{"id":91394,"date":"2023-05-17T03:05:03","date_gmt":"2023-05-17T03:05:03","guid":{"rendered":"https:\/\/haberulus.net\/?p=91394"},"modified":"2023-05-17T03:05:03","modified_gmt":"2023-05-17T03:05:03","slug":"merkez-simdi-de-kredi-kartina-el-atti","status":"publish","type":"post","link":"https:\/\/haberulus.net\/?p=91394","title":{"rendered":"Merkez \u015fimdi de kredi kart\u0131na el att\u0131"},"content":{"rendered":"

Nisan ay\u0131ndan bu yana d\u00f6viz rezervinden 17.7 milyar dolar harcayan Merkez Bankas\u0131 (TCMB), \u015fimdi de t\u00fcketicilerin kredi kartlar\u0131na el att\u0131. Bankalardan edinilen bilgiye g\u00f6re, TCMB, belirli bir limitin \u00fczerinde olan kredi kartlar\u0131nda nakit \u00e7ekim ve kuyum harcamalar\u0131 i\u00e7in d\u00fczenlemeye gitti. Buna g\u00f6re, bankalar\u0131n kredi kart\u0131 limiti 50 bin liran\u0131n \u00fczerinde olan m\u00fc\u015fterilerinin kredi kart\u0131yla yapt\u0131klar\u0131 alt\u0131n ve m\u00fccevherat al\u0131mlar\u0131n\u0131n y\u00fczde 30’u tutar\u0131nda devlet tahvili alma zorunlulu\u011fu getirildi. Ayr\u0131ca, art\u0131k KOB\u0130, ihracat, yat\u0131r\u0131m, tar\u0131m, t\u00fcketicisi kredisi farketmez, ayr\u0131 ayr\u0131 ayl\u0131k art\u0131\u015f y\u00fczde 3’\u00fc a\u015farsa, bu tutar kadar tahvil tesis edilecek. TCMB’nin gerileyen rezervleri d\u00f6viz piyasalar\u0131na kamu kontrol\u00fcn\u00fc zorla\u015ft\u0131r\u0131rken, kredi kartlar\u0131n\u0131 kullanarak nakit \u00e7ekmeyi cayd\u0131rarak d\u00f6vize ve alt\u0131na kartlar \u00fczerinden gelen talebin \u00f6n\u00fcne ge\u00e7ilmek isteniyor.<\/p>\n

Son d\u00f6nemde kart sahipleri nakit \u00e7ekmeyi kredi kullanmaya g\u00f6re yat\u0131r\u0131m f\u0131rsat\u0131 a\u00e7\u0131s\u0131ndan daha ucuz bir alternatif olarak g\u00f6rmeye ba\u015flam\u0131\u015flard\u0131.<\/p>\n

MAL\u0130YET\u0130 KRED\u0130YE G\u00d6RE D\u00dc\u015e\u00dcK<\/strong><\/p>\n

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. Bankalar, y\u0131ll\u0131k y\u00fczde 20’e 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’nin bu ad\u0131m\u0131 \u00f6ncesi daraltmaya ba\u015flad\u0131klar\u0131n\u0131 belirtmi\u015flerdi. 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>\n

Dinamik Yat\u0131r\u0131m Ba\u015fekonomisti Enver Erkan<\/p>\n<\/div>\n

Talebi s\u0131n\u0131rlay\u0131c\u0131 d\u00fczenlemeler s\u00fcrer<\/b><\/p>\n

Se\u00e7imden \u00f6nce piyasa kuru ile TCMB kuru aras\u0131ndaki fark\u0131n a\u00e7\u0131lmas\u0131yla piyasada olu\u015fan ikili kur sistemine i\u015faret eden Dinamik Yat\u0131r\u0131m Ba\u015fekonomisti Enver Erkan, \u201c\u015eu anda bankadaki d\u00f6viz i\u00e7in bozumda bankalar aras\u0131 kur uygulan\u0131rken, piyasa i\u015flemlerinde devreye \u00e7ok ba\u015fka bir kur seviyesi giriyor, ki reel sekt\u00f6r ve bireyseller i\u00e7in de as\u0131l olan bu farkl\u0131 piyasa kuru haline geldi. Merkez Bankas\u0131’n\u0131n d\u00f6vize ve alt\u0131na olan talep alan\u0131ndaki m\u00fccadelesinin yine reg\u00fclasyonlar (d\u00fczenlemeler) yoluyla olaca\u011f\u0131 anla\u015f\u0131l\u0131yor\u201d dedi.<\/p>\n","protected":false},"excerpt":{"rendered":"

Merkez Bankas\u0131, d\u00f6vize ve alt\u0131na kredi kartlar\u0131 \u00fczerinden gelen talebin \u00f6n\u00fcne ge\u00e7mek i\u00e7in harekete ge\u00e7ti. Bankalara nakit \u00e7ekimlerin y\u00fczde 30\u2019u kadar tahvil alma \u015fart\u0131 getirildi.<\/p>\n","protected":false},"author":1,"featured_media":91395,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[2320,972,1329,4833,1422],"class_list":["post-91394","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-kart","tag-kredi","tag-kur","tag-nakit","tag-tcmb"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/91394","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=91394"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/91394\/revisions"}],"predecessor-version":[{"id":91396,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/91394\/revisions\/91396"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/91395"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=91394"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=91394"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=91394"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}