General Provisions on Collaterals. It is hereby acknowledged and accepted in advance by the Credit Customer, Co- debtor and Guarantor/Guarantors that the real property to be mortgaged will be surveyed (appraised) by experts (surveyors) deemed fit by the Bank and/or if and when required, by persons or entities authorized within the frame of the Capital Markets Law and the Banking Law, and that the survey fee to be charged on the Bank by the expert surveyor (appraiser) will be paid by the Credit Customer. If demanded so by the Credit Customer, a copy of the survey report will be delivered by the Bank to the Credit Customer. If a problem is detected as a result of a survey or in the land registry records of the real property, at each stage, the Bank reserves its right not to make the credit facility available. ÖRNEK The Credit Customer, Co-debtor and Guarantor / Guarantors hereby declare, agree and undertake that if and when the credit amount is credited to the account of the Credit Customer before completion of establishment of mortgage as specified in Article 2, then and in this case, the mortgage will be established within 12 (twelve) business days following the date of drawdown of the loans. In the case of a reduction in value of collateral, or upon occurrence of a probability of reduction, or if the collateral is partially or fully lost, or if the collateral is understood to be insufficient, or in the case of such other just and good causes, the Bank will, by sending a prior notice, be entitled to change the ratios of collateral margin, and to request additional or new collaterals in any format and under any conditions deemed fit from the Credit Customer, Co-debtor and the Guarantor / Guarantors. In the event that the Bank detects a fall in value of collateral for any reasons whatsoever, whether they are exchange and market fluctuations or other damages, losses and causes, the Credit Customer, Co-debtor and the Guarantor / Guarantors hereby agree and undertake to close all kinds of differences arising out of this fall either by payment in cash or by signature of new documents of pledge/mortgage and/or by assignment of new receivables, in the option of the Bank, within 3 (three) days following the date of demand of the Bank, thereby protecting a value margin, as deemed fit by the Bank, between said value of collateral and the debit balance of account of the Credit Customer. If and when the collateral is required to be transported to another place due to such
General Provisions on Collaterals. The Credit Customer and the Guarantor / Guarantors hereby declare, agree and undertake in advance that if the Bank receives a real property mortgage as a security for repayment of the credit debts hereunder, the real property to be mortgaged will be surveyed (appraised) by experts (surveyors) deemed fit by the Bank and/or if and when required, by persons or entities authorized within the frame of the Capital Markets Law and the Banking Law, and that the survey fee to be Kredili Müşteri ve Kefil/Kefiller, BANKA tarafından noter kanalıyla veya iadeli taahhütlü mektupla kendilerine bildirimde bulunulduğu tarihten itibaren 30 (otuz) gün içinde vadesi gelmiş ve/veya gelmemiş taksit borçlarını ve diğer masraflardan müteşekkil muaccel BANKA alacağının tamamını ödemedikleri takdirde, mütemerrid duruma düşeceklerini kabul, beyan ve taahhüt ederler. Madde 8- Kredinin Teminat Karşılığı Kullandırılması ve Ön Ödemeli Gayrimenkul Satış Sözleşmeleri Kapsamında Akdedilen Tüketici Kredisine İlişkin Hükümler Kredili Müşteri ve Kefil/Kefiller, bu sözleşme gereğince, BANKA’xxx xxxxx edecekleri Tüketici Kredisi işlemlerinin teminatı ve karşılığını teşkil etmek üzere; BANKA’nın kabul edeceği kefaleti getirmeyi, gayrimenkul ipoteği vermeyi ve/veya BANKA’ya motorlu taşıt, nakit, mevduat, döviz tevdiatı, menkul kıymetleri ve Sermaye Piyasası Kanunu ve işbu Kanun ile ilgili tüm mevzuat hükümlerinde öngörülen Sermaye Piyasası Araçlarını rehin etmeyi, keza alacaklarını temlik etmeyi kabul ve taahhüt ederler. Kredili Müşteri ve Kefil/Kefiller, BANKA’nın teminatın yetersiz halde olduğu veya yetersiz xxxx düştüğü kanaatine vardığı takdirde, ek teminat isteme hakkının doğacağını ve mevcut teminatları paraya çevirme yetkisine de sahip olacağını kabul ve taahhüt ederler. Kredili Müşterinin yükümlülüklerine karşılık alınan şahsi teminatlar, ilgili yasal mevzuat gereğince adi kefalet hükmündedir. Kredili Müşterinin alacaklarına ilişkin olarak varsa BANKAca verilen şahsi teminatlar, diğer kanunlarda aksine hüküm bulunmadıkça müteselsil kefalet hükmündedir.
