ERTAŞ, Fatih Coşkun Gaziosmanpaşa Üniversitesi - İşletme Bölümü, Turkey , KABAN, İsmail Gaziosmanpaşa Üniversitesi - Niksar SBMYO Bankacılık ve Sigortacılık Programı, Turkey , SOBACI, Fatih Gaziosmanpaþa Üniversitesi - Niksar SBMYO Bankacilik ve Sigortacilik Programi, Turkey

CHARGES ON THE FINANCIAL CONSUMERS USING PERSONAL LOAN: A COMPARATIVE REVIEW ON THE BASIS OF BRSA REGULATION

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Consumers are natural or legal persons who make transactions without having a commercial purpose. Financial consumer is the person who gets services in order to meet the individual needs from financial institutions. Different operations are carried out between banks and financial consumers. Credit transactions represent an important place for the revival of economic activity between these transactions. Banks are charged some fees from customers for providing services in the lending process. These fees represent a topic of discussion in terms of consumer rights. Cut costs in order to regulate transactions between banks with customers a regulation was issued by the BRSA. BRSA issued a code (Date 3 September 2014 and no. 29138) in order to regulate transactions between banks with customers. This study focuses on the fees that will be charged from customers. BRSA regulation constitutes the starting point of this study. İn this context, on a mortgage loan extended before the BRSA regulations and will be made comparison and assessments. To be mandatory, reasonable and documented of costs” weren’t taken into account by BRSA.

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Banking Regulation and Supervision Agency , Financial Consumer , Personal Loan , Credit Charge , Consumer Protection

Journal Of Financial Researches an‎d Studies

146