T?keticinin Korunmas? Hakk?nda Kanunun 10/b maddesi kapsam?nda konut finansman? s?zle?mesinde t?keticinin korunmas?
Bibliographic record
Abstract
Konut finansman? sistemi, ?lkemiz uygulamas?na 2007 y?l?nda girmi? bir kavramd?r. Bir?ok ?lkede motgage sistemi olarak adland?r?lan sistem, T?rkiye' de, konut finansman? sistemi olarak adland?r?lmaktad?r. Bir?ok yasada de?i?iklik getiren ve Mortgage yasas? olarak nitelendirilen d?zenleme ile konut finansman? sistemi olu?turulmu?tur. Sisteme ili?kin olarak yap?lacak konut finansman? s?zle?meleri de 5582 say?l? Yasa' n?n 24. maddesi ile T?keticinin Korunmas? Hakk?nda Kanun' un 10/B maddesinde d?zenlenmi?tir. Bunun temel sebebi, konut finansman? s?zle?melerinin taraf?n? t?keticilerin olu?turacak olmas?d?r. Bu nedenle de t?keticiyi koruyucu ?nemli d?zenlemelere T?keticinin Korunmas? Hakk?nda Kanun' da yer verilmi?tir. Yasada, nitelik itibariyle bir t?ketici kredisi olan konut finansman? s?zle?meleri i?in, t?ketici kredilerinde ?ng?r?lm?? t?keticiyi koruyucu d?zenlemelerin benzerleri yan?nda farkl? nitelikte d?zenlemeler de getirmi?tir. T?keticinin korunmas? a??s?ndan ?nem ta??yan T?keticinin Korunmas? Hakk?nda Kanun' un 10/B maddesi d?zenlemesi, s?zle?meyle ilgili ?nemli noktalarda t?keticiyi koruyucu d?zenleme getiren bir h?k?md?r. Konut finansman? s?zle?meleri de di?er t?ketici s?zle?meleri gibi t?keticinin bilgilendirilmesi, haks?z s?zle?me ?artlar?na kar?? korunmas? gibi hususlarda t?keticiyi koruyucu d?zenlemeler getirmekle birlikte; t?keticinin de finansman kurulu?lar?na kar?? sorumlulu?u y?n?nde de d?zenlemeler yaparak, hem t?ketici lehine hem de t?ketici aleyhine olarak getirilmi? bir h?k?md?r. Bu ?al??mayla birlikte, t?keticinin korunmas? bak?m?ndan ?nem ta??yan noktalar irdelenerek; t?keticinin yapaca?? konut finansman? s?zle?melerinde hangi haklara sahip oldu?una dikkat ?ekmek ve t?keticinin haklar? konusuna a??kl?k getirmek hedeflenmi?tir. ?al??ma konut finansman? s?zle?melerinde t?keticinin korunaca?? yollar? belirlemektedir. Mortgage system is a concept, which was accepted in Turkey in 2007. In many countries this system is called as Mortgage, but in Turkey it?s termed as housing finance system. Housing finance system was composed with the arrangement which has brought changes in many laws and is considered the Mortgage law. With regard to the system of housing finance contracts to be made to Law No. 5582 's twenty-fourth article about the Consumer Protection Law 's 10 / B was set out. The main reason for this is that mortgage contracts is made by consumers. That is why an important consumer protection law also takes place on consumer protection regulations. In this law, a consumer credit quality as the contracts for housing finance, in addition to the similar arrangements, consumer loans, consumer protection arrangements as prescribed have brought a different nature. Carrying importance about protection of consumers, arrangement of Protection about Consumers Law?s proviso 10/B, is a sentence which brings arrangements of consumers protection about arrangement in many parts. Housing finance arrangement is a sentence about not only information of consumers, protection them in unjust arrangements, but also making arrangements about taking responsibility to the financing organisation, which is pro and con of consumers. With this work, it was aimed at watching out which rights consumers have in contracts of housing finance arrrangement and was made clarity of consumers rights by researching the important points about protection of consumers. At working housing financing arrangements, ways of protection of consumers are determined.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.001 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.001 |
| Science and technology studies | 0.002 | 0.001 |
| Scholarly communication | 0.004 | 0.002 |
| Open science | 0.001 | 0.002 |
| Research integrity | 0.002 | 0.003 |
| Insufficient payload (model declined to judge) | 0.085 | 0.019 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".