{"id":30615,"date":"2019-12-10T09:29:06","date_gmt":"2019-12-10T06:29:06","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=30615"},"modified":"2019-12-10T09:29:06","modified_gmt":"2019-12-10T06:29:06","slug":"merkez-bankasidan-konut-kredileri-icin-tesvik-uygulamasi","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=30615","title":{"rendered":"Merkez Bankas\u0131’dan Konut Kredileri i\u00e7in Te\u015fvik Uygulamas\u0131\u00a0"},"content":{"rendered":"

T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) kredi b\u00fcy\u00fcmesini zorunlu kar\u015f\u0131l\u0131klarla ili\u015fkilendiren d\u00fczenlemede de\u011fi\u015fikli\u011fe giderek uzun vadeli ticari ve konut kredilerini te\u015fvik edecek bir uygulama ba\u015flatt\u0131.<\/p>\n

Merkez Bankas\u0131 19 A\u011fustos\u2019ta ald\u0131\u011f\u0131 kararla Zorunlu Kar\u015f\u0131l\u0131klar\u0131n belirlenmesinde kredi b\u00fcy\u00fcmesi kriterini devreye sokmu\u015ftu.\u00a0 A\u011fustos ay\u0131nda devreye giren kararla kredi b\u00fcy\u00fcmesi %10 ile %20 aras\u0131nda (referans de\u011ferler) olan bankalar i\u00e7in T\u00fcrk liras\u0131 zorunlu kar\u015f\u0131l\u0131k oranlar\u0131, 1 y\u0131l ve 1 y\u0131ldan uzun vadeli mevduat\/kat\u0131l\u0131m fonu (yurt d\u0131\u015f\u0131 bankalar mevduat\u0131\/kat\u0131l\u0131m fonu hari\u00e7) ve 3 y\u0131ldan uzun vadeli di\u011fer y\u00fck\u00fcml\u00fcl\u00fckler (yurt d\u0131\u015f\u0131 bankalar mevduat\u0131\/kat\u0131l\u0131m fonu d\u00e2hil) hari\u00e7 t\u00fcm vade dilimlerinde %2 olarak uygulanmaya ba\u015flam\u0131\u015f di\u011fer bankalar i\u00e7in zorunlu kar\u015f\u0131l\u0131k oranlar\u0131nda herhangi bir de\u011fi\u015fikli\u011fe gidilmemi\u015fti.<\/p>\n

Merkez Bankas\u0131\u2019n\u0131n Zorunlu kar\u015f\u0131l\u0131klara ili\u015fkin olarak bug\u00fcn yay\u0131nlad\u0131\u011f\u0131 tebli\u011f de\u011fi\u015fikli\u011fine g\u00f6re 29 Kas\u0131m 2019\u2019dan itibaren ge\u00e7erli say\u0131lan karala kredi b\u00fcy\u00fcmesi %15\u2019in \u00fczerinde olan bankalar i\u00e7in; 2 y\u0131l ve daha uzun vadeli ticari krediler ile 5 y\u0131l ve daha uzun vadeli konut kredileri reel de\u011fi\u015fimlerinin tamam\u0131 b\u00fcy\u00fcme oran\u0131 form\u00fcl\u00fcn\u00fcn pay k\u0131sm\u0131ndan d\u00fc\u015f\u00fclerek hesaplanan uyarlanm\u0131\u015f reel kredi b\u00fcy\u00fcme oran\u0131n\u0131n %15\u2019in alt\u0131nda olmas\u0131, kredi b\u00fcy\u00fcmesi %15\u2019in alt\u0131nda olan bankalar i\u00e7in; 5 y\u0131l ve daha uzun vadeli konut kredileri d\u0131\u015f\u0131nda kalan bireysel kredi reel de\u011fi\u015fiminin %50\u2019si b\u00fcy\u00fcme oran\u0131 form\u00fcl\u00fcn\u00fcn pay k\u0131sm\u0131ndan d\u00fc\u015f\u00fclerek hesaplanan uyarlanm\u0131\u015f reel kredi b\u00fcy\u00fcme oran\u0131n\u0131n %5\u2019in \u00fczerinde olmas\u0131 durumunda bankalar zorunlu kar\u015f\u0131l\u0131k te\u015fviklerinden yararlanabilecek \u015feklinde de\u011fi\u015ftirildi.<\/p>\n

Merkez Bankas\u0131ndan yap\u0131lan a\u00e7\u0131klamada \u2018\u2018B\u00f6ylece, \u00fcretim ve yat\u0131r\u0131mla ili\u015fkisi kuvvetli olan uzun vadeli ticari krediler ile ithalatla ili\u015fkisi zay\u0131f olan uzun vadeli konut kredileri te\u015fvik edilecektir\u2019\u2019 ifadelerine yer verildi.<\/p>\n

Yeni uygulamada y\u0131ll\u0131k kredi b\u00fcy\u00fcme oranlar\u0131, TL nakdi kredilerin T\u00dcFE ile d\u00fczeltilmi\u015f \u00fc\u00e7er ayl\u0131k stok de\u011ferlerinin ortalamalar dikkate al\u0131narak hesaplanacak. Yeni sistemde y\u0131ll\u0131k reel kredi b\u00fcy\u00fcmesi %15’in \u00fczerinde olan bankalar\u0131n uzun vadeli ticari ve konut kredilerinde b\u00fcy\u00fcmeyi s\u00fcrd\u00fcrebilmeleri i\u00e7in, k\u0131sa vadeli ticari ve konut kredilerindeki b\u00fcy\u00fcme toplam reel kredi b\u00fcy\u00fcmesinden d\u00fc\u015f\u00fcl\u00fcyor.<\/p>\n

Yeni uygulama ile y\u0131ll\u0131k reel kredi b\u00fcy\u00fcmesi %15’in \u00fczerinde olan bankalar\u0131n uzun vadeli ticari ve konut kredilerinde b\u00fcy\u00fcmeyi s\u00fcrd\u00fcrebilmeleri i\u00e7in, k\u0131sa vadeli ticari ve konut kredilerindeki b\u00fcy\u00fcme toplam reel kredi b\u00fcy\u00fcmesinden d\u00fc\u015f\u00fcl\u00fcyor. Bankalar\u0131n kredi b\u00fcy\u00fcmesini yakalayabilmeleri i\u00e7in 5 y\u0131ldan uzun vadeli konut kredilerine a\u011f\u0131rl\u0131k vermeleri planlan\u0131yor.<\/p>\n

Merkez Bankas\u0131\u2019ndan Bir Faiz \u0130ndirimi Bekleniyor<\/h2>\n

12 Aral\u0131k Per\u015fembe g\u00fcn\u00fc Merkez Bankas\u0131 y\u0131l\u0131n son Para Politikas\u0131 Toplant\u0131s\u0131n\u0131 ger\u00e7ekle\u015ftirecek. Son \u00fc\u00e7 politika toplant\u0131s\u0131nda toplamda 1.000 baz puan indirim uygulayarak haftal\u0131k repo faizlerini %14\u2019e \u00e7eken TCMB\u2019nin bu toplant\u0131da da faiz indirimlerine devam etmesi bekleniyor. Piyasalar\u0131n beklentisi Merkez Bankas\u0131\u2019n\u0131n Aral\u0131k ay\u0131 para politikas\u0131 toplant\u0131s\u0131nda 150 ile 200 puan aras\u0131nda indirim yap\u0131lmas\u0131 y\u00f6n\u00fcnde.<\/p>\n

TCMB taraf\u0131ndan d\u00fcn yay\u0131nlanan Aral\u0131k ay\u0131 beklenti anketi istatistiklerinde reel sekt\u00f6r ve finansal sekt\u00f6r temsilcileri ile profesyonellerden olu\u015fan 67 kat\u0131l\u0131mc\u0131n\u0131n de\u011ferlendirmelerine g\u00f6re; TCMB bir hafta vadeli repo ihale faiz oran\u0131 cari ay ve 3, 6, 12, 24 ay sonras\u0131 beklentileri s\u0131ras\u0131yla %12,52, 12,15, 11,52, 10,60 ve 9,60 olarak yer ald\u0131.<\/p>\n

Konut Kredilerinde Faizler Nas\u0131l Etkilenecek?<\/h2>\n

KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re TCMB\u2019nin zorunlu kar\u015f\u0131l\u0131klara ili\u015fkin karar\u0131ndaki konut kredisini te\u015fvik edici uygulaman\u0131n etkisiyle bankalar\u0131n konut kredisi kulland\u0131r\u0131m i\u015ftah\u0131n\u0131n artmas\u0131 bekleniyor.<\/p>\n

Merkez Bankas\u0131\u2019ndan beklentiler do\u011frultusunda faiz indiriminin gelmesi ile likidite masraflar\u0131 azalacak olan bankalar\u0131n her iki uygulaman\u0131n etkisi ile konut kredisi kampanyalar\u0131na h\u0131z vermesi ve faizlerde belirgin indirimlere gitmesi \u00f6n g\u00f6r\u00fcn\u00fcyor.<\/p>\n

Ayr\u0131ca baz\u0131 uzmanlar ge\u00e7ti\u011fimiz y\u0131l ya\u015fanan kur krizinin etkisiyle zorla\u015fan bankalar\u0131n kredi ko\u015fullar\u0131nda yumu\u015famaya gidilmesi ve kredi \u015fartlar\u0131n\u0131n gev\u015femesi y\u00f6n\u00fcnde etkilerin olabilece\u011fi g\u00f6r\u00fc\u015f\u00fcn\u00fc aktard\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"

T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) kredi b\u00fcy\u00fcmesini zorunlu kar\u015f\u0131l\u0131klarla ili\u015fkilendiren d\u00fczenlemede de\u011fi\u015fikli\u011fe giderek uzun vadeli ticari ve konut kredilerini te\u015fvik edecek bir uygulama ba\u015flatt\u0131. Merkez Bankas\u0131 19 A\u011fustos\u2019ta ald\u0131\u011f\u0131 kararla Zorunlu Kar\u015f\u0131l\u0131klar\u0131n belirlenmesinde kredi b\u00fcy\u00fcmesi kriterini devreye sokmu\u015ftu.\u00a0 A\u011fustos ay\u0131nda devreye giren kararla kredi b\u00fcy\u00fcmesi %10 ile %20 aras\u0131nda (referans de\u011ferler) olan bankalar i\u00e7in T\u00fcrk […]<\/p>\n","protected":false},"author":1,"featured_media":30100,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[2227],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30615"}],"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=30615"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30615\/revisions"}],"predecessor-version":[{"id":30616,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30615\/revisions\/30616"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/30100"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=30615"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30615"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30615"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}