{"id":100449,"date":"2023-06-18T02:53:04","date_gmt":"2023-06-18T02:53:04","guid":{"rendered":"https:\/\/haberulus.net\/?p=100449"},"modified":"2023-06-18T02:53:04","modified_gmt":"2023-06-18T02:53:04","slug":"kredi-kartlarina-da-ufukta-faiz-artisi-gorundu","status":"publish","type":"post","link":"https:\/\/haberulus.net\/?p=100449","title":{"rendered":"Kredi kartlar\u0131na da ufukta faiz art\u0131\u015f\u0131 g\u00f6r\u00fcnd\u00fc"},"content":{"rendered":"<p><strong>Pahal\u0131l\u0131k <\/strong>kar\u015f\u0131s\u0131nda limitlerini zorlayarak t\u00fcm ihtiya\u00e7lar\u0131n\u0131 kredi kartlar\u0131 ile gideren vatanda\u015f, a\u011fustostan itibaren kredi kartlar\u0131nda ve kredili mevduat hesaplar\u0131nda daha y\u00fcksek faizlerle kar\u015f\u0131 kar\u015f\u0131ya kalacak. Kredi kartlar\u0131n\u0131n faiz oranlar\u0131 Merkez Bankas\u0131&#8217;n\u0131n para politikas\u0131 faizi ile belirleniyor. Para Politikas\u0131 Kurulu&#8217;nun (PPK) 22 Haziran&#8217;daki toplant\u0131s\u0131nda faiz art\u0131r\u0131m\u0131na gidece\u011fine kesin g\u00f6z\u00fcyle bak\u0131l\u0131yor. Merkez Bankas\u0131 piyasa beklentileri anketinde \u00f6ng\u00f6r\u00fcld\u00fc\u011f\u00fc gibi politika faizi y\u00fczde 8.50&#8217;den y\u00fczde 17.50&#8217;ye y\u00fckseltilirse, kredi kart\u0131 i\u015flemlerinde uygulanacak azami akdi faiz oran\u0131 da y\u00fczde 1.36&#8217;dan y\u00fczde 2.15&#8217;e kadar \u00e7\u0131kabilir. Hesaplamalara g\u00f6re, kredi kart\u0131 faiz oran\u0131, politika faizinin y\u00fczde 20&#8217;ye ula\u015ft\u0131\u011f\u0131 senaryoda y\u00fczde 2.36&#8217;ya, y\u00fczde 30&#8217;da ise y\u00fczde 3.26&#8217;ya \u00e7\u0131kacak.<\/p>\n<p><strong>A\u011eUSTOSA SARKAB\u0130L\u0130R<\/strong><\/p>\n<p>Merkez Bankas\u0131&#8217;n\u0131n A\u011fustos 2022&#8217;de ba\u015flad\u0131\u011f\u0131 politika faizi indirimleri sonras\u0131nda bankalar\u0131n kredi kart\u0131 i\u015flemlerinde uygulayabilecekleri azami faiz oranlar\u0131 da d\u00fc\u015f\u00fc\u015fe ge\u00e7ti. Politika faizi indirimleri \u00f6ncesi y\u00fczde 1.80 olan kredi kart\u0131 i\u015flemlerinde uygulanacak azami akdi faiz oran\u0131 Aral\u0131k 2022&#8217;den bu yana y\u00fczde 1.36 olarak uygulan\u0131yor.\u00a0 Her ay\u0131n sondan 5. i\u015fg\u00fcn\u00fcnde sonraki ay\u0131n kredi kart\u0131 faiz oranlar\u0131 ilan ediliyor. Uzmanlar bu ay Kurban Bayram\u0131 nedeniyle, faiz art\u0131r\u0131lsa bile kredi kart\u0131 faizlerine yans\u0131mas\u0131n\u0131n a\u011fustosa sarkabilece\u011fini belirtti.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/i01.sozcucdn.com\/wp-content\/uploads\/2023\/06\/17\/basliksiz-2.jpg\" alt=\"\" title=\"\"><\/p>\n<p><b>Y\u0131lba\u015f\u0131ndan bu yana y\u00fczde 60 artt\u0131<\/b><\/p>\n<p>\u0130htiya\u00e7 kredileri faizleri y\u00fczde 60&#8217;a kadar ula\u015farak rekor k\u0131r\u0131nca vatanda\u015f y\u00fczde 1.36 faizli kredi kartlar\u0131na s\u0131\u011f\u0131nd\u0131. \u00d6zellikle sene ba\u015f\u0131ndan bu yana t\u00fcketici kredilerinde art\u0131\u015f oran\u0131 y\u00fczde 22.2 olurken, kredi kartlar\u0131 taraf\u0131nda bu art\u0131\u015f y\u00fczde 60&#8217;\u0131 buldu. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) verilerine g\u00f6re 9 Haziran itibar\u0131yla t\u00fcketici kredileri hacmi 1 trilyon 374 milyar lira, kredi kartlar\u0131 ise 1 trilyon 62 milyar lira hacme ula\u015ft\u0131. Yani vatanda\u015f\u0131n ihtiya\u00e7, konut ve ta\u015f\u0131ttan olu\u015fan t\u00fcketici kredisi borcunun y\u00fczde 77&#8217;si kadar da kredi kart\u0131 borcu var.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Merkez Bankas\u0131 piyasa beklentileri anketinde \u00f6ng\u00f6r\u00fcld\u00fc\u011f\u00fc gibi politika faizi y\u00fczde 8.50\u2019den y\u00fczde 17.50\u2019ye y\u00fckseltilirse, kredi kart\u0131 i\u015flemlerinde uygulanacak azami akdi faiz oran\u0131 da y\u00fczde 1.36\u2019dan y\u00fczde 2.15\u2019e kadar \u00e7\u0131kabilir.<\/p>\n","protected":false},"author":1,"featured_media":100450,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[731,972,2791,12555,2121],"class_list":["post-100449","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-faiz","tag-kredi","tag-kredi-karti","tag-kredi-kartlari","tag-politika"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/100449","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=100449"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/100449\/revisions"}],"predecessor-version":[{"id":100451,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/100449\/revisions\/100451"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/100450"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=100449"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=100449"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=100449"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}