{"id":20555,"date":"2022-08-08T14:06:08","date_gmt":"2022-08-08T14:06:08","guid":{"rendered":"https:\/\/haberulus.net\/?p=20555"},"modified":"2022-08-08T14:06:08","modified_gmt":"2022-08-08T14:06:08","slug":"vatandaslarin-yuzde-33u-kart-borcunu-geciktiriyor","status":"publish","type":"post","link":"https:\/\/haberulus.net\/?p=20555","title":{"rendered":"Vatanda\u015flar\u0131n y\u00fczde 33\u2019\u00fc kart borcunu geciktiriyor"},"content":{"rendered":"

Bir ara\u015ft\u0131rmaya g\u00f6re ayl\u0131k harcamas\u0131n\u0131n % 50\u2019sinden fazlas\u0131n\u0131 kredi kart\u0131 ile yapanlar\u0131n oran\u0131 % 70\u2019lere \u00e7\u0131kt\u0131… Millet bor\u00e7 bata\u011f\u0131nda. Vatanda\u015f\u0131n % 33\u2019\u00fc ise kart borcunu geciktiriyor.<\/b><\/p>\n

Kredi kartlar\u0131na y\u00fcklenerek ay sonuna ula\u015fabilen vatanda\u015flar, semt pazarlar\u0131nda dahi bor\u00e7lanarak harcama yapar hale geldi. Ara\u015ft\u0131rmalara g\u00f6re her 100 ki\u015fiden 41’i ayl\u0131k harcamalar\u0131n\u0131n y\u00fczde 75’inden fazlas\u0131n\u0131 kredi kart\u0131 ile yapt\u0131klar\u0131n\u0131 s\u00f6yl\u00fcyor. Ayl\u0131k harcamalar\u0131n y\u00fczde 50’sinden fazlas\u0131n\u0131 kredi kart\u0131 ile yapanlar ile bu oran y\u00fczde 70’lere var\u0131yor. T\u00fcketici Birli\u011fi Federasyonu’nun ger\u00e7ekle\u015ftirdi\u011fi \u2018Temmuz 2022 C\u00fczdan\u0131m\u0131zda Ne Var’ ara\u015ft\u0131rmas\u0131n\u0131n sonu\u00e7lar\u0131 vatanda\u015f\u0131n alarm veren kredi kart\u0131 harcamalar\u0131n\u0131 g\u00f6zler \u00f6n\u00fcne serdi.\u00a0 23-31 Temmuz 2022 tarihleri aras\u0131nda 439 ki\u015fi kat\u0131l\u0131m\u0131yla ger\u00e7ekle\u015ftirilen ara\u015ft\u0131rmaya g\u00f6re vatanda\u015flar\u0131n y\u00fczde 33’\u00fc kredi kart\u0131 borcunu
zaman\u0131nda \u00f6deyemiyor.<\/p>\n

SON \u00dc\u00c7 AYDA H\u0130SSED\u0130LD\u0130<\/strong><\/p>\n

Ara\u015ft\u0131rma kredi kart\u0131 borcunun tamam\u0131n\u0131 zaman\u0131nda \u00f6deyemeyenler daha \u00e7ok, d\u00fc\u015f\u00fck gelir gruplar\u0131, \u00f6\u011frenciler, \u00fccretli \u00e7al\u0131\u015fanlar ve \u00e7al\u0131\u015fmayanlar ve kirada oturanlar oldu\u011funu g\u00f6steriyor. Dikkat \u00e7ekici bir sonu\u00e7 ise kredi kart\u0131 borcunu hi\u00e7 \u00f6deyemedi\u011fini s\u00f6yleyenler aras\u0131nda emekli, \u00f6\u011frenci ve \u00fccretli \u00e7al\u0131\u015fanlar d\u0131\u015f\u0131nda profesyonel meslek sahibi ki\u015filerin de bulunmas\u0131.<\/p>\n

Ara\u015ft\u0131rma, kronik olarak kredi kart\u0131 borcunu k\u0131smi \u00f6deyenlere son 3 ay i\u00e7inde y\u00fczde 10 oran\u0131nda yeni bir grup vatanda\u015f eklendi\u011fini g\u00f6steriyor.\u00a0 Ara\u015ft\u0131rmaya g\u00f6re, kredi kart\u0131 borcunu \u00f6deyemeyenlerin y\u00fczde 60’\u0131 nakit avans \u00e7ekiyor. \u00dcstelik, bir zamanlar nakit \u00f6demenin tercih edildi\u011fi manav, bakkal, kasap \u00f6demelerinde kredi kart kullan\u0131m\u0131n\u0131n y\u00fczde 20’lerden y\u00fczde 70’lere \u00e7\u0131kt\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor.<\/p>\n

\"\"<\/p>\n

Bir y\u0131lda kart y\u00fck\u00fcne 120.8 milyar eklendi<\/b><\/p>\n

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) haftal\u0131k verilerine g\u00f6re 29 Temmuz itibar\u0131yla bireylere ait kredi kart\u0131 kullan\u0131m\u0131 294 milyar 611 milyon TL’ye ula\u015fm\u0131\u015f durumda. Bu tutar son bir y\u0131lda y\u00fczde 70’lik h\u0131zl\u0131 bir art\u0131\u015fa i\u015faret ediyor. Vatanda\u015f\u0131n kartlara y\u00fcklenmesiyle 12 ayda bor\u00e7 y\u00fck\u00fcne 120 milyar 800 milyon TL daha eklendi\u011fi g\u00f6r\u00fcl\u00fcyor.<\/p>\n

Kirada oturanlarda bat\u0131k b\u00fcy\u00fck<\/b><\/p>\n

Ara\u015ft\u0131rmada, kredi kart\u0131 bor\u00e7lar\u0131n\u0131 \u00f6deyemedi\u011fi i\u00e7in takibe d\u00fc\u015fenler ile ilgili bulgular
ise \u015f\u00f6yle \u00f6zetleniyor:<\/p>\n

\u2013 D\u00fc\u015f\u00fck gelir gruplar\u0131 ile birlikte \u00fccretli \u00e7al\u0131\u015fanlar, \u00f6\u011frenciler, memurlar ve i\u015fi olmayanlar di\u011fer gruplara k\u0131yasla daha \u00e7ok takibe d\u00fc\u015f\u00fcyor.<\/p>\n

\u2013 Hanede gelir elde etmek i\u00e7in \u00e7al\u0131\u015fan say\u0131s\u0131 d\u00fc\u015ft\u00fck\u00e7e takibe d\u00fc\u015fme oranlar\u0131 art\u0131yor.<\/p>\n

\u2013 Bekarlar i\u00e7inde takibe d\u00fc\u015fme oran\u0131 ise a\u00e7\u0131k ara fazla.<\/p>\n

\u2013 Z ku\u015fa\u011f\u0131 (18-24) ya\u015f aras\u0131 takibe d\u00fc\u015fme oran\u0131 daha y\u00fcksek; bu ya\u015f grubunu 25-34 ve 35-44 ya\u015f gruplar\u0131 takip ediyor.<\/p>\n

\u2013 Kirada oturanlar aras\u0131nda takibe d\u00fc\u015fme oran\u0131 daha y\u00fcksek.<\/p>\n

\u2013 Kredi takibine d\u00fc\u015fenlerin\u00a0y\u00fczde 53’\u00fc kartlar\u0131ndan nakit avans \u00e7ekiyor.<\/p>\n

\u2013 BDDK verilerine g\u00f6re takibe d\u00fc\u015fen bireysel kredi kart\u0131 borcu 6.9 milyar TL\u2019yi buluyor.<\/p>\n","protected":false},"excerpt":{"rendered":"

Bir ara\u015ft\u0131rmaya g\u00f6re ayl\u0131k harcamas\u0131n\u0131n % 50\u2019sinden fazlas\u0131n\u0131 kredi kart\u0131 ile yapanlar\u0131n oran\u0131 % 70\u2019lere \u00e7\u0131kt\u0131… Millet bor\u00e7 bata\u011f\u0131nda …<\/p>\n","protected":false},"author":1,"featured_media":20556,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[226,2320,2791,5004,826],"class_list":["post-20555","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-arastirma","tag-kart","tag-kredi-karti","tag-takibe","tag-vatandas"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/20555","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=20555"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/20555\/revisions"}],"predecessor-version":[{"id":20557,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/20555\/revisions\/20557"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/20556"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20555"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20555"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20555"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}