Kamu bankalar\u0131 t\u00fcketici ve konut kredisi b\u00fcy\u00fcmesini yava\u015flat\u0131c\u0131 ad\u0131mlar atarken, kredi ve mevduat faizleri sert y\u00fckseli\u015fte.<\/b><\/p>\n
Kamu bankalar\u0131 ikinci el konut ve t\u00fcketici kredisi b\u00fcy\u00fcmesini s\u0131n\u0131rlayacak ad\u0131mlar\u0131n\u0131 belirginle\u015ftirirken; hem ucuz TL kredilere artan talep hem de BDDK ba\u015fta olmak \u00fczere al\u0131nan \u00f6nlemlerin maliyet art\u0131r\u0131c\u0131 etkisi ile kredi ve mevduat faizleri ise sert y\u00fckseli\u015fe ge\u00e7ti.<\/p>\n
Bankac\u0131l\u0131k kaynaklar\u0131n\u0131n verdi\u011fi bilgiye g\u00f6re, baz\u0131 kamu bankalar\u0131 ikinci el konut kredisi kullan\u0131m\u0131 \u00fcst limitini 150 bin TL\u2019ye kadar d\u00fc\u015f\u00fcrd\u00fc. Benzer \u015fekilde kamu bankalar\u0131nda \u015fube bazl\u0131 kredi miktar\u0131 ve kredi say\u0131s\u0131 uygulamas\u0131 ile de kredi kulland\u0131rmay\u0131 azalt\u0131c\u0131 \u00f6nlemler al\u0131n\u0131yor.<\/p>\n
Ekonomi y\u00f6netiminin krediler \u00fczerinden ald\u0131\u011f\u0131 \u00f6nlemlerin maliyete yans\u0131mas\u0131yla bir s\u00fcredir y\u00fckseli\u015fte olan mevduat ve kredi faizleri ise \u00f6zel bankalarda daha da y\u00fckseldi.<\/p>\n
Artan maliyetlerin yans\u0131d\u0131\u011f\u0131 TL mevduat faizleri y\u00fczde 25\u2019lere do\u011fru giderken, dolar mevduatlarda ge\u00e7en aylarda y\u00fczde 5 seviyesinde olan faiz baz\u0131 bankalarda y\u00fczde 6,5\u2019in \u00fczerine \u00e7\u0131kt\u0131, euro mevduatlarda ise bu oran y\u00fczde 5\u2019e yakla\u015ft\u0131.<\/p>\n
Sekt\u00f6rde bireysel ve ticari kredi faizleri de y\u00fckseli\u015fini s\u00fcrd\u00fcr\u00fcyor. Bir ara y\u00fczde 20\u2019ye kadar gerileyen ticari kredi faizleri \u015fu an y\u00fczde 30-40 aral\u0131\u011f\u0131nda bulunuyor.<\/p>\n
T\u00dcKET\u0130C\u0130 KRED\u0130DE B\u00dcY\u00dcME HIZI Y\u00dcZDE 60\u2019A GELD\u0130<\/b><\/p>\n
Bankac\u0131lar 13 haftal\u0131k kurdan ar\u0131nd\u0131r\u0131lm\u0131\u015f bak\u0131ld\u0131\u011f\u0131nda t\u00fcketici kredilerinde b\u00fcy\u00fcme h\u0131z\u0131n\u0131n nisan sonundaki y\u00fczde 30\u2019lardan haziran sonu itibar\u0131yla y\u00fczde 60\u2019a ula\u015ft\u0131\u011f\u0131na dikkat \u00e7ekiyor. Ayn\u0131 d\u00f6nemde ticari kredilerde ise b\u00fcy\u00fcme h\u0131z\u0131 y\u00fczde 55\u2019ten y\u00fczde 40\u2019a do\u011fru geriledi.<\/p>\n
H\u00fck\u00fcmetin ekonomi politikalar\u0131nda cari a\u00e7\u0131\u011f\u0131 azaltmak ad\u0131na istihdam ve ihracat odakl\u0131 kurumsal krediler te\u015fvik ediliyor. Ancak d\u00fc\u015f\u00fck faiz politikas\u0131 nedeniyle TL\u2019de de\u011ferini koruyamayan bireyseller ise i\u00e7 t\u00fcketimi canland\u0131racak \u015fekilde y\u00fcksek kredi kullan\u0131m\u0131n\u0131 tercih ediyor.<\/p>\n
EN FAZLA 150 B\u0130N L\u0130RALIK KONUT KRED\u0130S\u0130<\/b><\/p>\n
Ama\u00e7lanan kredi b\u00fcy\u00fcmesinden farkl\u0131 olarak y\u00fcksek enflasyon ortam\u0131nda bireysel kredilerde a\u015f\u0131r\u0131 h\u0131zlanma trendi ise kamu bankalar\u0131 taraf\u0131ndan BDDK ad\u0131mlar\u0131na da paralel olarak son d\u00f6nemde s\u0131n\u0131rlanmaya \u00e7al\u0131\u015f\u0131l\u0131yor.<\/p>\n
Konu hakk\u0131nda bilgi sahibi \u00fcst d\u00fczey bir bankac\u0131, \u201cBaz\u0131 kamu bankalar\u0131 konut kredilerinde \u00fcst limiti 150 bin\u00a0 TL\u2019ye indirdi. Baz\u0131lar\u0131 ise maksimum 500,000 TL konut kredisi kulland\u0131r\u0131yor\u201d dedi ve ekledi:<\/p>\n
L\u0130K\u0130D\u0130TE SIKINTISI MEVDUAT FA\u0130ZLER\u0130N\u0130 ARTIRDI<\/b><\/p>\n
\u201cBankalarda ayr\u0131ca bir likidite s\u0131k\u0131nt\u0131s\u0131 olu\u015fmu\u015f durumda. TCMB\u2019nin son d\u00fczenlemeleri sonras\u0131 bankalar\u0131n sabit faizli D\u0130BS portf\u00f6ylerini art\u0131rmalar\u0131 likidite s\u0131k\u0131\u015f\u0131kl\u0131\u011f\u0131na neden oldu. TL\u2019de s\u0131k\u0131\u015f\u0131kl\u0131\u011f\u0131n artmas\u0131n\u0131n da mevduat faizlerindeki y\u00fckseli\u015fte etkisi b\u00fcy\u00fck\u201d dedi.<\/p>\n
Kamu bankalar\u0131 konuyla ilgili bir yorum yapmad\u0131.<\/p>\n
TCMB, \u201clirala\u015fma\u201d kapsam\u0131nda d\u00f6viz mevduat\u0131 kar\u015f\u0131l\u0131\u011f\u0131 TL sabit kuponlu tahvil tutulmas\u0131 y\u00f6n\u00fcnde ad\u0131mlar atarken, teminat sisteminde TL\u2019nin a\u011f\u0131rl\u0131\u011f\u0131n\u0131 art\u0131r\u0131c\u0131 ad\u0131mlar\u0131 daha kuvvetlendirdi. Bu ad\u0131mlar bankalar\u0131 devasa tutarlarda sabit kuponlu uzun vadeli tahvile y\u00f6nlendirdi ve likidite bu alana kayd\u0131.<\/p>\n
Bir di\u011fer bankac\u0131 ise, \u201cEnflasyon nedeniyle bireyler krediye dayal\u0131 i\u00e7 t\u00fcketime y\u00f6nelmi\u015f durumda. Faizler kademeli art\u0131\u015ftayd\u0131 ancak enflasyon y\u00fczde 80, kredi faizi y\u00fczde 30 olunca son \u00fc\u00e7 ayd\u0131r bireysel ba\u015fta olmak \u00fczere t\u00fcm kredilerde ciddi bir talep patlamas\u0131 g\u00f6rd\u00fck. Maliyetler BDDK kararlar\u0131yla y\u00fckseltildi\u201d diye konu\u015ftu.<\/p>\n
BDDK, 100 bin TL \u00fczerindeki t\u00fcketici kredileri i\u00e7in vade s\u0131n\u0131r\u0131n\u0131 24 aydan 12 aya d\u00fc\u015f\u00fcr\u00fcrken, kredi kart\u0131 asgari \u00f6deme tutarlar\u0131n\u0131 y\u00fcksek miktarlar i\u00e7in Haziran ba\u015f\u0131nda art\u0131rm\u0131\u015ft\u0131. Ayr\u0131ca konut kredilerinde de 10 milyon TL \u00fczeri de\u011fer i\u00e7in kredi kullan\u0131m\u0131 yasakland\u0131, de\u011fere g\u00f6re limitler getirildi. (REUTERS)<\/p>\n","protected":false},"excerpt":{"rendered":"
Kamu bankalar\u0131 t\u00fcketici ve konut kredisi b\u00fcy\u00fcmesini yava\u015flat\u0131c\u0131 ad\u0131mlar atarken, kredi ve mevduat faizleri sert y\u00fckseli\u015fte. Kamu bankalar\u0131 …<\/p>\n","protected":false},"author":1,"featured_media":4112,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[645,731,1459,1120,972],"class_list":["post-4111","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-buyume","tag-faiz","tag-kamu-bankalari","tag-konut","tag-kredi"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/4111","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=4111"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/4111\/revisions"}],"predecessor-version":[{"id":4113,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/4111\/revisions\/4113"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/4112"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4111"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4111"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}