The public complained about the Banking Supervision and Regulatory Authority (BRSA) about savings financing companies known as “EVİM companies”. It was thus revealed in a game that these companies, which allowed to have interest -free housing and vehicles by savings, have been revealed in recent years.
According to Barış Şimşek from Sabah, these companies receive an organization fee from citizens out of 8 percent during the contract for a housing application of 3 million TL. If the citizen wishes to withdraw from his contract for any reason, companies that are obliged to return this money within 14 days causes grievances by not processing the application on time. Another complaint is that the citizens do not come out in the lottery in the promised process.
What are the rights of the citizen?
It is a contract regulated according to the principles of interest -free financing, giving the customer the right to use financing to the customer for housing, workplace or vehicle and to manage the customer’s savings.
The organization fee is the amount that customers will pay to the savings financing company in exchange for savings financing activity and the management of the fund pool within the scope of the savings financing agreement.
Customers who use the right of withdrawal must be returned to the customer within 14 days at the latest. However, the company does not refund this fee in the withdrawal applications that spend 14 days. When people think that they are lingered by the company, they may have their petitions approved and guarantee their applications.
If the right to termination is exercised in the contract, the refund of the savings and the return of accrued, if any, must be deposited to the account that the customer shall show within 6 months from the date of return request.
The lottery is obliged to be done in a way that does not cause injustice among the customers in the group, and the application of the lottery in sector applications in the presence of a notary public or live broadcast is frequently used. There is the idea that the lack of obligation to be made in the presence of a notary causes grievances.
Those who signed a contract may have to wait for months or even years. However, companies can determine a maturity and promise to pay allocation in that term at the latest.
If the customer does not fulfill savings payments within the scope of the contract, the company may postpone the customer’s financing payment or terminate the contract unilaterally.
In July 2021, the government decided to liquidate companies, which were uncontrolled at that time, and did not give home or vehicles in return for the money they collected from the citizen. In this context, it was decided to liquidate 21 companies that marketed home and cars with interest -free financing model at that time.
The companies that were liquidated at that time were as follows: Iktisatevim, Visionary, Truevim, Financialvim, Birikimevim, Yaşamevim, HH Aydın Yatırım Holding Inc. , Future Savings, Unity Real Estate, Savings Organization and Real Estate Pazarlama A.Ş.
