Ge\u00e7ti\u011fimiz g\u00fcnlerde yap\u0131lan d\u00fczenleme ile 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. Karar\u0131n ard\u0131ndan bankalar\u0131n kredi kartlar\u0131na nakit avans \u00f6demelerini durdurdu\u011fu g\u00f6r\u00fcld\u00fc. Tart\u0131\u015fma konusu olan karar sonras\u0131nda Merkez Bankas\u0131 yeni karar\u0131n\u0131 a\u00e7\u0131klad\u0131.<\/p>\n
KRED\u0130 KARTI NAK\u0130T AVANS \u00c7EK\u0130L\u0130YOR MU?<\/strong><\/p>\n TCMB\u2019nin 16 May\u0131s\u2019ta yapt\u0131\u011f\u0131 d\u00fczenleme sonras\u0131nda; m\u00fc\u015fteri baz\u0131nda kredi kart\u0131 limiti belirli bir tutar\u0131n \u00fczerinde olanlar i\u00e7in, bireysel kredi kartlar\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 verilmi\u015fti.<\/p>\n TCMB’nin son d\u00fczenlemesi sonras\u0131nda baz\u0131 bankalar t\u00fcketicilerin kredi kart\u0131ndan, bireysel ihtiya\u00e7 kredisi faiz oran\u0131ndan daha d\u00fc\u015f\u00fck bir faize sahip olan ve ayl\u0131k y\u00fczde 1,36 faiz oran\u0131yla ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lad\u0131klar\u0131 nakit avans limitlerini k\u0131s\u0131tlarken baz\u0131 bankalar da bu limitleri tamamen s\u0131f\u0131rlam\u0131\u015ft\u0131.<\/p>\n Merkez Bankas\u0131 (TCMB) karar\u0131nda geri ad\u0131m att\u0131. Kredi kart\u0131ndan nakit avans kullan\u0131m\u0131 ve kredili mevduat hesab\u0131 kredilerinde hi\u00e7bir s\u0131n\u0131rlama uygulamama karar\u0131 ald\u0131.<\/p>\n Menkul K\u0131ymet Tesisine \u0130li\u015fkin Uygulama Talimat\u0131’nda, nakit avans, kredili mevduat hesab\u0131 kredileri ve kuyum harcamalar\u0131n\u0131n makroihtiyati tedbir uygulamalar\u0131ndan muaf tutulaca\u011f\u0131 belirtildi.<\/p>\n Bankalara g\u00f6nderilen yaz\u0131da, \u201cBa\u015fkanl\u0131k makam\u0131 talimat\u0131 kapsam\u0131nda, bireysel kredi kartlar\u0131 vas\u0131tas\u0131yla yap\u0131lan kuyum harcamalar\u0131 ve nakit \u00e7ekimlerinin kredi t\u00fcr\u00fcne g\u00f6re menkul k\u0131ymet tesisinden hari\u00e7 tutulmas\u0131n\u0131n uygun olaca\u011f\u0131 de\u011ferlendirilmektedir.\u201d denildi.<\/p>\n","protected":false},"excerpt":{"rendered":" Bankalar kredi kartlar\u0131n\u0131 nakit avans \u00e7ekimlerine kapatmas\u0131n\u0131n ard\u0131ndan yakla\u015fan 2. tur se\u00e7imleri etkisiyle Merkez Bankas\u0131 karar\u0131nda geri ad\u0131m att\u0131. Kredi kart\u0131 nakit avans \u00e7ekiminde hi\u00e7bir s\u0131n\u0131rlama uygulanmayacak.<\/p>\n","protected":false},"author":1,"featured_media":92948,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[580,972,11987],"class_list":["post-92947","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-karar","tag-kredi","tag-nakit-avans"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/92947","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=92947"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/92947\/revisions"}],"predecessor-version":[{"id":92949,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/92947\/revisions\/92949"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/92948"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=92947"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=92947"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=92947"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}