{"id":4685,"date":"2026-01-29T11:00:06","date_gmt":"2026-01-29T11:00:06","guid":{"rendered":"https:\/\/bihavadis.com\/?p=4685"},"modified":"2026-01-29T11:00:06","modified_gmt":"2026-01-29T11:00:06","slug":"ihtiyac-kredisi-faizi-bes-ayin-en-dusuk-seviyesinde","status":"publish","type":"post","link":"https:\/\/bihavadis.com\/index.php\/2026\/01\/29\/ihtiyac-kredisi-faizi-bes-ayin-en-dusuk-seviyesinde\/","title":{"rendered":"\u0130htiya\u00e7 kredisi faizi be\u015f ay\u0131n en d\u00fc\u015f\u00fck seviyesinde"},"content":{"rendered":"
\n

Haftal\u0131k para ve banka istatistiklerine g\u00f6re ticari ve mevduat faizlerinde \u0131l\u0131ml\u0131 bir gerileme g\u00f6r\u00fcld\u00fc. Mevduat faizleri y\u00fczde 60’\u0131n alt\u0131na inerken ihtiya\u00e7 kredisi faizlerinde son be\u015f ay\u0131n en d\u00fc\u015f\u00fck seviyesi izlendi.<\/p>\n

T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) taraf\u0131ndan a\u00e7\u0131klanan haftal\u0131k para ve banka istatistiklerine g\u00f6re, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn toplam mevduat\u0131 (bankalar aras\u0131 dahil) 27 Eyl\u00fcl ile biten haftada 208 milyar 981 milyon 616 bin lira art\u0131\u015fla 18 trilyon 407 milyar 612 milyon 792 bin liraya \u00e7\u0131karken \u00f6zellikle ihtiya\u00e7 kredi faizlerinde d\u00fc\u015f\u00fc\u015f dikkat \u00e7ekti.<\/p>\n<\/div>\n

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Faizlerin genel olarak geriledi\u011fi 27 Eyl\u00fcl haftas\u0131nda 1-3 ay vadeli ortalama bile\u015fik TL mevduat faizi y\u00fczde 60’\u0131n alt\u0131na indi.<\/p>\n

Ticari kredilerde de gerileme izlendi. Ticari krediler y\u00fczde y\u00fczde 59,6 seviyesine gerilerken en sert d\u00fc\u015f\u00fc\u015f ihtiya\u00e7 kredilerinde g\u00f6r\u00fcld\u00fc.<\/p>\n

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<\/div>\n<\/figure><\/div>\n<\/p>\n

\u0130htiya\u00e7 kredi faizleri y\u00fczde 70,8 ile son be\u015f ay\u0131n en d\u00fc\u015f\u00fck seviyesini g\u00f6rd\u00fc.<\/p>\n

E\u015f g\u00fcd\u00fcml\u00fc ad\u0131mlar at\u0131ld\u0131<\/b><\/p>\n

Ge\u00e7en hafta T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) ile Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) taraf\u0131ndan bireysel kredi kartlar\u0131na ili\u015fkin e\u015f g\u00fcd\u00fcml\u00fc ad\u0131mlar at\u0131lm\u0131\u015ft\u0131.<\/p>\n

BDDK, bireysel kredi kart\u0131 ve ihtiya\u00e7 kredisi borcunu \u00f6deyemeyenler i\u00e7in 60 aya kadar yap\u0131land\u0131rma imkan\u0131 getirirken TCMB de bireysel kredi kartlar\u0131nda yap\u0131land\u0131rmada kullan\u0131lacak azami faiz oran\u0131n\u0131 referans faiz olan y\u00fczde 3,11 ile s\u0131n\u0131rland\u0131rd\u0131.<\/p>\n

Ayr\u0131ca ihtiya\u00e7 kredilerinde de anapara ve faiz \u00f6demelerinin 30 g\u00fcnden fazla gecikmesi halinde ilave kredi olmadan 60 aya kadar yap\u0131land\u0131r\u0131labileme olanaca\u011f\u0131 sa\u011fland\u0131. Bor\u00e7lunun 1 y\u0131l i\u00e7inde yap\u0131land\u0131rma i\u00e7in ba\u015fvurmas\u0131 gerekiyor.<\/p>\n

Taksitli ticari kredi miktar\u0131 artt\u0131<\/b><\/p>\n

Mevduat bankalar\u0131ndaki t\u00fcketici kredileri, ge\u00e7en hafta y\u00fczde 1,19 artarak 1 trilyon 738 milyar 648 milyon 886 bin lira oldu.<\/p>\n

Ayn\u0131 d\u00f6nemde taksitli ticari krediler y\u00fczde 1,20 y\u00fckseli\u015fle 1 trilyon 760 milyar 686 milyon 981 bin liraya, kredi kartlar\u0131 bakiyesi ise y\u00fczde 2,26 art\u0131\u015fla 2 trilyon 110 milyar 766 milyon 271 bin liraya \u00e7\u0131kt\u0131.<\/p>\n

Mevduat bankalar\u0131ndaki t\u00fcketici kredilerinin 418 milyar 962 milyon 82 bin liras\u0131 konut, 60 milyar 727 milyon 614 bin liras\u0131 ta\u015f\u0131t ve 1 trilyon 258 milyar 959 milyon 190 bin liras\u0131 di\u011fer kredilerden olu\u015ftu.<\/p>\n

Bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn TCMB dahil toplam kredi hacmi de 27 Eyl\u00fcl ile biten haftada 149 milyar 834 milyon 667 bin lira artarak 14 trilyon 429 milyar 84 milyon 425 bin liraya y\u00fckseldi.<\/p>\n

Toplam kredi hacmi, ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 40,66 art\u0131\u015f kaydetti.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) verilerine g\u00f6re 27 Eyl\u00fcl haftas\u0131nda kredi faizlerinde \u0131l\u0131ml\u0131 bir gerileme izlenirken, ihtiya\u00e7 kredi faizinde y\u00fczde 70,8’le son be\u015f ay\u0131n en d\u00fc\u015f\u00fck seviyesi g\u00f6r\u00fcld\u00fc.<\/p>\n","protected":false},"author":1,"featured_media":4686,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[430,907,903,819,266],"class_list":["post-4685","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-bin-lira","tag-kredi","tag-milyar","tag-milyon"],"_links":{"self":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/4685","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=4685"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/4685\/revisions"}],"predecessor-version":[{"id":4688,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/4685\/revisions\/4688"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/4686"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=4685"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=4685"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=4685"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}