![\"\"](\"https:\/\/i01.sozcucdn.com\/wp-content\/uploads\/2022\/07\/20\/kredi-22.jpg\" "\\"\\"")
<\/p>\nBDDK’n\u0131n taksit s\u0131n\u0131r\u0131 dahil ald\u0131\u011f\u0131 yeni \u00f6nlemler sonras\u0131nda ihtiya\u00e7 kredilerinde frene bas\u0131ld\u0131. 8 Temmuz haftas\u0131nda ihtiya\u00e7 kredisi hacminde daralma ya\u015fand\u0131.<\/b><\/p>\n
H\u00fck\u00fcmetin ge\u00e7en y\u0131l sonunda imza att\u0131\u011f\u0131 faiz indirimi operasyonu \u00f6nce d\u00f6viz kurlar\u0131n\u0131 sonra da enflasyonu patlat\u0131rken, son d\u00f6nemde kredilerde frene bas\u0131lmas\u0131 dikkat \u00e7ekiyor.<\/p>\n
Resmi enflasyonun y\u00fczde 80’e dayanmas\u0131na ra\u011fmen Merkez Bankas\u0131 (TCMB) politika faizini y\u00fczde 14 ile reel olarak tarihi d\u00fc\u015f\u00fck seviyede tutmaya devam ederken, farkl\u0131 yollarla kredi faizleri art\u0131r\u0131l\u0131yor, kredi b\u00fcy\u00fcme h\u0131z\u0131 yava\u015flat\u0131l\u0131yor.<\/p>\n
4 AY SONRA \u0130LK<\/b><\/p>\n
BDDK verilerine g\u00f6re, 8 Temmuz haftas\u0131nda ihtiya\u00e7 kredisi hacminde 4,5 milyar TL’lik d\u00fc\u015f\u00fc\u015f ya\u015fand\u0131. Bu d\u00fc\u015f\u00fc\u015f, 18 Mart haftas\u0131ndaki 499 milyon TL’lik d\u00fc\u015f\u00fc\u015f sonras\u0131ndaki ilk haftal\u0131k d\u00fc\u015f\u00fc\u015f olarak kay\u0131tlara ge\u00e7ti. \u0130htiya\u00e7 kredisi hacmindeki art\u0131\u015flar, 13 May\u0131s 2022 haftas\u0131nda 9,4 milyar TL ile zirveyi g\u00f6rm\u00fc\u015ft\u00fc.<\/p>\n
8 Temmuz haftas\u0131nda bireysel kredi kart\u0131 bor\u00e7 tutar\u0131nda da 985 milyon TL’lik d\u00fc\u015f\u00fc\u015f ya\u015fand\u0131. Bu d\u00fc\u015f\u00fc\u015f de 8 Nisan haftas\u0131 sonras\u0131nda ilk oldu.<\/p>\n
BDDK, 9 Haziran’da a\u00e7\u0131klad\u0131\u011f\u0131 kararla t\u00fcketici kredilerinde taksit s\u0131n\u0131rlamas\u0131na gitmi\u015fti. Eyl\u00fcl 2021’de 50 bin TL \u00fczeri t\u00fcketici kredilerinde vade s\u0131n\u0131r\u0131n\u0131 36 aydan 24 aya indiren BDDK, 9 Haziran’daki kararla 100 bin TL olarak yeni bir s\u0131n\u0131r tan\u0131mlam\u0131\u015f ve bu s\u0131n\u0131r \u00fczerindeki krediler i\u00e7in vadeyi 24 aydan 12 aya indirmi\u015fti.<\/p>\n
BDDK ayr\u0131ca, limiti 25 bin TL \u00fczeri olan kredi kartlar\u0131n\u0131n asgari \u00f6deme tutar\u0131n\u0131, d\u00f6nem borcunun y\u00fczde 20\u2019sinden y\u00fczde 40\u2019\u0131na y\u00fckseltmi\u015fti.<\/p>\n
KRED\u0130 FA\u0130ZLER\u0130 Y\u00dcKSEL\u0130\u015eTE<\/b><\/p>\n
\u0130htiya\u00e7 kredisi faizleri 1 Temmuz haftas\u0131nda ortalama y\u00fczde 32,91’e kadar y\u00fckseldi. Kas\u0131m 2021’de y\u00fczde 23 seviyelerinde olan bu oran, Ekim 2018 sonras\u0131ndaki yakla\u015f\u0131k 4 y\u0131l\u0131n zirvesi olarak kay\u0131tlara ge\u00e7ti. Faizlerdeki art\u0131\u015f e\u011filiminin \u00f6n\u00fcm\u00fczdeki haftalarda devam etmesi bekleniyor.<\/p>\n
Ticari kredi faizleri de 1 Temmuz’da y\u00fczde 31,26’ye kadar y\u00fckseldi ve Kas\u0131m 2018 sonras\u0131n\u0131n zirvesine ula\u015ft\u0131. Bu oran nisanda y\u00fczde 20’nin alt\u0131n\u0131 g\u00f6rm\u00fc\u015f ancak daha sonra y\u00fckseli\u015fe ge\u00e7mi\u015fti.<\/p>\n
Bankalar\u0131n elindeki enflasyona endeksli tahvillerde iskonto oran\u0131n\u0131n y\u00fczde 50’ye y\u00fckseltilmesi dahil bir dizi \u00f6nlem kredi faizlerinin y\u00fckseli\u015finde etkili oldu.<\/p>\n
\u00d6te yandan, kredi faizleri son d\u00f6nemde artsa da y\u00fczde 80’lik resmi enflasyon d\u00fc\u015f\u00fcn\u00fcld\u00fc\u011f\u00fcnde reel olarak d\u00fc\u015f\u00fck kalmaya devam ediyor.![\"\"](\"https:\/\/i01.sozcucdn.com\/wp-content\/uploads\/2022\/07\/20\/kredi-11.jpg\" "\\"\\"")
<\/p>\n
\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"
BDDK’n\u0131n taksit s\u0131n\u0131r\u0131 dahil ald\u0131\u011f\u0131 yeni \u00f6nlemler sonras\u0131nda ihtiya\u00e7 kredilerinde frene bas\u0131ld\u0131. 8 Temmuz haftas\u0131nda ihtiya\u00e7 kredisi hacminde …<\/p>\n","protected":false},"author":1,"featured_media":10755,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[2188,731,3105,972,1754],"class_list":["post-10754","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-dusus","tag-faiz","tag-haftasinda","tag-kredi","tag-sinir"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/10754","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=10754"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/10754\/revisions"}],"predecessor-version":[{"id":10756,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/10754\/revisions\/10756"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/10755"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10754"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10754"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10754"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}