T\u00fcrkiye\u2019de 36.1 milyon vatanda\u015f 1.2 trilyon liray\u0131 a\u015fan banka borcunu nas\u0131l \u00f6deyece\u011fini d\u00fc\u015f\u00fcn\u00fcrken, borcundan dolay\u0131 takibe d\u00fc\u015fen 4.1 milyon ki\u015finin umudu yap\u0131land\u0131rmaya kald\u0131. <\/b><\/p>\n
Ge\u00e7im s\u0131k\u0131nt\u0131s\u0131yla banka kredisi ve kredi kartlar\u0131 ile ba\u015f etmeye \u00e7al\u0131\u015fanlar\u0131n say\u0131s\u0131 h\u0131zla y\u00fckselirken ufukta g\u00f6r\u00fcnen bireysel iflas dalgas\u0131 endi\u015fe yarat\u0131yor. Bankalara borcu olan 36.1 milyon vatanda\u015f y\u00fcksek enflasyon ortam\u0131nda bor\u00e7lar\u0131n\u0131 nas\u0131l \u00f6deyece\u011fini d\u00fc\u015f\u00fcn\u00fcrken, borcundan dolay\u0131 takibe d\u00fc\u015fen 4.1 milyon ki\u015fi de yap\u0131land\u0131rma bekliyor.<\/p>\n
ORTALAMA BOR\u00c7 33 B\u0130N\u0130 A\u015eTI<\/strong><\/p>\n T\u00fcrkiye Bankalar Birli\u011fi (TBB) Risk Merkezi verilerine g\u00f6re,\u00a0 2022’de enflasyon h\u0131zla \u00fc\u00e7 hanelere y\u00fckselirken,\u00a0 bireysel kredi veya bireysel kredi kart\u0131 borcundan dolay\u0131 yasal takipteki ki\u015fi say\u0131s\u0131 ise Ocak-May\u0131s 2022 d\u00f6neminde 748 bin 437 ki\u015fi oldu. Bu say\u0131 2021 y\u0131l\u0131n\u0131n ayn\u0131 d\u00f6neminde 408 bin 913 ki\u015fiydi. B\u00f6ylece bireysel kredi ve bireysel kredi kart\u0131 borcunu \u00f6dememi\u015f ki\u015fi say\u0131s\u0131 May\u0131s 2022 itibar\u0131yla 4 milyon 147 bin 977’ye ula\u015ft\u0131. Bireysel kredi kartlar\u0131n\u0131 da i\u00e7eren bireysel kredilerde tasfiye olunacak alacaklar ise bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 55 art\u0131\u015f ile 30.5 milyar TL oldu.<\/p>\n TBB Risk Merkezi may\u0131s ay\u0131 raporuna g\u00f6re, takipteki krediler hari\u00e7 bireysel kredi kullanan ki\u015fi say\u0131s\u0131 son bir y\u0131lda yakla\u015f\u0131k 1.7 milyon ki\u015fi artarak 36.1 milyon ki\u015fiye ula\u015ft\u0131. Bor\u00e7lu ki\u015filere ait ortalama kredi bakiyesi ise 33 bin 400 TL’ye \u00e7\u0131kt\u0131.\u00a0 Ki\u015fi ba\u015f\u0131na ortalama bireysel kredi (kredi kart\u0131 dahil) toplam bakiyesi en y\u00fcksek iller ise s\u0131ras\u0131yla, Ankara, \u0130zmir, Tekirda\u011f oldu.<\/p>\n Y\u00fczde 69’u ihtiya\u00e7tan kullan\u0131ld\u0131<\/b><\/p>\n Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu’nun (BDDK) verilerine g\u00f6re 22 Temmuz itibar\u0131yla 1 trilyon 207 milyar TL’ye ula\u015fan toplam t\u00fcketici kredi ve kredi kartlar\u0131 hacminin y\u00fczde 69’unu ihtiya\u00e7 kredileri ile bireysel kredi kartlar\u0131 olu\u015fturuyor. Vatanda\u015f anl\u0131k ihtiya\u00e7lar\u0131 ve g\u00fcn\u00fc kurtarmak i\u00e7in kredi kullanmay\u0131 tercih ederken, t\u00fcketici kredilerinde limitler 50.000-70.000 TL aral\u0131\u011f\u0131na indi. Verilere g\u00f6re vatanda\u015f\u0131n bankalara olan kredi ve kart bor\u00e7lar\u0131 son bir y\u0131lda 327 milyar TL art\u0131\u015f g\u00f6sterdi.<\/p>\n Marketlerde kartlarla rekor k\u0131r\u0131ld\u0131<\/b><\/p>\n Hayat pahal\u0131l\u0131\u011f\u0131 kendini kredi kart\u0131 harcamalar\u0131nda dramatik bir bi\u00e7imde kendini g\u00f6steriyor. BDDK verilerine g\u00f6re bireysel kredi kartlar\u0131 hacmi 22 Temmuz itibar\u0131yla 286 milyar TL’yi buluyor. 2021 y\u0131l\u0131 Temmuz ay\u0131nda bu bor\u00e7 171.3 milyar TL, 2000 y\u0131l\u0131 Temmuz ay\u0131nda ise 120.2 milyar TL idi. Merkez Bankas\u0131’n\u0131n kartl\u0131 harcama verileri, bu y\u0131l \u00f6zellikle market al\u0131\u015fveri\u015finde tarihi rekorlar k\u0131r\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6sterdi.<\/p>\n","protected":false},"excerpt":{"rendered":" T\u00fcrkiye\u2019de 36.1 milyon vatanda\u015f 1.2 trilyon liray\u0131 a\u015fan banka borcunu nas\u0131l \u00f6deyece\u011fini d\u00fc\u015f\u00fcn\u00fcrken, borcundan dolay\u0131 takibe d\u00fc\u015fen 4.1 milyon …<\/p>\n","protected":false},"author":1,"featured_media":17898,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[936,2482,2320,972,95],"class_list":["post-17897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-bireysel-kredi","tag-kart","tag-kredi","tag-milyon"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/17897","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=17897"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/17897\/revisions"}],"predecessor-version":[{"id":17899,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/17897\/revisions\/17899"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/17898"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=17897"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=17897"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=17897"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}