{"id":10703,"date":"2023-05-24T11:59:30","date_gmt":"2023-05-24T08:59:30","guid":{"rendered":"https:\/\/www.turkishpost.net\/ar\/?p=10703"},"modified":"2023-05-24T12:00:17","modified_gmt":"2023-05-24T09:00:17","slug":"ihtiyac-kredisi-luks-oldu-faizler-firladi","status":"publish","type":"post","link":"https:\/\/www.turkishpost.net\/ar\/ihtiyac-kredisi-luks-oldu-faizler-firladi\/","title":{"rendered":"\u0130htiya\u00e7 kredisi l\u00fcks oldu: Faizler f\u0131rlad\u0131"},"content":{"rendered":"

(The Turkish Post) –<\/strong> Merkez Bankas\u0131\u2019n\u0131n t\u00fcketici kredilerini de menkul k\u0131ymet kapsam\u0131na ald\u0131\u011f\u0131 10 Mart\u2019tan bu yana t\u00fcketici kredisi faizleri y\u00f6n\u00fcn\u00fc yukar\u0131ya \u00e7evirdi. Merkez Bankas\u0131 ard\u0131ndan yapt\u0131\u011f\u0131 d\u00fczenleme ile 70 bin lira alt\u0131ndaki ihtiya\u00e7 kredilerini menkul k\u0131ymet zorunlulu\u011fu d\u0131\u015f\u0131nda b\u0131raksa da ihtiya\u00e7 kredilerine getirilen faiz \u00fcst s\u0131n\u0131r\u0131 tersi bir sonu\u00e7 olu\u015fturdu.<\/p>\n

Ekonomim’den \u015eebnem Turhan’\u0131n haberine g\u00f6re bunun en b\u00fcy\u00fck nedeni TL mevduat faizlerinin daha h\u0131zl\u0131 y\u00fckselmesi. Hem TL mevduat oran\u0131 hem de mart sonu getirilen TL d\u00f6n\u00fc\u015f\u00fcm oran\u0131 hedeflerini tutturmaya \u00e7al\u0131\u015fan bankac\u0131l\u0131k sekt\u00f6r\u00fc mevduat faizlerini yukar\u0131ya \u00e7ekerken ihtiya\u00e7 kredisinde ise zarara u\u011framamak ve arz\u0131 d\u00fc\u015f\u00fcrmek i\u00e7in ihtiya\u00e7 kredi faizlerini de y\u00fckseltti.<\/p>\n

10 Mart \u00f6ncesi \u00f6zel ve yabanc\u0131 mevduat bankalar\u0131nda ayl\u0131k y\u00fczde 2,76 y\u0131ll\u0131k basit faiz oran\u0131 olarak y\u00fczde 33,12 seviyesinde olan ihtiya\u00e7 kredi faizleri se\u00e7imin ikinci turu \u00f6ncesinde ayl\u0131k y\u00fczde 5 ve \u00fczerine \u00e7\u0131kt\u0131. B\u00f6ylece yakla\u015f\u0131k 2.5 ayda ihtiya\u00e7 kredi faizi y\u0131ll\u0131k hesaplamada 26.5 puan birden f\u0131rlad\u0131.<\/p>\n

Se\u00e7imlerin ilk turunun kazanan\u0131n olmamas\u0131yla geride kalmas\u0131 ve se\u00e7im belirsizli\u011finin devam etmesi nedeniyle 14 May\u0131s sonras\u0131nda ihtiya\u00e7 kredi faizleri daha h\u0131zl\u0131 y\u00fckseldi. \u0130kinci turun yap\u0131laca\u011f\u0131 28 May\u0131s \u00f6ncesinde de y\u00fckseli\u015f devam etti.<\/p>\n

14 May\u0131s \u00f6ncesi \u00f6zel ve yabanc\u0131 mevduat bankalar\u0131 ortalama ayl\u0131k y\u00fczde 3,99 y\u0131ll\u0131k basit faiz olarak y\u00fczde 47,88 seviyesinde ihtiya\u00e7 kredisi kulland\u0131r\u0131rken 15 May\u0131s\u2019ta bunu ayl\u0131k y\u00fczde 4,49\u2019a ard\u0131ndan bu hafta ba\u015f\u0131nda da y\u00fczde 4,99\u2019a \u00e7\u0131kard\u0131. Ancak baz\u0131 bankalarda bu oranlar y\u00fczde 6\u2019ya kadar y\u00fckseldi.<\/p>\n

Bu hesaplamaya g\u00f6re may\u0131s ba\u015f\u0131ndan 22 May\u0131s\u2019a kadar ihtiya\u00e7 kredi faizinde 12 puan y\u00fckseli\u015f ya\u015fand\u0131 ve y\u0131ll\u0131k basit faiz y\u00fczde 59,88\u2019e kadar ula\u015ft\u0131.<\/p>\n

Y\u0131lba\u015f\u0131nda ise hen\u00fcz ihtiya\u00e7 kredi faizlerinde menkul k\u0131ymet uygulamas\u0131 yokken \u00f6zel ve yabanc\u0131 mevduat bankalar\u0131 ayl\u0131k y\u00fczde 2,69 y\u0131ll\u0131k basit faizde y\u00fczde 32,28 seviyesinde ihtiya\u00e7 kredisi kulland\u0131r\u0131yordu. 22 May\u0131s haftas\u0131 itibariyle y\u00fczde 59,88\u2019e dayanan y\u0131ll\u0131k basit faiz g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda y\u0131lba\u015f\u0131ndan bu yana ihtiya\u00e7 kredisi faizindeki art\u0131\u015f 27.6 puan oldu.<\/p>\n

Bankac\u0131l\u0131k sekt\u00f6r\u00fc kaynaklar\u0131 TL mevduat faizindeki y\u00fckseli\u015f nedeniyle net faiz gelirinin negatif oldu\u011funu belirtirken ihtiya\u00e7 kredisi faizinde art\u0131\u015f\u0131n bundan da kaynakland\u0131\u011f\u0131n\u0131 kaydetti. \u0130htiya\u00e7 kredi faizini bilan\u00e7olarda \u00e7ok s\u0131k\u0131nt\u0131 yaratmayacak bir seviyeye \u00e7ekilmesinin menkul k\u0131ymet zorunlulu\u011fuyla kar\u015f\u0131 kar\u015f\u0131ya kal\u0131nsa bile gerekli oldu\u011funu dile getiren bankac\u0131l\u0131k sekt\u00f6r\u00fc kaynaklar\u0131 kredi i\u015ftah\u0131n\u0131n ise zaten olduk\u00e7a d\u00fc\u015f\u00fck seviyelerde bulundu\u011funa da dikkat \u00e7ekti.<\/p>\n

Kamu mevduat bankalar\u0131nda ise ihtiya\u00e7 kredi faizleri daha d\u00fc\u015f\u00fck oranlarda bulunuyor. Bir kamu bankac\u0131l\u0131k kayna\u011f\u0131 genellikle 70 bin lira alt\u0131nda kredi kulland\u0131r\u0131m\u0131 yapt\u0131klar\u0131na dikkat \u00e7ekerken faiz oran\u0131n\u0131n ise y\u00fczde 2\u2019nin alt\u0131nda bulundu\u011funa i\u015faret etti.<\/p>\n

Baz\u0131 kamu mevduat bankalar\u0131nda ise m\u00fc\u015fterilere tan\u0131mlanan ihtiya\u00e7 kredi limitleri d\u00fc\u015f\u00fcr\u00fcld\u00fc. Kamu mevduat bankalar\u0131nda ayl\u0131k y\u00fczde 1,69-1,94 oranlar\u0131 y\u0131ll\u0131k basit faizde ise y\u00fczde 20,28-23,28 aras\u0131nda ihtiya\u00e7 kredisi kulland\u0131r\u0131m\u0131 yap\u0131l\u0131yor.<\/p>\n

Kamu mevduat bankalar\u0131 10 Mart sonras\u0131nda 70 bin TL alt\u0131ndaki b\u00fcy\u00fckl\u00fckteki ihtiya\u00e7 kredi faizlerinde bir de\u011fi\u015fim yapmad\u0131. Kamu mevduat bankas\u0131 sekt\u00f6r\u00fc kaynaklar\u0131 \u00f6zellikle se\u00e7im \u00f6ncesinde faiz oranlar\u0131nda bir y\u00fckseli\u015f ya\u015fanmas\u0131n\u0131 beklemedi\u011fini vurgulad\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"

(The Turkish Post) – Merkez Bankas\u0131\u2019n\u0131n t\u00fcketici kredilerini de menkul k\u0131ymet kapsam\u0131na ald\u0131\u011f\u0131 10 Mart\u2019tan bu yana t\u00fcketici kredisi faizleri y\u00f6n\u00fcn\u00fc yukar\u0131ya \u00e7evirdi. Merkez Bankas\u0131 ard\u0131ndan yapt\u0131\u011f\u0131 d\u00fczenleme ile 70 bin lira alt\u0131ndaki ihtiya\u00e7 kredilerini menkul k\u0131ymet zorunlulu\u011fu d\u0131\u015f\u0131nda b\u0131raksa da ihtiya\u00e7 kredilerine getirilen faiz \u00fcst s\u0131n\u0131r\u0131 tersi bir sonu\u00e7 olu\u015fturdu. Ekonomim’den \u015eebnem Turhan’\u0131n haberine […]<\/p>\n","protected":false},"author":2,"featured_media":10704,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"jnews-multi-image_gallery":[],"jnews_single_post":{"source_name":"Ger\u00e7ek G\u00fcndem","source_url":"https:\/\/www.gercekgundem.com\/ekonomi\/ihtiyac-kredisi-luks-oldu-faizler-firladi-423927","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"topbottom","share_float_style":"share-monocrhome","show_share_counter":"0","show_view_counter":"0","show_featured":"1","show_post_meta":"1","show_post_author":"0","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"0","show_post_reading_time":"1","post_reading_time_wpm":"300","show_zoom_button":"1","zoom_button_out_step":"4","zoom_button_in_step":"4","show_post_tag":"1","show_prev_next_post":"0","show_popup_post":"1","number_popup_post":"2","show_author_box":"1","show_post_related":"1","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-715","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"2","hide":""},"jnews_override_bookmark_settings":{"override_bookmark_button":"0","override_show_bookmark_button":"0"},"jnews_social_meta":{"fb_title":"","fb_description":"","fb_image":"","twitter_title":"","twitter_description":"","twitter_image":""},"jnews_override_counter":{"override_view_counter":"0","view_counter_number":"0","override_share_counter":"0","share_counter_number":"0","override_like_counter":"0","like_counter_number":"0","override_dislike_counter":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[2,1],"tags":[1337,3123,3122,78,1422],"class_list":["post-10703","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-son-haberler","tag-ihtiyac-kredisi","tag-kredi-faizi","tag-menkul-kiymet","tag-merkez-bankasi","tag-slider-manset"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts\/10703","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/comments?post=10703"}],"version-history":[{"count":0,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts\/10703\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/media\/10704"}],"wp:attachment":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/media?parent=10703"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/categories?post=10703"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/tags?post=10703"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}