Merkez Bankas\u0131 d\u00fcn ola\u011fan\u00fcst\u00fc g\u00fcndemle toplanarak toplant\u0131 \u00f6ncesinde para politikas\u0131 faiz oranlar\u0131n\u0131 100 baz puan indirdi. Ola\u011fan\u00fcst\u00fc al\u0131nan faiz indirimi konut kredisi oranlar\u0131n\u0131 nas\u0131l etkileyecek?<\/p>\n
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T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) 19 Mart per\u015fembe g\u00fcn\u00fc ger\u00e7ekle\u015fmesi planlanan para politikas\u0131 kurulu toplant\u0131s\u0131 \u00f6ncesinde d\u00fcn koronovir\u00fcs \u00f6nlemleri sebebiyle ola\u011fan\u00fcst\u00fc \u015fekilde topland\u0131. Toplant\u0131dan \u00e7\u0131kan en \u00f6nemli karar Merkez Bankas\u0131\u2019n\u0131n vaktinden \u00f6nce gelen acil faiz indirimi oldu. TCMB toplant\u0131 sonras\u0131nda politika faizi olan bir hafta vadeli repo ihale faiz oran\u0131n\u0131n %10,75\u2019ten %9,75\u2019e indirdi. B\u00f6ylelikle politika faizleri 2018 Haziran sonras\u0131nda ilk kez tek basama\u011fa inmi\u015f oldu.<\/p>\n
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2019\u2019un Temmuz ay\u0131 itibariyle haftal\u0131k %24 seviyesinden aral\u0131ks\u0131z \u015fekilde d\u00fc\u015fmeye ba\u015flayan repo faizleri sonras\u0131nda likiditeye eri\u015fimi kolayla\u015fan bankalar kredi faiz oranlar\u0131nda sert d\u00fc\u015f\u00fc\u015fler ger\u00e7ekle\u015ftirmi\u015fti. Hemen her politika faiz indiriminin ard\u0131ndan bankalar\u0131n kredi faizlerinde indirim ata\u011f\u0131 ya\u015fand\u0131. En \u00e7ok indirimlerin ger\u00e7ekle\u015fti\u011fi konut kredisi i\u00e7in bankalardan bir indirim ata\u011f\u0131 daha gelebilir.<\/p>\n
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Ayr\u0131ca Merkez Bankas\u0131\u2019n\u0131n toplant\u0131s\u0131ndan bireysel kredileri ve kredi b\u00fcy\u00fcmesini destekleyici kararlar\u0131n da gelmesi kredi arz\u0131 i\u00e7in beklentiyi artt\u0131rd\u0131. Merkez Bankas\u0131 d\u00fcn ger\u00e7ekle\u015fen toplant\u0131s\u0131nda koronovir\u00fcs tedbirleri kapsam\u0131nda faiz indiriminin yan\u0131nda bir dizi karar\u0131 da uygulamaya soktu.<\/p>\n
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Merkez g\u00fcn i\u00e7i ve gecelik vadedeki haz\u0131r imk\u00e2nlar \u00e7er\u00e7evesinde bankalara ihtiya\u00e7 duyduklar\u0131 t\u00fcm likiditeyi sa\u011flayacak.<\/p>\n
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Piyasa yap\u0131c\u0131l\u0131\u011f\u0131 sisteminin desteklenmesi amac\u0131yla piyasa yap\u0131c\u0131 bankalara A\u00e7\u0131k Piyasa \u0130\u015flemleri \u00e7er\u00e7evesinde tan\u0131nan likidite imk\u00e2n\u0131na ili\u015fkin limitler art\u0131r\u0131lacak.<\/p>\n
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Zorunlu kar\u015f\u0131l\u0131klar uygulamas\u0131nda reel kredi b\u00fcy\u00fcme ko\u015fullar\u0131n\u0131 sa\u011flayan bankalar i\u00e7in yabanc\u0131 para zorunlu kar\u015f\u0131l\u0131k oranlar\u0131 t\u00fcm y\u00fck\u00fcml\u00fcl\u00fck t\u00fcrlerinde ve t\u00fcm vade dilimlerinde 500 baz puan indirildi. Bu kararla, reel kredi b\u00fcy\u00fcme ko\u015fullar\u0131n\u0131 sa\u011flayan bankalara yakla\u015f\u0131k 5.1 milyar dolar kar\u015f\u0131l\u0131\u011f\u0131 d\u00f6viz ve alt\u0131n cinsi likidite verilmesi bekleniyor. De\u011fi\u015fiklik, tesisi 20 Mart\u2019ta ba\u015flayacak olan 6 Mart tarihli y\u00fck\u00fcml\u00fcl\u00fck d\u00f6neminden itibaren ge\u00e7erli olacak.<\/p>\n
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Reel sekt\u00f6re kredi ak\u0131\u015f\u0131n\u0131n kesintisiz devam\u0131n\u0131 teminen bankalara hedefli ilave likidite imk\u00e2nlar\u0131 tan\u0131nd\u0131. Bankalar\u0131n yeni likidite imk\u00e2nlar\u0131ndan alabilecekleri azami fon tutar\u0131 reel sekt\u00f6re sa\u011flad\u0131klar\u0131 ve sa\u011flayacaklar\u0131 kredi tutarlar\u0131 ile ili\u015fkilendirilecek.<\/p>\n
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Kararlar sonras\u0131 bankalar\u0131n kredi b\u00fcy\u00fcmesine y\u00f6nelmesi ve kredi ko\u015fullar\u0131n\u0131 kolayla\u015ft\u0131rmas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n
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G\u00fcncel olarak kredi faizlerinin d\u00fc\u015fmesinde en b\u00fcy\u00fck engel kur ve piyasalar olarak duruyor. Borsa d\u00fcn 82 bin puana kadar gerileyerek 17 Ocak 2017 sonras\u0131 en d\u00fc\u015f\u00fck seviyeyi g\u00f6rd\u00fc. Merkez Bankas\u0131n\u0131n karar\u0131 ile yeniden y\u00fckseli\u015fe ge\u00e7en borsa kapan\u0131\u015fta 86 bin seviyelerinde yer alarak son g\u00fcnlerdeki kay\u0131plar\u0131n\u0131 geri kazanamad\u0131.<\/p>\n
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Dolar kuru ise d\u00fcn g\u00fcn i\u00e7inde 6.5 band\u0131n\u0131 olduk\u00e7a zorlasada 4.43 bankad\u0131nda dengelendi. Faiz karar\u0131 sonras\u0131 k\u0131smen y\u00fckselen kur yeniden d\u00fc\u015f\u00fc\u015fe ge\u00e7ti.<\/p>\n
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D\u00f6viz kuru, petrol fiyatlar\u0131 ve emtia piyasas\u0131ndaki h\u0131zl\u0131 dalgalanmalar, korono salg\u0131n\u0131n\u0131n t\u00fcm geli\u015fmekte olan para birimleri ile beraber T\u00fcrk Liras\u0131nda da de\u011fer kayb\u0131 olu\u015fturmas\u0131 ile bankalar\u0131n kredi faizlerini d\u00fc\u015f\u00fcrmesini engelliyor.<\/p>\n
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Yine de Merkez Bankas\u0131\u2019ndan kredi faizlerinin d\u00fc\u015fmesine imkan sa\u011flayan hamle sonras\u0131nda bankalar\u0131n nas\u0131l pozisyon al\u0131naca\u011f\u0131 merak ediliyor.<\/p>\n
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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re g\u00fcncel olarak en d\u00fc\u015f\u00fck konut kredisi faizi s\u0131f\u0131r konutlar i\u00e7in %0.79, ikinci el konutlar i\u00e7in %0.87 olarak uygulan\u0131yor<\/p>\n","protected":false},"excerpt":{"rendered":"
Merkez Bankas\u0131 d\u00fcn ola\u011fan\u00fcst\u00fc g\u00fcndemle toplanarak toplant\u0131 \u00f6ncesinde para politikas\u0131 faiz oranlar\u0131n\u0131 100 baz puan indirdi. Ola\u011fan\u00fcst\u00fc al\u0131nan faiz indirimi konut kredisi oranlar\u0131n\u0131 nas\u0131l etkileyecek? T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) 19 Mart per\u015fembe g\u00fcn\u00fc ger\u00e7ekle\u015fmesi planlanan para politikas\u0131 kurulu toplant\u0131s\u0131 \u00f6ncesinde d\u00fcn koronovir\u00fcs \u00f6nlemleri sebebiyle ola\u011fan\u00fcst\u00fc \u015fekilde topland\u0131. Toplant\u0131dan \u00e7\u0131kan en \u00f6nemli karar Merkez […]<\/p>\n","protected":false},"author":1,"featured_media":23281,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[1729,951],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31306"}],"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=31306"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31306\/revisions"}],"predecessor-version":[{"id":31307,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31306\/revisions\/31307"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/23281"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31306"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}