Finansal istikrar\u0131n sa\u011flanmas\u0131 ve finansal t\u00fcketicinin korunmas\u0131 i\u00e7in koordineli d\u00fczenlemeler paketi ile ilgili BDDK’dan a\u00e7\u0131klama yap\u0131ld\u0131.<\/p>\n
D\u00f6nem borcu k\u0131smen ya da tamamen \u00f6denmemi\u015f bireysel kredi kartlar\u0131 ile \u00f6demesi 30 g\u00fcnden fazla gecikmi\u015f ihtiya\u00e7 kredileri, azami 48 ay vadeyle yeniden yap\u0131land\u0131r\u0131lacak. T\u00fcketicilerin t\u00fcm bankalardaki kredi kartlar\u0131n\u0131n toplam 400 bin TL \u00fcst\u00fcndeki limitleri y\u00fczde 50 ile 80 aras\u0131nda de\u011fi\u015fen oranlarda azalt\u0131lacak.Kart limiti d\u00fc\u015f\u00fcr\u00fcl\u00fcrken bankalar, son 12 aydaki en y\u00fcksek kullan\u0131m oran\u0131n\u0131 dikkate alacak. Bankalar kredi kart\u0131 limitlerini 1 Ocak 2027’ye kadar t\u00fcketicinin ayl\u0131k ve y\u0131ll\u0131k geliriyle uyumlu hale getirecek.<\/p>\n
Konut kredilerinde birinci el\u2013ikinci el konut ayr\u0131m\u0131 kald\u0131r\u0131ld\u0131. 2010 y\u0131l\u0131ndan sonra yap\u0131lan binalar\u0131n enerji s\u0131n\u0131f\u0131 i\u00e7in asgari \u015fart olan C enerji s\u0131n\u0131f\u0131na sahip konutlar da avantajl\u0131 kredi oran\u0131 uygulanan konutlar kapsam\u0131na al\u0131nd\u0131.<\/p>\n
KARARIN TAM METN\u0130<\/b><\/p>\n
BDDK taraf\u0131ndan yap\u0131lan bilgilendirmedeki ayr\u0131nt\u0131lar ise \u015f\u00f6yle;<\/p>\n
Kurulun 29.01.2026 tarihli toplant\u0131s\u0131nda, 28.01.2026 tarih ve E-24049440-045.01-179866 say\u0131l\u0131 yaz\u0131 ve eklerinin incelenmesi sonucunda; 1- 5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanununun 93 \u00fcnc\u00fc maddesi, 5464 say\u0131l\u0131 Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Kanununun 14 \u00fcnc\u00fc maddesi ile Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Hakk\u0131nda Y\u00f6netmelik uyar\u0131nca;<\/p>\n
3 AY \u0130\u00c7\u0130NDE BA\u015eVURU GEREKL\u0130<\/b><\/p>\n
A) \u0130\u015fbu Karar tarihi itibar\u0131yla; son \u00f6deme tarihinde d\u00f6nem borcu k\u0131smen ya da tamamen \u00f6denmemi\u015f bireysel kredi kartlar\u0131n\u0131n, kart hamilleri taraf\u0131ndan Karar tarihinden itibaren 3 ay i\u00e7erisinde talep edilmesi durumunda, yap\u0131land\u0131rma tarihindeki bor\u00e7 bakiyelerinin (bekleyen ileri vadeli i\u015flemleri dahil) en fazla k\u0131rk sekiz ay ile s\u0131n\u0131rl\u0131 olmak \u00fczere yeniden yap\u0131land\u0131r\u0131labilmesine,<\/p>\n
B) Yeniden yap\u0131land\u0131rma ayl\u0131k taksit tutar\u0131n\u0131n ilgili ay\u0131n asgari \u00f6deme tutar\u0131na eklenmesine,<\/p>\n
C) Kredi kart\u0131 yeniden yap\u0131land\u0131rma borcunun y\u00fczde ellisi \u00f6deninceye kadar ilgili Bankaca kart hamiline tahsis edilen kredi kartlar\u0131n\u0131n limitinin artt\u0131r\u0131lmamas\u0131na,<\/p>\n
\u00c7) Yeniden yap\u0131land\u0131rma tutar\u0131n\u0131n kredi kart\u0131 limitini a\u015fmas\u0131 halinde, yap\u0131land\u0131rma tutar\u0131n\u0131n kart limitini a\u015fan k\u0131sm\u0131n\u0131n limit a\u015f\u0131m\u0131 olarak de\u011ferlendirilmemesine,<\/p>\n
KRED\u0130 KARTI BOR\u00c7 YAPILANDIRMASI S\u00dcRES\u0130 NE KADAR?<\/b><\/p>\n
2- Bankalar\u0131n Kredi \u0130\u015flemlerine \u0130li\u015fkin Y\u00f6netmeli\u011fin 12’nci maddesinin d\u00f6rd\u00fcnc\u00fc f\u0131kras\u0131 ile Finansal Kiralama, Faktoring ve Finansman \u015eirketlerinin Kurulu\u015f ve Faaliyet Esaslar\u0131 Hakk\u0131nda Y\u00f6netmeli\u011fin 11\/A maddesinin be\u015finci f\u0131kras\u0131 uyar\u0131nca;<\/p>\n
– \u0130\u015fbu Karar tarihinden \u00f6nce kulland\u0131r\u0131lm\u0131\u015f ve Karar tarihi itibar\u0131yla anapara ve\/veya faiz \u00f6demeleri otuz g\u00fcnden fazla gecikmi\u015f ihtiya\u00e7 kredilerinin (kredili mevduat hesaplar\u0131 dahil), bor\u00e7lu taraf\u0131ndan karar tarihinden itibaren 3 ay i\u00e7erisinde talep edilmesi durumunda, yap\u0131land\u0131rma tarihindeki bor\u00e7 bakiyelerinin en fazla k\u0131rk sekiz ay ile s\u0131n\u0131rl\u0131 olmak \u00fczere ilave kredi kulland\u0131r\u0131lmaks\u0131z\u0131n yeniden yap\u0131land\u0131r\u0131labilmesine\u2026”<\/p>\n","protected":false},"excerpt":{"rendered":"
D\u00f6nem borcu k\u0131smen ya da tamamen \u00f6denmemi\u015f bireysel kredi kartlar\u0131 ile \u00f6demesi 30 g\u00fcnden fazla gecikmi\u015f ihtiya\u00e7 kredileri, azami 48 ay vadeyle yeniden yap\u0131land\u0131r\u0131lacak. Bor\u00e7 yap\u0131land\u0131rma ba\u015fvurusu i\u00e7in 3 ay s\u00fcre verildi.<\/p>\n","protected":false},"author":1,"featured_media":19097,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[430,1157,903,2187,2188],"class_list":["post-19096","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-kart","tag-kredi","tag-limit","tag-yeniden"],"_links":{"self":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/19096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/comments?post=19096"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/19096\/revisions"}],"predecessor-version":[{"id":19098,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/19096\/revisions\/19098"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/19097"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=19096"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=19096"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=19096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}