Ekonomi y\u00f6netimi Kur Korumal\u0131 Mevduat’\u0131 (KKM) sona erdirmenin yollar\u0131n\u0131 ararken, Merkez Bankas\u0131’n\u0131n (TCMB) \u00f6nceki hafta sonu getirdi\u011fi d\u00fczenlemeler \u00e7\u0131k\u0131\u015f i\u00e7in ilk ad\u0131m oldu. Ancak al\u0131nan kararlar\u0131n, ayl\u0131k maliyeti 10 milyar dolar\u0131 a\u015fan KKM’yi ne \u00f6l\u00e7\u00fcde k\u00fc\u00e7\u00fcltece\u011fi TL mevduat faizlerindeki y\u00fckseli\u015fe ba\u011fl\u0131.<\/p>\n
S\u00f6z konusu d\u00f6n\u00fc\u015f\u00fcm\u00fc yapabilmek amac\u0131 ile TL ge\u00e7i\u015fli KKM hesaplar\u0131n\u0131n vade bitiminde TL mevduata d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi i\u00e7in bankalara ek menkul k\u0131ymet tutulmas\u0131 zorunlulu\u011fu kondu. Dolay\u0131s\u0131yla vadesi gelen KKM’lerin y\u00fczde 50’sini TL mevduata d\u00f6nme hedefi ile bankalar mevduat faizi yar\u0131\u015f\u0131na ba\u015flad\u0131.<\/p>\n
NEGAT\u0130F FA\u0130Z ENGEL\u0130<\/strong><\/p>\n Kamu bankalar\u0131nda ayl\u0131k vadelide ge\u00e7en hafta 28-29 band\u0131nda olan mevduat faizi hafta ba\u015f\u0131nda y\u00fczde 35- 36 band\u0131na \u00e7\u0131kt\u0131. \u00d6zel baz\u0131 bankalar ise m\u00fc\u015fteri TL KKM’nin y\u00fczde 50’sini vadesinde ayl\u0131k TL mevduata ge\u00e7erse; 32-91 g\u00fcne y\u00fczde 40, 92-95 g\u00fcne y\u00fczde 45 faiz veriyor. Ancak, se\u00e7im sonras\u0131nda dolarda ya\u015fanan h\u0131zl\u0131 y\u00fckseli\u015fin etkisiyle \u00fc\u00e7 ayl\u0131k vadelide a\u011fustosta y\u00fczde 140’a varan getiri sa\u011flayan tasarruf sahibini ikna etmek hi\u00e7 de kolay olmayacak.<\/p>\n Mevduat faizlerinin y\u00fckselmesi Kur Korumal\u0131 Mevduat hesab\u0131 sahiplerini \u00f6nemli \u00f6l\u00e7\u00fcde TL mevduata ge\u00e7mesini sa\u011flayabilir. Ancak Merkez Bankas\u0131’n\u0131n enflasyonla kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda politika faizini halen derin negatif faiz b\u00f6lgesinde tutmas\u0131 \u00f6zellikle TL’den KKM’ye ge\u00e7en tasarruf sahibinin d\u00f6n\u00fc\u015f\u00fcn\u00fc zorla\u015ft\u0131r\u0131yor.<\/p>\n TCMB’nin 2023 y\u0131l sonu enflasyon tahmini y\u00fczde 58’e \u00e7\u0131kt\u0131. TL mevduat faizi y\u00fczde 45’lere \u00e7\u0131km\u0131\u015f olsa dahi y\u00fczde 58’i a\u015fan enflasyonun sonucunda tasarruf sahibi eksi y\u00fczde 13’\u00fc a\u015fan ciddi bir negatif reel getiri ile seneyi kapatmak durumunda kalabilir.<\/p>\n KONUT KRED\u0130S\u0130NE FA\u0130Z FREN\u0130<\/strong><\/p>\n Faizlerdeki sert y\u00fckseli\u015f sonras\u0131 konut kredilerinin bireysel krediler i\u00e7indeki pay\u0131 haziranda y\u0131ll\u0131k bazda y\u00fczde 30.4 geriledi. Buna g\u00f6re, 2023 Haziran itibar\u0131yla konut kredilerinde ayl\u0131k faiz oran\u0131 y\u00fczde 1.84’e, y\u0131ll\u0131k bile\u015fik faiz ise y\u00fczde 24.45’e \u00e7\u0131karak Ocak 2019’dan itibaren en y\u00fcksek de\u011fere ula\u015ft\u0131. Faizlerdeki bu art\u0131\u015f sonras\u0131 konut kredilerinin bireysel krediler i\u00e7indeki pay\u0131 2023 Haziran’da bir \u00f6nceki y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re y\u00fczde 30.4 azald\u0131 ve y\u00fczde 20.1’e geriledi.<\/p>\n","protected":false},"excerpt":{"rendered":" TL mevduat faizi y\u00fczde 45\u2019lere \u00e7\u0131ksa bile mudiler negatif reel getiri ile y\u0131l\u0131 kapatabilir Bankalar\u0131n m\u00fc\u015fterilerini kur korumadan \u00e7\u0131kmaya ikna etmesi hi\u00e7 kolay olmayacak.<\/p>\n","protected":false},"author":1,"featured_media":121526,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[731,2820,10759,13910,11319],"class_list":["post-121525","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-faiz","tag-kkm","tag-krediler","tag-tl-mevduat","tag-vade"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/121525","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=121525"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/121525\/revisions"}],"predecessor-version":[{"id":121527,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/121525\/revisions\/121527"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/121526"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=121525"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=121525"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=121525"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}