{"id":90764,"date":"2023-05-16T06:25:03","date_gmt":"2023-05-16T06:25:03","guid":{"rendered":"https:\/\/haberulus.net\/?p=90764"},"modified":"2023-05-16T06:25:03","modified_gmt":"2023-05-16T06:25:03","slug":"tcmb-menkul-kiymet-tesisi-uygulamasina-tuketici-kredilerini-de-dahil-etti","status":"publish","type":"post","link":"https:\/\/haberulus.net\/?p=90764","title":{"rendered":"TCMB menkul k\u0131ymet tesisi uygulamas\u0131na t\u00fcketici kredilerini de dahil etti"},"content":{"rendered":"<p>Merkez Bankas\u0131 (TCMB) kredi b\u00fcy\u00fcmesine g\u00f6re menkul k\u0131ymet tesisi uygulamas\u0131n\u0131n kapsam\u0131 geni\u015fletilerek, di\u011fer ticari krediler ile\u00a0<span>t\u00fcketici kredilerini de bu kapsama dahil etti.<\/span><\/p>\n<p>TCMB\u2019nin d\u00fcn bankalara g\u00f6nderdi\u011fi ve Reuters taraf\u0131ndan g\u00f6r\u00fclen yaz\u0131ya g\u00f6re, yeni eklenenlerle birlikte ilgili kredi t\u00fcrleri baz\u0131nda ayr\u0131 ayr\u0131 olmak \u00fczere bir \u00f6nceki hesaplama tarihine g\u00f6re b\u00fcy\u00fcme oranlar\u0131 y\u00fczde 3\u2019\u00fcn \u00fczerinde ger\u00e7ekle\u015firse, bu oran\u0131 a\u015fan kredi tutar\u0131 kadar menkul k\u0131ymetin bir y\u0131l boyunca bloke olarak tesis edilmesi gerekecek.<\/p>\n<p>TCMB belirli bir limitin \u00fczerindeki bireysel kredi kartlar\u0131 vas\u0131tas\u0131yla yap\u0131lan nakit \u00e7ekimi ve kuyum harcamalar\u0131n\u0131n kredi t\u00fcr\u00fcne g\u00f6re y\u00fczde 30 oran\u0131nda menkul k\u0131ymet tesisine tabi olmas\u0131na karar verdi.<\/p>\n<p><b>NAK\u0130T AVANS VE ALTIN \u0130\u00c7\u0130N DE GE\u00c7ERL\u0130 OLACAK<\/b><\/p>\n<p>Bu de\u011fi\u015fiklik 16 May\u0131s 2023 tarihinden itibaren yap\u0131lan kuyum harcamalar\u0131 ve nakit \u00e7ekimleri i\u00e7in ge\u00e7erli olacak.<\/p>\n<p>Kredi kart\u0131na nakit avans ya da taksitli nakit avans maliyetleri ayl\u0131k bazda y\u00fczde 1.36 faiz ile TL cinsi en d\u00fc\u015f\u00fck bor\u00e7lanmay\u0131 sa\u011flad\u0131\u011f\u0131 i\u00e7in se\u00e7im \u00f6ncesinde bireysel talebin en y\u00fcksek oldu\u011fu bor\u00e7lanma kanal\u0131 haline gelmi\u015fti.<\/p>\n<p>Bankalar, y\u0131ll\u0131k y\u00fczde 20\u2019e yak\u0131n olduk\u00e7a d\u00fc\u015f\u00fck bir faizle bor\u00e7lanmay\u0131 sa\u011flayan bu imkan kapsam\u0131nda kredi kulland\u0131r\u0131m\u0131n\u0131 TCMB\u2019nin bu ad\u0131m\u0131 \u00f6ncesi daraltmaya ba\u015flad\u0131klar\u0131n\u0131 belirtmi\u015flerdi.<\/p>\n<p>Baz\u0131 bankalar bu yaz\u0131 \u00f6ncesi en y\u00fcksek kulland\u0131r\u0131labilecek nakit avans tutar\u0131n\u0131 d\u00fc\u015f\u00fcr\u00fcrken bir \u00e7ok banka da en uzun vadeyi 12 aydan 6 aya indirmi\u015fti.<\/p>\n<p>TCMB\u2019nin fiziki alt\u0131n kar\u015f\u0131l\u0131\u011f\u0131 a\u00e7\u0131lan d\u00f6n\u00fc\u015f\u00fcm hesaplar\u0131n\u0131n hesaplama y\u00f6ntemlerinde de de\u011fi\u015fiklere gitti. (REUTERS)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Merkez Bankas\u0131 (TCMB) kredi b\u00fcy\u00fcmesine g\u00f6re menkul k\u0131ymet tesisi uygulamas\u0131n\u0131n kapsam\u0131 geni\u015fletilerek, di\u011fer ticari krediler ile\u00a0t\u00fcketici kredilerini de bu kapsama dahil etti. Bu de\u011fi\u015fiklik, yap\u0131lan kuyum harcamalar\u0131 ve nakit \u00e7ekimleri i\u00e7in ge\u00e7erli olacak.<\/p>\n","protected":false},"author":1,"featured_media":90765,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[936,972,4833,1422],"class_list":["post-90764","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-kredi","tag-nakit","tag-tcmb"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/90764","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=90764"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/90764\/revisions"}],"predecessor-version":[{"id":90766,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/90764\/revisions\/90766"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/90765"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=90764"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=90764"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=90764"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}