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.<\/p>\n
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.\u00a0Bankalar kredi kart\u0131 limitlerini 1 Ocak 2027’ye kadar t\u00fcketicinin ayl\u0131k ve y\u0131ll\u0131k geliriyle uyumlu hale getirecek.\u00a0<\/p>\n
Konut kredilerinde birinci el\u2013ikinci el konut ayr\u0131m\u0131 kald\u0131r\u0131ld\u0131.\u00a0<\/p>\n
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KARARIN TAM METN\u0130<\/strong><\/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-<\/p>\n 179866 say\u0131l\u0131 yaz\u0131 ve eklerinin incelenmesi sonucunda;<\/p>\n 1- 5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanununun 93 \u00fcnc\u00fc maddesi, 5464 say\u0131l\u0131 Banka Kartlar\u0131<\/p>\n ve Kredi Kartlar\u0131 Kanununun 14 \u00fcnc\u00fc maddesi ile Banka Kartlar\u0131 ve Kredi Kartlar\u0131<\/p>\n Hakk\u0131nda Y\u00f6netmelik uyar\u0131nca;<\/p>\n 3 AY \u0130\u00c7\u0130NDE BA\u015eVURU GEREKL\u0130<\/strong><\/p>\n A) \u0130\u015fbu Karar tarihi itibar\u0131yla; son \u00f6deme tarihinde d\u00f6nem borcu k\u0131smen ya da<\/p>\n tamamen \u00f6denmemi\u015f bireysel kredi kartlar\u0131n\u0131n, kart hamilleri taraf\u0131ndan Karar tarihinden<\/p>\n itibaren 3 ay i\u00e7erisinde talep edilmesi durumunda, yap\u0131land\u0131rma tarihindeki bor\u00e7<\/p>\n bakiyelerinin (bekleyen ileri vadeli i\u015flemleri dahil) en fazla k\u0131rk sekiz ay ile s\u0131n\u0131rl\u0131 olmak<\/p>\n \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<\/p>\n eklenmesine,<\/p>\n C) Kredi kart\u0131 yeniden yap\u0131land\u0131rma borcunun y\u00fczde ellisi \u00f6deninceye kadar ilgili<\/p>\n 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<\/p>\n 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? <\/strong><\/p>\n 2- Bankalar\u0131n Kredi \u0130\u015flemlerine \u0130li\u015fkin Y\u00f6netmeli\u011fin 12 nci maddesinin d\u00f6rd\u00fcnc\u00fc<\/p>\n f\u0131kras\u0131 ile Finansal Kiralama, Faktoring ve Finansman \u015eirketlerinin Kurulu\u015f ve Faaliyet<\/p>\n 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<\/p>\n faiz \u00f6demeleri otuz g\u00fcnden fazla gecikmi\u015f ihtiya\u00e7 kredilerinin (kredili mevduat hesaplar\u0131<\/p>\n dahil), bor\u00e7lu taraf\u0131ndan karar tarihinden itibaren 3 ay i\u00e7erisinde talep edilmesi<\/p>\n durumunda, yap\u0131land\u0131rma tarihindeki bor\u00e7 bakiyelerinin en fazla k\u0131rk sekiz ay ile s\u0131n\u0131rl\u0131<\/p>\n olmak \u00fczere ilave kredi kulland\u0131r\u0131lmaks\u0131z\u0131n yeniden yap\u0131land\u0131r\u0131labilmesine..”<\/p>\n","protected":false},"excerpt":{"rendered":" BDDK, d\u00f6nem borcu k\u0131smen ya da tamamen \u00f6denmemi\u015f bireysel kredi kartlar\u0131 ile \u00f6demesi 30 g\u00fcnden fazla geciken ihtiya\u00e7 kredilerinin yeniden yap\u0131land\u0131r\u0131labilece\u011fini duyurdu. Bor\u00e7lar azami 48 ay vadeyle yap\u0131land\u0131r\u0131lacak, ba\u015fvurular i\u00e7in 3 ay s\u00fcre tan\u0131nd\u0131.<\/p>\n","protected":false},"author":1,"featured_media":9892,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[430,1157,903,2187,2188],"class_list":["post-9891","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\/9891","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=9891"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/9891\/revisions"}],"predecessor-version":[{"id":9896,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/9891\/revisions\/9896"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/9892"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=9891"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=9891"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=9891"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![](\"https:\/\/bihavadis.com\/wp-content\/uploads\/2026\/02\/bddkdan-yapilandirma-karari-kredi-karti-ve-ihtiyac-kredileri-kapsama-alindi-1-gf791BB2.jpg\"\/)
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