\u0130ktidar\u0131n Aral\u0131k 2021 tarihinden itibaren 1,5 y\u0131l s\u00fcre boyunca uygulad\u0131\u011f\u0131 ve Haziran 2023 y\u0131l\u0131ndan sonra rafa kald\u0131rd\u0131\u011f\u0131 ekonomi modeli vatanda\u015f\u0131n paras\u0131n\u0131 pula \u00e7evirdi. Ge\u00e7im derdine d\u00fc\u015fen halk, borca sar\u0131ld\u0131.<\/p>\n
May\u0131s ay\u0131ndaki se\u00e7imlerden sonra \u2018rasyonel\u2019 politikalara d\u00f6n\u00fc\u015f \u00e7er\u00e7evesinde d\u00fc\u015f\u00fck faiz politikas\u0131n\u0131 terk ederek faiz art\u0131\u015f\u0131na ba\u015flayan AKP iktidar\u0131n\u0131n vergi art\u0131\u015flar\u0131yla sars\u0131ld\u0131.<\/p>\n
Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) taraf\u0131ndan yay\u0131mlanan verilere g\u00f6re,\u00a0 se\u00e7imden sonra d\u00f6viz kurlar\u0131ndaki \u015fok art\u0131\u015f sonras\u0131nda zam bombard\u0131man\u0131na maruz kalan vatanda\u015f solu\u011fu bankalarda ald\u0131.<\/p>\n
B\u0130R YILLIK ARTI\u015e Y\u00dcZDE 85\u2019\u0130 GE\u00c7T\u0130<\/strong><\/p>\n T\u00fcketici kredileri ve bireysel kredi kart\u0131 harcamalar\u0131n\u0131n toplam miktar\u0131 14 May\u0131s se\u00e7imlerinin \u00f6ncesinde 2 trilyon 23 milyar lira seviyesindeydi. BDDK’n\u0131n yay\u0131nlad\u0131\u011f\u0131 d\u00fcn yay\u0131mlad\u0131\u011f\u0131 haftal\u0131k b\u00fcltene g\u00f6re, 25 A\u011fustos itibariyle bu rakam 2 trilyon 324 milyar liraya \u00e7\u0131kt\u0131.<\/p>\n Se\u00e7imden bu yana ge\u00e7en \u00fc\u00e7 ayda vatanda\u015f\u0131n bankalara borcu 301 milyar lira art\u0131\u015f g\u00f6sterdi. 26 A\u011fustos 2022 tarihinde halk\u0131n bankalara olan toplam borcunun 1 trilyon 255 milyar lira oldu\u011fu dikkate al\u0131nd\u0131\u011f\u0131nda borcun bir y\u0131lda y\u00fczde 85.81 artt\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc.<\/p>\n T\u00dcKET\u0130C\u0130 KRED\u0130LER\u0130<\/strong><\/p>\n Verilere g\u00f6re, t\u00fcketici kredileri tutar\u0131, 25 A\u011fustos itibar\u0131yla 12 May\u0131s’tan bu yana 81 milyar lira art\u0131\u015fla 1 trilyon 434 milyar liraya y\u00fckseldi. S\u00f6z konusu kredilerin 447 milyar 736 milyon liras\u0131 konut, 87 milyar 84 milyon liras\u0131 ta\u015f\u0131t ve 899 milyar 991 milyon liras\u0131 ihtiya\u00e7 kredilerinden olu\u015ftu.<\/p>\n Se\u00e7imden bu yana t\u00fcketici kredilerinde en b\u00fcy\u00fck art\u0131\u015f 47 milyar lira ile ihtiya\u00e7 kredisinde g\u00f6r\u00fcld\u00fc.<\/p>\n S\u0131f\u0131r ara\u00e7 bulmad\u0131 ki zorluklar, kurdaki art\u0131\u015f nedeniyle otomobil fiyatlar\u0131ndaki y\u00fckseli\u015f nedeniyle ta\u015f\u0131t kredilerindeki art\u0131\u015f sadece 10 milyar lira oldu. Konut kredilerindeki art\u0131\u015f ise 24 milyar lirada kald\u0131.<\/p>\n KRED\u0130 KARTI HARCAMALARI<\/strong><\/p>\n Bankalar\u0131n bireysel kredi kart\u0131 alacaklar\u0131 da 12 May\u0131s’tan bu yana 220 milyar lira art\u0131\u015fla 670 milyar liradan 890 milyar liraya y\u00fckseldi. Bireysel kredi kart\u0131 alacaklar\u0131n\u0131n 410 milyar liras\u0131 taksitli, 480 milyar liras\u0131 taksitsiz alacaklardan olu\u015ftu.<\/p>\n T\u00fcrkiye Bankalar Birli\u011fi Risk Merkezi\u2019nin yay\u0131mlad\u0131\u011f\u0131 rapora g\u00f6re Haziran 2023 itibariyle bireysel kredi kullanan ki\u015fi say\u0131s\u0131 son bir y\u0131lda 1,8 milyon ki\u015fi artarak 38,6 milyon ki\u015fi olurken, ortalama kredi bakiyesi ise 57 bin TL d\u00fczeyinde ger\u00e7ekle\u015fmi\u015fti.<\/p>\n","protected":false},"excerpt":{"rendered":" Se\u00e7imden sonra vatanda\u015f\u0131n bankalara borcu \u00fc\u00e7 ayda 301 milyar lira artt\u0131. Bir y\u0131ll\u0131k art\u0131\u015f ise 1 trilyon liray\u0131 a\u015ft\u0131.<\/p>\n","protected":false},"author":1,"featured_media":122719,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[62,1522,972,5368,95],"class_list":["post-122718","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-artis","tag-bankalar","tag-kredi","tag-kredileri","tag-milyon"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/122718","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=122718"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/122718\/revisions"}],"predecessor-version":[{"id":122720,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/122718\/revisions\/122720"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/122719"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=122718"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=122718"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=122718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}