tuketici-kredisi-konut-finansmani

tuketici-kredisi-konut-finansmani is a skill for Claude Code from aydincan/turk-hukuku-ve-claude. It costs 89 tokens per session (1,547 once invoked), scanned A, original, Apache-2.0.

A legal guide for consumer loans, home finance, overdrafts, and credit-card contracts. It applies Turkey’s consumer-protection rules to issues such as cancellation, early repayment, interest, fees, and unfair contract terms.

In plain words
What is it for?
Use it to review loan and card agreements, assess the 14-day cancellation period, calculate early-repayment rights, challenge fees or unfair terms, and decide whether to apply to a consumer arbitration panel or court.
Why use it?
It helps consumers check whether the lender gave the required information and respected mandatory protections. It also helps identify charges or contract clauses that may be unlawful and support a refund or cancellation request.

Skill for Claude Code

Written for Claude Code: shipped in a Claude Code plugin.

Part of the bankacilik-hukuku plugin — 11 skills shipped together

Good fit Use it to review loan and card agreements, assess the 14-day cancellation period, calculate early-repayment rights, challenge fees or unfair terms, and decide whether to apply to a consumer arbitration panel or court.

Compare 6 skills from other repositories ↓
Install with agentmods
npx agentmods add skills/aydincan/turk-hukuku-ve-claude/tuketici-kredisi-konut-finansmani
Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent
npx skills add aydincan/turk-hukuku-ve-claude --skill tuketici-kredisi-konut-finansmani
Clone the repo
git clone --depth 1 https://github.com/aydincan/turk-hukuku-ve-claude

Made for: Claude Code.

Or install bankacilik-hukuku, the plugin that ships this one along with the rest of its 11 skills.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

agentmods badge for tuketici-kredisi-konut-finansmani

README.md
[![agentmods](https://agentmods.dev/badge/skills/aydincan/turk-hukuku-ve-claude/tuketici-kredisi-konut-finansmani/github.svg)](https://agentmods.dev/skills/aydincan/turk-hukuku-ve-claude/tuketici-kredisi-konut-finansmani)
Your own site
<a href="https://agentmods.dev/skills/aydincan/turk-hukuku-ve-claude/tuketici-kredisi-konut-finansmani"><img src="https://agentmods.dev/badge/skills/aydincan/turk-hukuku-ve-claude/tuketici-kredisi-konut-finansmani/github.svg" alt="Measured on agentmods" height="20"></a>

Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.

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Your own site · 80×15
<a href="https://agentmods.dev/skills/aydincan/turk-hukuku-ve-claude/tuketici-kredisi-konut-finansmani"><img src="https://agentmods.dev/badge/skills/aydincan/turk-hukuku-ve-claude/tuketici-kredisi-konut-finansmani.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 89 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 1,547 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.
Origin original No closer match found in the catalogue.
Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

ModelPer sessionOnce invoked
Fable 5.1 $0.00089 $0.01547
Opus 5 $0.00044 $0.00773
Sonnet 5 $0.00018 $0.00309
Haiku 4.5 $0.00009 $0.00155

Measured 7d ago against content hash 1dbd213ff4c9, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-12, from the pricing page.

Security

Grade A, and why

tuketici-kredisi-konut-finansmani scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 7d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

bankacilik-hukuku/skills/tuketici-kredisi-konut-finansmani/SKILL.md · 69 lines

How it starts

The opening of the file, as written. The whole thing — 69 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Tüketici Kredisi, Konut Finansmanı ve Kart Sözleşmeleri

Görev

Tüketici nitelikli kredi ve kart ilişkilerinde TKHK ve 5464 sayılı Kanun'un emredici koruma hükümlerini uygulamak; haksız ücret/komisyon iadesi, cayma, erken ödeme ve haksız şart taleplerini hukuki dayanağıyla kurmak.

Soğuk başlangıç (intake)

  • Ürün: belirli süreli tüketici kredisi, konut finansmanı, kredili mevduat hesabı (KMH), kredi kartı mı?
  • Müşteri gerçek kişi ve ticari/mesleki amaç dışı mı (tüketici tanımı, TKHK m.3)?
  • Talep konusu: dosya masrafı/komisyon iadesi, faiz/asgari ödeme itirazı, cayma, erken kapatma indirimi, haksız şart iptali?
  • Uyuşmazlık tutarı tüketici hakem heyeti parasal sınırı içinde mi?

Denetim şeması

  1. Tüketici sıfatı ve kapsam: TKHK m.3 tüketici tanımı doğrulanır. Tüketici kredisi TKHK m.22-31, konut finansmanı m.32-39, kart ilişkisi 5464 ve TKHK genel hükümlerine tabidir.
  2. Sözleşme şekli ve ön bilgilendirme: Yazılı/kalıcı veri saklayıcısıyla düzenlenme, sözleşme örneğinin verilmesi, ön bilgilendirme formu yükümlülüğü kontrol edilir; eksiklik tüketici lehine sonuç doğurur.
  3. Cayma ve erken ödeme: Tüketici kredisinde 14 gün cayma hakkı (TKHK m.24); erken ödemede faiz ve maliyet indirimi (TKHK m.27); konut finansmanında erken ödeme tazminatı sınırları (TKHK m.37).
  4. Ücret/komisyon ve haksız şart: Yalnızca ürün/hizmetin zorunlu maliyetini yansıtan, tüketiciden açık onay alınan ücretler tahsil edilebilir; dayanaksız dosya masrafı, komisyon ve hesap işletim ücretleri TKHK m.5 ve ilgili tebliğ uyarınca haksız şart olup iadeye tabidir. Bu yöndeki Yargıtay/HGK uygulaması istikrarlıdır [doğrulanacak — karararama.yargitay.gov.tr].
  5. Faiz ve asgari ödeme: Kredi kartında akdi/gecikme faizi TCMB azami oranlarıyla, asgari ödeme oranı ilgili düzenlemeyle sınırlıdır; aşan tahsilatlar fazlaya ilişkin talep oluşturur. Ara sonuç olarak iade/iptal edilebilir kalemleri ve dayanağını yaz.

Çıktı modülleri

  • İade edilebilir ücret/komisyon kalemleri ve hesap tablosu.
  • Tüketici hakem heyeti / tüketici mahkemesi yol seçimi notu.
  • Başvuru/dava dilekçesi iskeleti ([doldurulacak] yer tutucularıyla).

Read the full file on GitHub · 69 lines

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

  1. 7d ago First seen · 69 lines · 89 tokens per session scan A 1dbd213ff4c9

Subscribe to this mod's changes

tuketici-kredisi-konut-finansmani is a skill published in the GitHub repository aydincan/turk-hukuku-ve-claude (10 stars, last pushed 9d ago), licensed Apache-2.0. It adds 89 tokens to every session and 1,547 once invoked, about $0.0004 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-05.

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