{"id":2734,"date":"2016-07-08T13:40:35","date_gmt":"2016-07-08T10:40:35","guid":{"rendered":"http:\/\/emlaktuel.com\/?p=2734"},"modified":"2018-07-05T14:14:30","modified_gmt":"2018-07-05T11:14:30","slug":"tuketicilerin-gozu-kulagi-bankalarda-faiz-indirimileri-geliyor-mu","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=2734","title":{"rendered":"T\u00fcketicilerin g\u00f6z\u00fc kula\u011f\u0131 bankalarda! Faiz indirimileri geliyor mu?"},"content":{"rendered":"

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T\u00fcketiciler, son bir y\u0131ld\u0131r erteledikleri konut, ta\u015f\u0131t ya da di\u011fer ihtiya\u00e7lar\u0131n\u0131 sat\u0131n alabilmek i\u00e7in Merkez Bankas\u0131n\u0131n seri faiz indirimlerini, kredi faiz oranlar\u0131nda da benzer d\u00fc\u015f\u00fc\u015flerin ger\u00e7ekle\u015febilece\u011fi beklentisiyle f\u0131rsat olarak g\u00f6r\u00fcyor.<\/p>\n

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T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131n\u0131n (TCMB) y\u0131lba\u015f\u0131ndan bu yana faizlerde 175 baz puan indirime gitmesinin ard\u0131ndan g\u00f6zler bankalara \u00e7evrildi.<\/p>\n

TCMB’nin faiz indirimi, t\u00fcketici kredilerine bankalar\u0131n fonlama maliyetlerindeki azalma oran\u0131nda yans\u0131yor. TCMB taraf\u0131ndan yap\u0131lan 175 baz puanl\u0131k indirime kar\u015f\u0131n bankalar\u0131n mevduat faizlerindeki azal\u0131\u015f miktar\u0131n\u0131n ise 70 baz puanla s\u0131n\u0131rl\u0131 kald\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor.<\/p>\n

Merkez Bankas\u0131n\u0131n uzun bir aradan sonra \u00fcst \u00fcste 4 ay gecelik marjinal fonlama oran\u0131n\u0131 (faiz koridoru \u00fcst band\u0131) y\u00fczde 10,75’ten y\u00fczde 9’a \u00e7ekmesi, a\u011f\u0131rl\u0131kl\u0131 ortalama fonlama maliyetinin de y\u00fczde 9’dan y\u00fczde 8,10 s\u0131n\u0131r\u0131na gelmesini sa\u011flad\u0131.<\/p>\n

T\u00fcketiciler, son bir y\u0131ld\u0131r erteledikleri konut, ta\u015f\u0131t ya da di\u011fer ihtiya\u00e7lar\u0131n\u0131 sat\u0131n alabilmek i\u00e7in Merkez Bankas\u0131n\u0131n seri faiz indirimlerini, kredi faiz oranlar\u0131nda da benzer d\u00fc\u015f\u00fc\u015flerin ger\u00e7ekle\u015febilece\u011fi beklentisiyle f\u0131rsat olarak g\u00f6r\u00fcyor. Piyasalarda da bankalar\u0131n kredi faizlerini \u00fcretim ve reel sekt\u00f6re yans\u0131yacak \u015fekilde indirmesi bekleniyor.<\/p>\n

AA muhabirinin TCMB verilerinden derledi\u011fi bilgilere g\u00f6re, ge\u00e7en y\u0131l\u0131n sonunda ihtiya\u00e7 kredisi, ta\u015f\u0131t kredisi ve konut kredisi faiz oranlar\u0131 s\u0131ras\u0131yla y\u00fczde 17,37, y\u00fczde 14,87 ve y\u00fczde 14,07 oldu. Merkez Bankas\u0131n\u0131n bu y\u0131l faiz indirimi yapt\u0131\u011f\u0131 mart ay\u0131nda ise faiz oranlar\u0131, ihtiya\u00e7 kredisinde y\u00fczde 18,10, ta\u015f\u0131t kredisinde y\u00fczde 16,40 ve konut kredisinde y\u00fczde 14,45 seviyesinde bulunuyordu.<\/p>\n

Bankan\u0131n 175 baz puanl\u0131k faiz indirimi sonras\u0131nda kredi faiz oranlar\u0131nda 60 ila 90 baz puanl\u0131k bir d\u00fc\u015f\u00fc\u015f ya\u015fand\u0131. B\u00f6ylece haziran ay\u0131 sonu itibar\u0131yla faiz oranlar\u0131, ihtiya\u00e7 kredisinde y\u00fczde 17,25’e, ta\u015f\u0131t kredisinde y\u00fczde 15,43’e ve konut kredisinde y\u00fczde 13,85’e geriledi.<\/p>\n

Kredi faiz oranlar\u0131nda geri \u00e7ekilme ya\u015fansa da ayl\u0131k faiz oranlar\u0131n\u0131n y\u00fczde 1’in \u00fczerinde oldu\u011fu g\u00f6r\u00fcl\u00fcyor.<\/p>\n

– “TL mevduattaki rekabet faizlerin d\u00fc\u015fmesini engelliyor”<\/h2>\n

AA muhabirine konuya ili\u015fkin de\u011ferlendirmelerde bulunan DenizBank Perakende Bankac\u0131l\u0131k Grubu Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 O\u011fuzhan \u00d6zark, TCMB’nin bu y\u0131l \u00fcst bantta yapt\u0131\u011f\u0131 toplam indirimin 175 baz puana ula\u015ft\u0131\u011f\u0131n\u0131 an\u0131msatt\u0131.<\/p>\n

Ayn\u0131 d\u00f6nemde sekt\u00f6rdeki bankalar\u0131n mevduat faizlerindeki azal\u0131\u015f\u0131n 70 baz puanla s\u0131n\u0131rl\u0131 kald\u0131\u011f\u0131na i\u015faret eden \u00d6zark, ihtiya\u00e7 kredisi faiz oranlar\u0131ndaki d\u00fc\u015f\u00fc\u015f miktar\u0131n\u0131n ise mevduat maliyetlerindeki gerilemeye paralel 63 baz puan oldu\u011fu s\u00f6yledi.<\/p>\n

\u00d6zark, Merkez Bankas\u0131n\u0131n faiz indiriminin, t\u00fcketici kredilerine bankalar\u0131n fonlama maliyetlerindeki azalma oran\u0131nda yans\u0131d\u0131\u011f\u0131n\u0131 g\u00f6zlemlediklerini aktararak, \u015funlar\u0131 kaydetti:<\/p>\n

“Mart 2016’dan bu yana TCMB taraf\u0131ndan yap\u0131lan 175 baz puanl\u0131k indirimin etkisi, ayn\u0131 d\u00f6nemde bankalar\u0131n T\u00fcrkiye’de s\u0131n\u0131rl\u0131 bir kaynak olan mevduata olan ilgisi sebebiyle 70 baz puan olarak s\u0131n\u0131rl\u0131 kalm\u0131\u015ft\u0131r. Bununla beraber k\u00fcresel konjonkt\u00fcr\u00fcn geli\u015fmekte olan piyasalar\u0131 desteklememesi, yurt d\u0131\u015f\u0131 kredilerin bankalara maliyetinin y\u00fcksek olmas\u0131 ve tasarrufun d\u00fc\u015f\u00fck seviyede bulundu\u011fu \u00fclkemizde TL mevduattaki rekabet, mevduat faizlerinin ayn\u0131 h\u0131zda d\u00fc\u015fmesini engelliyor.<\/p>\n

Ayn\u0131 d\u00f6nemde t\u00fcketici kredilerine uygulanan faizlerdeki d\u00fc\u015f\u00fc\u015f\u00fcn de sekt\u00f6rde 75 baz puan olarak ger\u00e7ekle\u015fti\u011fini (konut, ta\u015f\u0131t ve ihtiya\u00e7) g\u00f6rmekteyiz. T\u00fcketici kredilerinin a\u011f\u0131rl\u0131kl\u0131 olarak mevduatla fonlanmas\u0131 g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda, mevduat maliyetlerindeki azalma s\u00fcrd\u00fck\u00e7e t\u00fcketici kredilerine de ayn\u0131 oranda yans\u0131yaca\u011f\u0131n\u0131 s\u00f6yleyebiliriz. Dolay\u0131s\u0131yla y\u0131l ba\u015f\u0131ndan beri mevduat ve kredi aras\u0131ndaki faiz makas\u0131n\u0131n artmad\u0131\u011f\u0131n\u0131 s\u00f6ylemek m\u00fcmk\u00fcn.”<\/p>\n

“Bankalar fonlama maliyetlerinin azald\u0131\u011f\u0131 \u00f6l\u00e7\u00fcde faiz indirimi yapabiliyor”<\/h2>\n

O\u011fuzhan \u00d6zark, konut kredileri taraf\u0131nda, 2014 sonu itibar\u0131yla sekt\u00f6rdeki ortalama kredi \u00fcretiminin ayl\u0131k faiz seviyesinin y\u00fczde 0,85 civar\u0131ndayken, kademeli artarak A\u011fustos 2015’ten sonra y\u00fczde 1’in \u00fcst\u00fcne \u00e7\u0131kt\u0131\u011f\u0131n\u0131 dile getirdi.<\/p>\n

Konut kredilerinde ayl\u0131k faiz oran\u0131n\u0131n, Mart 2016’da, TCMB’nin faiz indirimi \u00f6ncesinde y\u00fczde 1,13 (y\u0131ll\u0131k bile\u015fik y\u00fczde 14,44) civar\u0131nda bulundu\u011fu bilgisini veren \u00d6zark, faiz indirimlerinden sonra bu rakam\u0131n y\u00fczde 1,08 (y\u0131ll\u0131k bile\u015fik y\u00fczde 13,77) seviyesine kadar d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc kaydetti.<\/p>\n

\u00d6zark, bu durumun yine mevduat ile “X-Curr Swap” faizleriyle alakal\u0131 oldu\u011funu belirterek, “Bankalar fonlama maliyetlerinin azald\u0131\u011f\u0131 \u00f6l\u00e7\u00fcde faiz indirimi yapabiliyor.” dedi.<\/p>\n

<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

T\u00fcketiciler, son bir y\u0131ld\u0131r erteledikleri konut, ta\u015f\u0131t ya da di\u011fer ihtiya\u00e7lar\u0131n\u0131 sat\u0131n alabilmek i\u00e7in Merkez Bankas\u0131n\u0131n seri faiz indirimlerini, kredi faiz oranlar\u0131nda da benzer d\u00fc\u015f\u00fc\u015flerin ger\u00e7ekle\u015febilece\u011fi beklentisiyle f\u0131rsat olarak g\u00f6r\u00fcyor. T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131n\u0131n (TCMB) y\u0131lba\u015f\u0131ndan bu yana faizlerde 175 baz puan indirime gitmesinin ard\u0131ndan g\u00f6zler bankalara \u00e7evrildi. TCMB’nin faiz indirimi, t\u00fcketici kredilerine bankalar\u0131n fonlama […]<\/p>\n","protected":false},"author":1,"featured_media":1921,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[221,1,26,27],"tags":[961,11106,278,1729,11417,11107,11073,951,1731,1730,11391],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/2734"}],"collection":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2734"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/2734\/revisions"}],"predecessor-version":[{"id":2735,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/2734\/revisions\/2735"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/1921"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2734"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2734"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2734"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}