{"id":57676,"date":"2024-01-24T08:37:34","date_gmt":"2024-01-24T05:37:34","guid":{"rendered":"https:\/\/www.turkishpost.net\/ar\/?p=57676"},"modified":"2024-01-24T08:37:34","modified_gmt":"2024-01-24T05:37:34","slug":"kredi-kartlari-patladi-kart-borcu-bir-yilda-yuzde-157-artti","status":"publish","type":"post","link":"https:\/\/www.turkishpost.net\/ar\/kredi-kartlari-patladi-kart-borcu-bir-yilda-yuzde-157-artti\/","title":{"rendered":"Kredi kartlar\u0131 patlad\u0131! Kart borcu bir y\u0131lda y\u00fczde 157 artt\u0131"},"content":{"rendered":"<p><strong>(The Turkish Post) \u2013<\/strong> Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) verilerine g\u00f6re; 13 Ocak 2023 haftas\u0131nda 462 milyar 866 milyon lira d\u00fczeyinde olan bireysel kredi kart\u0131 hacmi 12 Ocak 2024 haftas\u0131nda y\u00fczde 157,63 artarak 1 trilyon 192 milyar liraya y\u00fckseldi.<\/p>\n<p>Bu art\u0131\u015f yakla\u015f\u0131k 729 milyar liral\u0131k bir hacim art\u0131\u015f\u0131 anlam\u0131na geliyor. Bankac\u0131lar kredi kart\u0131nda ya\u015fanan h\u0131zl\u0131 art\u0131\u015fa y\u00f6nelik tedbir al\u0131nmas\u0131 gerekti\u011fi konusunda uyar\u0131lar yaparken, kredi kart\u0131 limitleri ve taksit say\u0131lar\u0131na y\u00f6nelik yeni d\u00fczenlemelerin gelebilece\u011fini s\u00f6yl\u00fcyor.<\/p>\n<p><strong>BDDK&#8217;DAN KARAR<\/strong><\/p>\n<p>Bu kapsamda d\u00fcn BDDK taraf\u0131ndan al\u0131nan kararda bu y\u00f6nde at\u0131lan ilk ad\u0131mlardan biri oldu. BDDK\u2019n\u0131n, yapt\u0131\u011f\u0131 d\u00fczenlemeye g\u00f6re bankalar kan\u0131tlanabilir onay veya talep olmaks\u0131z\u0131n ki\u015filer ad\u0131na kredili hesap dahil herhangi bir hesap a\u00e7amayacak, kredili hesab\u0131n limitini art\u0131ramayacak.<\/p>\n<p>Bankalararas\u0131 Kart Merkezi (BKM) aral\u0131k ay\u0131 verilerine g\u00f6re ise kartl\u0131 \u00f6deme tutar\u0131 aral\u0131k ay\u0131nda bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 116 artarak 978,3 milyar TL oldu.<\/p>\n<p><strong>KARTLA \u00d6DEMEDE B\u00dcY\u00dcME Y\u00dcZDE 124 ARTTI<\/strong><\/p>\n<p>D\u00fcnya gazetesinin haberine g\u00f6re; kartl\u0131 \u00f6demelerin 818,2 milyar TL\u2019si kredi kartlar\u0131 ile yap\u0131l\u0131rken 142,6 milyar TL\u2019sinde banka kartlar\u0131, 17,5 milyar TL\u2019sinde ise \u00f6n \u00f6demeli kartlar kullan\u0131ld\u0131.<\/p>\n<p>Kredi kart\u0131 ile yap\u0131lan \u00f6demelerde \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re b\u00fcy\u00fcme oran\u0131 y\u00fczde 124, banka kart\u0131 ile yap\u0131lan \u00f6demelerde y\u00fczde 78 olurken \u00f6n \u00f6demeli kartlar ile yap\u0131lan \u00f6demelerde ise bu oran y\u00fczde 128 oldu. Ma\u011faza i\u00e7i yap\u0131lan her 4 kartl\u0131 \u00f6demeden 3\u2019\u00fc temass\u0131z ger\u00e7ekle\u015fti. \u0130nternetten kartl\u0131 \u00f6deme 278 milyar TL oldu.<\/p>\n<p><strong>TOPLAM KRED\u0130 KARTI SAYISI 120 M\u0130LYONA YAKLA\u015eTI<\/strong><\/p>\n<p>Bankalararas\u0131 Kart Merkezi (BKM) aral\u0131k ay\u0131 verilerine g\u00f6re, aral\u0131k ay\u0131 itibar\u0131yla T\u00fcrkiye\u2019de kredi kart\u0131 say\u0131s\u0131 117,7 milyon, banka kart\u0131 say\u0131s\u0131 189,5 milyon ve \u00f6n \u00f6demeli kart say\u0131s\u0131 90,0 milyon adet oldu.<\/p>\n<p>2022 y\u0131l\u0131n\u0131n Aral\u0131k ay\u0131 ile k\u0131yasland\u0131\u011f\u0131nda kredi kart\u0131 adedinde y\u00fczde 18\u2019lik, banka kart\u0131 adedinde y\u00fczde 12\u2019lik, \u00f6n \u00f6demeli kart adedinde ise y\u00fczde 26\u2019l\u0131k art\u0131\u015f ya\u015fand\u0131. Toplam kart say\u0131s\u0131 ise 397,2 milyon adede ula\u015farak ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 17 art\u0131\u015f g\u00f6sterdi.<\/p>\n<p>Bireysel kredi kart\u0131 hacminin 729 milyar 591 milyon lira b\u00fcy\u00fcd\u00fc\u011f\u00fc 13 Ocak 2023- 12 Ocak 2024 d\u00f6neminde konut, ta\u015f\u0131t ve ihtiya\u00e7 kredilerinin toplam bakiyesi net 417,9 milyar liral\u0131k bir art\u0131\u015fla 1 trilyon 525 milyar 240 milyon TL oldu. Kas\u0131m itibar\u0131yla 1 trilyon 470,1 milyar lira oldu.<\/p>\n<p>Bireysel kredi kart\u0131 bor\u00e7lar\u0131ndaki rekor b\u00fcy\u00fcmeye kar\u015f\u0131l\u0131k toplam t\u00fcketici kredilerindeki art\u0131\u015f y\u00fczde 37,73\u2019le enflasyonun \u00e7ok alt\u0131nda kald\u0131. Bu kapsamda en b\u00fcy\u00fck b\u00f6l\u00fcm\u00fc olu\u015fturan ihtiya\u00e7 kredileri y\u00fczde 992,5 milyar, konut kredileri de 437,6 milyar lira oldu. Toplamdaki pay\u0131 k\u00fc\u00e7\u00fck olan ta\u015f\u0131t kredileri ise 95,1 milyar liraya y\u00fckseldi.<\/p>\n<p><strong>B\u0130REYSEL BOR\u00c7LANMA 2,7 TR\u0130LYONU A\u015eTI<\/strong><\/p>\n<p>Bireysel kredi kart\u0131 bor\u00e7lar\u0131 ve t\u00fcketici kredileri toplam\u0131ndan olu\u015fan bireysel bor\u00e7 bakiyesi an\u0131lan d\u00f6nemde y\u00fczde 73,07\u2019lik bir art\u0131\u015fla 2 trilyon 717,7 milyar liraya ula\u015ft\u0131. 2023 ba\u015f\u0131nda sonunda s\u00f6z konusu hacim 1 trilyon 570 milyar lira d\u00fczeyinde bulunuyordu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(The Turkish Post) \u2013 Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) verilerine g\u00f6re; 13 Ocak 2023 haftas\u0131nda 462 milyar 866 milyon lira d\u00fczeyinde olan bireysel kredi kart\u0131 hacmi 12 Ocak 2024 haftas\u0131nda y\u00fczde 157,63 artarak 1 trilyon 192 milyar liraya y\u00fckseldi. Bu art\u0131\u015f yakla\u015f\u0131k 729 milyar liral\u0131k bir hacim art\u0131\u015f\u0131 anlam\u0131na geliyor. Bankac\u0131lar kredi kart\u0131nda ya\u015fanan [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":57677,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"jnews-multi-image_gallery":[],"jnews_single_post":{"source_name":"Karar","source_url":"","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":[757,773,593,2811,315],"class_list":["post-57676","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-son-haberler","tag-bddk","tag-borc","tag-ekonomi","tag-kredi-karti","tag-ust-manset"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts\/57676","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\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/comments?post=57676"}],"version-history":[{"count":0,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts\/57676\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/media\/57677"}],"wp:attachment":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/media?parent=57676"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/categories?post=57676"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/tags?post=57676"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}