{"id":16403,"date":"2022-07-30T05:34:59","date_gmt":"2022-07-30T05:34:59","guid":{"rendered":"https:\/\/haberulus.net\/?p=16403"},"modified":"2022-07-30T05:34:59","modified_gmt":"2022-07-30T05:34:59","slug":"faizler-4-yilin-zirvesine-cikti","status":"publish","type":"post","link":"https:\/\/haberulus.net\/?p=16403","title":{"rendered":"Faizler 4 y\u0131l\u0131n zirvesine \u00e7\u0131kt\u0131"},"content":{"rendered":"<p><b>Faizler son 4 y\u0131l\u0131n zirvesine t\u0131rman\u0131rken \u015firketlerin finansmana ula\u015f\u0131m\u0131 giderek zorla\u015f\u0131yor. Orta ve uzun vadede risk almak istemeyen bankalar, faizlerin y\u00fczde 55&#8217;lere ula\u015ft\u0131\u011f\u0131 rotatif ad\u0131 verilen kredilere y\u00f6neldi.<\/b><\/p>\n<p><strong>Merkez<\/strong> Bankas\u0131 (TCMB) politika faizini 7 ayd\u0131r y\u00fczde 14&#8217;de sabit tutarken, ekonomi y\u00f6netiminin kur, cari a\u00e7\u0131k ve enflasyonu yava\u015flatmak i\u00e7in devreye ald\u0131\u011f\u0131 faiz d\u0131\u015f\u0131 s\u0131k\u0131la\u015ft\u0131r\u0131c\u0131 \u00f6nlemler, piyasa faizlerinin h\u0131zla t\u0131rmanmas\u0131na yol a\u00e7t\u0131. TCMB verilerine g\u00f6re, ortalama ticari kredi faizleri ge\u00e7en hafta y\u00fczde 29.74&#8217;e y\u00fckselerek son 4 y\u0131l\u0131n zirvesine y\u00fckseldi. Faiz indirimlerinin ba\u015flad\u0131\u011f\u0131 Eyl\u00fcl 2021 \u00f6ncesinde ticari kredisi faizleri y\u00fczde 21 seviyelerinde bulunuyordu. S\u00f6z konusu 11 ayda ticari kredisi faizlerinde 850 baz puana yak\u0131n y\u00fckseli\u015f oldu. \u00dcstelik bu oran a\u011f\u0131rl\u0131kl\u0131 ortalamalar\u0131 g\u00f6sterirken, bir\u00e7ok \u015firket bu oran\u0131n \u00e7ok daha \u00fcst\u00fcnde kredi faizleriyle kar\u015f\u0131 kar\u015f\u0131ya kal\u0131yor. Faiz ortalamas\u0131n\u0131, halen y\u00fczde 17-18&#8217;lerde fiyatlama yapan ancak limiti olan m\u00fc\u015fterilerin dahi kredi kullanamad\u0131\u011f\u0131 kamu bankalar\u0131 d\u00fc\u015f\u00fcr\u00fcyor. Ancak piyasan\u0131n ger\u00e7ekleri ortalama faizlerin y\u00fczde 50&#8217;lerde oldu\u011funu g\u00f6steriyor.<\/p>\n<p><strong>KISA VADEL\u0130 POZ\u0130SYON<\/strong><\/p>\n<p>Spot ticari kredilerde ge\u00e7en y\u0131l y\u00fczde 21-22&#8217;lerde olan faiz oran\u0131 \u015fimdilerde y\u00fczde 40-45&#8217;e kadar \u00e7\u0131k\u0131yor. Bir y\u0131l \u00f6nce y\u00fczde 18-20&#8217;lerde olan rotatif ticari kredi faizleri ise y\u00fczde 47-55 aral\u0131\u011f\u0131na kadar y\u00fckselmi\u015f durumda. Bankac\u0131lar\u0131n verdi\u011fi bilgiye g\u00f6re enflasyonun alt\u0131nda eksi faizin s\u00fcrd\u00fcr\u00fclemeyece\u011fi ve \u00f6n\u00fcm\u00fczdeki d\u00f6nemde faizlerde ani y\u00fckseli\u015f beklentisi ile bankalar daha \u00e7ok, g\u00fcnl\u00fck faiz i\u015fledi\u011fi i\u00e7in k\u0131sa vadeli pozisyon alabildikleri rotatif kredilere y\u00f6neliyor.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/i01.sozcucdn.com\/wp-content\/uploads\/2022\/07\/29\/06rifat.jpg\" alt=\"\" title=\"\"><\/p>\n<p><b>Bankalara yap\u0131c\u0131 olun \u00e7a\u011fr\u0131s\u0131<\/b><\/p>\n<p><strong>\u0130\u015f<\/strong> d\u00fcnyas\u0131n\u0131n kredi ve faiz tepkisi ise her ge\u00e7en g\u00fcn b\u00fcy\u00fcyor. Son olarak T\u00fcrkiye Odalar ve Borsalar Birli\u011fi (TOBB) Ba\u015fkan\u0131 Rifat Hisarc\u0131kl\u0131o\u011flu, sosyal medya hesab\u0131ndan yapt\u0131\u011f\u0131 a\u00e7\u0131klamada banka kredilerine ula\u015fman\u0131n zorla\u015ft\u0131\u011f\u0131n\u0131 belirterek, \u201cT\u00fcrkiye\u2019nin her il ve il\u00e7esinden bankalara y\u00f6nelik \u015fikayetler art\u0131yor. Firmalar\u0131n kredi talepleri kar\u015f\u0131lanm\u0131yor veya \u00e7ok y\u00fcksek maliyetler \u00e7\u0131kar\u0131l\u0131yor. \u00dcretim, istihdam, yat\u0131r\u0131m i\u00e7in bankalar\u0131 daha duyarl\u0131 ve yap\u0131c\u0131 olmaya davet ediyorum\u201d ifadelerini kulland\u0131.<\/p>\n<p><b>\u00dc\u00e7 ay \u00fczeri fiyatlama yap\u0131lam\u0131yor<\/b><\/p>\n<p><strong>Bankac\u0131l\u0131k<\/strong> uzman\u0131 Erol Ta\u015fdelen, kamu veya \u00f6zel hemen hemen t\u00fcm bankalar\u0131n \u00fc\u00e7 ay \u00fczeri spot fiyatlama yapamad\u0131\u011f\u0131n\u0131, bunun da orta ve uzun vadede faizlerin daha da y\u00fckselece\u011fi anlam\u0131na geldi\u011fini s\u00f6yledi. Ta\u015fdelen, \u201cBankalar kredi satmak i\u00e7in u\u011fra\u015fm\u0131yor. Merkez\u2019den y\u00fczde 14 ile bor\u00e7lanan bankalar, Hazine&#8217;ye y\u00fck- sek faiz ile bor\u00e7 veriyor. Halen bankalar\u0131n ana m\u00fc\u015fterisi Hazine\u201d dedi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Faizler son 4 y\u0131l\u0131n zirvesine t\u0131rman\u0131rken \u015firketlerin finansmana ula\u015f\u0131m\u0131 giderek zorla\u015f\u0131yor. Orta ve uzun vadede risk almak istemeyen bankalar &#8230;<\/p>\n","protected":false},"author":1,"featured_media":16404,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[1522,731,4284,972,770],"class_list":["post-16403","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankalar","tag-faiz","tag-faizler","tag-kredi","tag-orta"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/16403","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=16403"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/16403\/revisions"}],"predecessor-version":[{"id":16405,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/16403\/revisions\/16405"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/16404"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=16403"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=16403"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=16403"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}