m\u00fcmk\u00fcn de\u011fildir.<\/p>\n

Buna kar\u015f\u0131l\u0131k, taraflar aras\u0131ndaki ki\u015fisel veya ailevi ili\u015fki tek ba\u015f\u0131na kapsam d\u0131\u015f\u0131l\u0131k sonucu do\u011furmamaktad\u0131r. Mevcut Y\u00f6netmelik metninde, birinci derece kan h\u0131s\u0131mlar\u0131 aras\u0131nda yap\u0131lan bedelli ta\u015f\u0131nmaz sat\u0131\u015flar\u0131 i\u00e7in a\u00e7\u0131k bir istisna d\u00fczenlenmemektedir. Bu nedenle aile i\u00e7i bir devir tapuda sat\u0131\u015f olarak yap\u0131lmakta ve sat\u0131\u015f bedeli Ek Madde 1\u2019de belirtilen y\u00f6ntemlerden biriyle \u00f6denmekteyse, i\u015flemin yaln\u0131zca taraflar aras\u0131ndaki h\u0131s\u0131ml\u0131k ili\u015fkisi nedeniyle sistem d\u0131\u015f\u0131nda kalaca\u011f\u0131 kabul edilmemelidir.<\/p>\n

Trampa, sat\u0131\u015f vaadi s\u00f6zle\u015fmeleri, hisseli ta\u015f\u0131nmaz devirleri veya karma \u00f6deme yap\u0131lar\u0131 bak\u0131m\u0131ndan ise esas al\u0131nmas\u0131 gereken nokta, i\u015flemin tapudaki hukuki niteli\u011fi ile \u00f6deme kaleminin sat\u0131\u015f bedeliyle ili\u015fkisi aras\u0131ndaki ba\u011fd\u0131r. Sat\u0131\u015f vaadi s\u00f6zle\u015fmesi tek ba\u015f\u0131na m\u00fclkiyeti devretmemektedir; ancak bu s\u00f6zle\u015fme kapsam\u0131nda yap\u0131lan pe\u015fin \u00f6deme, avans veya cayma bedeli daha sonra tapuda yap\u0131lacak sat\u0131\u015fla ba\u011flant\u0131l\u0131 hale gelebilmektedir. Bu nedenle sat\u0131\u015f \u00f6ncesi \u00f6deme kalemlerinin s\u00f6zle\u015fmede a\u00e7\u0131k \u015fekilde s\u0131n\u0131fland\u0131r\u0131lmas\u0131 gerekmektedir.<\/p>\n

IV. Kredili Sat\u0131\u015flar, Kullan\u0131m Bedeli Ve Tapu Devri S\u00fcreci<\/strong><\/h2>\n

Kredili sat\u0131\u015flar, yeni d\u00fczenleme i\u00e7inde ayr\u0131ca ele al\u0131nmaktad\u0131r. Ta\u015f\u0131nmaz sat\u0131\u015f bedelinin tamam\u0131 veya bir k\u0131sm\u0131 Bankac\u0131l\u0131k Kanunu kapsam\u0131nda bir banka ya da ilgili mevzuat kapsam\u0131ndaki finansman veya tasarruf finansman \u015firketleri taraf\u0131ndan kredilendiriliyorsa, \u00f6deme sistemi kredi tutar\u0131 d\u0131\u015f\u0131ndaki \u00f6demeler bak\u0131m\u0131ndan uygulanmaktad\u0131r.<\/p>\n

Bu nedenle kredili sat\u0131\u015flarda yaln\u0131zca kredi s\u00f6zle\u015fmesinin bulunmas\u0131, i\u015flemin b\u00fct\u00fcn\u00fcyle sistem d\u0131\u015f\u0131nda kalmas\u0131 sonucunu do\u011furmamaktad\u0131r. Al\u0131c\u0131n\u0131n pe\u015finat \u00f6demesi, kredi d\u0131\u015f\u0131nda kalan bakiye sat\u0131\u015f bedeli, tapu devri s\u0131ras\u0131nda yap\u0131lacak ek transferler veya taraflar aras\u0131nda ayr\u0131ca kararla\u015ft\u0131r\u0131lm\u0131\u015f di\u011fer \u00f6deme kalemleri, sat\u0131\u015f bedeliyle ba\u011flant\u0131l\u0131 olduklar\u0131 \u00f6l\u00e7\u00fcde yeni d\u00fczenleme kapsam\u0131nda de\u011ferlendirilmelidir.<\/p>\n

Ek Madde 1 ayr\u0131ca \u00f6deme sistemi \u00fczerinden yap\u0131lan her i\u015flemde kullan\u0131m bedeli al\u0131naca\u011f\u0131n\u0131 ve bu bedelin sat\u0131c\u0131ya aktar\u0131lan ta\u015f\u0131nmaz sat\u0131\u015f bedelinden mahsup edilece\u011fini d\u00fczenlemektedir. Bu h\u00fck\u00fcm, sat\u0131\u015f bedelinin br\u00fct tutar\u0131 ile sat\u0131c\u0131n\u0131n eline ge\u00e7ecek net tutar aras\u0131nda fark yaratabilece\u011finden, \u00f6zellikle pazarl\u0131kla belirlenen y\u00fcksek bedelli sat\u0131\u015flarda s\u00f6zle\u015fmedeki fiyat, masraf ve \u00f6deme h\u00fck\u00fcmlerinin birlikte kurgulanmas\u0131n\u0131 gerektirmektedir.<\/p>\n

Tapu devri s\u00fcreci bak\u0131m\u0131ndan yeni rejimin etkisi, \u00f6deme ile tescil aras\u0131ndaki zamanlaman\u0131n ayr\u0131 bir i\u015flem plan\u0131 gerektirmesidir. Sat\u0131\u015f bedelinin hangi anda sisteme aktar\u0131laca\u011f\u0131, kredi d\u0131\u015f\u0131 tutar\u0131n ne \u015fekilde haz\u0131rlanaca\u011f\u0131, kullan\u0131m bedelinin ekonomik olarak kimin \u00fczerinde kalaca\u011f\u0131 ve tapu devrinin tamamlanmamas\u0131 halinde iade s\u00fcrecinin hangi s\u00f6zle\u015fmesel h\u00fck\u00fcmlere g\u00f6re y\u00fcr\u00fct\u00fclece\u011fi, i\u015flem \u00f6ncesinde netle\u015ftirilmesi gereken konular aras\u0131ndad\u0131r.<\/p>\n

V. S\u00f6zle\u015fmesel Riskler Ve Yabanc\u0131 Al\u0131c\u0131 \u0130\u015flemleri<\/strong><\/h2>\n

G\u00fcvenli \u00d6deme Sistemi\u2019nin zorunlu hale gelmesi, ta\u015f\u0131nmaz sat\u0131\u015f s\u00f6zle\u015fmelerindeki \u00f6deme ve temerr\u00fct h\u00fck\u00fcmlerinin \u00f6nemini art\u0131rmaktad\u0131r. Eski s\u00f6zle\u015fme \u015fablonlar\u0131nda yer alan do\u011frudan sat\u0131c\u0131 hesab\u0131na \u00f6deme, tapu devrinden \u00f6nce tam \u00f6deme, elden \u00f6deme, bloke \u00e7ek veya tapuda e\u015f zamanl\u0131 havale gibi ifadeler, yeni \u00f6deme sistemiyle uyumlu olup olmad\u0131klar\u0131 bak\u0131m\u0131ndan yeniden de\u011ferlendirilmelidir.<\/p>\n

Bu de\u011ferlendirme yaln\u0131zca \u00f6deme kanal\u0131na ili\u015fkin de\u011fildir. Sat\u0131c\u0131n\u0131n tapu devrine kat\u0131lmamas\u0131, al\u0131c\u0131n\u0131n sat\u0131\u015f bedelini sisteme s\u00fcresinde aktarmamas\u0131, kredi tutar\u0131n\u0131n tapu tarihine yeti\u015fmemesi, vek\u00e2letnamede yetki eksikli\u011fi bulunmas\u0131 veya sat\u0131\u015ftan \u00f6nce ta\u015f\u0131nmaz \u00fczerinde yeni bir takyidat ortaya \u00e7\u0131kmas\u0131 halinde hangi taraf\u0131n temerr\u00fcde d\u00fc\u015fece\u011fi ve hangi \u00f6demenin iade edilece\u011fi a\u00e7\u0131k \u015fekilde d\u00fczenlenmelidir.<\/p>\n

Yabanc\u0131 al\u0131c\u0131lar bak\u0131m\u0131ndan \u00f6deme sistemi, ta\u015f\u0131nmaz edinimine ili\u015fkin di\u011fer hukuki kontrollerin yerine ge\u00e7memektedir. Yabanc\u0131 ger\u00e7ek ki\u015filer ve yabanc\u0131 sermayeli T\u00fcrk \u015firketlerinin ta\u015f\u0131nmaz edinimi, askeri yasak b\u00f6lgeler veya g\u00fcvenlik b\u00f6lgeleri, ta\u015f\u0131nmaz\u0131n niteli\u011fi, tapu kayd\u0131, imar durumu, takyidatlar ve temsil yetkisi gibi hususlar \u00f6deme sistemi d\u0131\u015f\u0131nda ayr\u0131ca ele al\u0131nmal\u0131d\u0131r.<\/p>\n

S\u0131n\u0131r \u00f6tesi \u00f6demelerde ayr\u0131ca banka hesab\u0131 a\u00e7\u0131l\u0131\u015f\u0131, d\u00f6viz transfer s\u00fcresi, transfer a\u00e7\u0131klamas\u0131, kaynak \u00fclke bankas\u0131n\u0131n uyum kontrolleri, vergi numaras\u0131, yeminli terc\u00fcme, apostil veya konsolosluk onayl\u0131 vek\u00e2letname gibi unsurlar tapu devri takvimini do\u011frudan etkileyebilmektedir. Bu nedenle yabanc\u0131 al\u0131c\u0131lar\u0131n yer ald\u0131\u011f\u0131 i\u015flemlerde, \u00f6deme sistemiyle uyumlu bir sat\u0131\u015f s\u00f6zle\u015fmesi kadar, transfer takvimi ve temsil belgelerinin de i\u015flem b\u00fct\u00fcnl\u00fc\u011f\u00fc i\u00e7inde planlanmas\u0131 gerekmektedir.<\/p>\n

VI. Genel De\u011ferlendirme<\/strong><\/h2>\n

Ta\u015f\u0131nmaz sat\u0131\u015flar\u0131nda G\u00fcvenli \u00d6deme Sistemi, 1 Temmuz 2026 sonras\u0131nda yap\u0131lacak sat\u0131\u015flarda yaln\u0131zca teknik bir \u00f6deme kanal\u0131 de\u011fi\u015fikli\u011fi olarak ele al\u0131nmamal\u0131d\u0131r. D\u00fczenleme, sat\u0131\u015f bedelinin hangi \u00f6deme y\u00f6ntemiyle \u00f6denece\u011fi, kredili sat\u0131\u015flarda kredi d\u0131\u015f\u0131 tutar\u0131n nas\u0131l aktar\u0131laca\u011f\u0131, kullan\u0131m bedelinin sat\u0131\u015f bedeline nas\u0131l yans\u0131yaca\u011f\u0131 ve tapu devri \u00f6ncesinde yap\u0131lan \u00f6demelerin s\u00f6zle\u015fmesel niteli\u011fi gibi konular\u0131 birlikte g\u00fcndeme getirmektedir.<\/p>\n

Bu nedenle ta\u015f\u0131nmaz sat\u0131\u015flar\u0131nda taraflar\u0131n yaln\u0131zca tapu devri g\u00fcn\u00fcne odaklanmas\u0131 yeterli olmayacakt\u0131r. Sat\u0131\u015f \u00f6ncesi kapora ve avans d\u00fczeni, kredi kullan\u0131m\u0131, yabanc\u0131 al\u0131c\u0131 transferleri, vek\u00e2letnameyle i\u015flem, aile i\u00e7i bedelli sat\u0131\u015flar, hisseli ta\u015f\u0131nmaz devirleri ve sat\u0131\u015f vaadi s\u00f6zle\u015fmeleri gibi unsurlar, yeni \u00f6deme sistemi rejimiyle birlikte de\u011ferlendirilmelidir.<\/p>\n","protected":false},"excerpt":{"rendered":"

1 Temmuz 2026 sonras\u0131nda ta\u015f\u0131nmaz sat\u0131\u015flar\u0131nda G\u00fcvenli \u00d6deme Sistemi\u2019nin kapsam\u0131, kredi d\u0131\u015f\u0131 \u00f6demeler, kapora, avans ve yabanc\u0131 al\u0131c\u0131 i\u015flemleri.<\/p>\n","protected":false},"author":2,"featured_media":10709,"template":"","insight_category":[],"insight_topic":[],"class_list":["post-10685","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.asylegal.com\/tr\/wp-json\/wp\/v2\/insight\/10685","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.asylegal.com\/tr\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/www.asylegal.com\/tr\/wp-json\/wp\/v2\/types\/insight"}],"author":[{"embeddable":true,"href":"https:\/\/www.asylegal.com\/tr\/wp-json\/wp\/v2\/users\/2"}],"version-history":[{"count":1,"href":"https:\/\/www.asylegal.com\/tr\/wp-json\/wp\/v2\/insight\/10685\/revisions"}],"predecessor-version":[{"id":10686,"href":"https:\/\/www.asylegal.com\/tr\/wp-json\/wp\/v2\/insight\/10685\/revisions\/10686"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.asylegal.com\/tr\/wp-json\/wp\/v2\/media\/10709"}],"wp:attachment":[{"href":"https:\/\/www.asylegal.com\/tr\/wp-json\/wp\/v2\/media?parent=10685"}],"wp:term":[{"taxonomy":"insight_category","embeddable":true,"href":"https:\/\/www.asylegal.com\/tr\/wp-json\/wp\/v2\/insight_category?post=10685"},{"taxonomy":"insight_topic","embeddable":true,"href":"https:\/\/www.asylegal.com\/tr\/wp-json\/wp\/v2\/insight_topic?post=10685"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}