\u015eimdiden d\u00fcnya genelinde son y\u0131llar\u0131n en b\u00fcy\u00fck ekonomik krizine neden ve hastal\u0131\u011fa dair veri ak\u0131\u015f\u0131n\u0131n piyasalar\u0131 do\u011frudan etkiledi\u011fi coronavirus (Covid-19) salg\u0131n\u0131 kredi taleplerinde kredi musluklar\u0131n\u0131 nas\u0131l etkiledi?<\/p>\n
<\/p>\n
\u0130lk vakan\u0131n 11 Martta g\u00f6r\u00fcld\u00fc\u011f\u00fc \u00fclkemizde salg\u0131na kar\u015f\u0131 al\u0131nan tedbirler kapsam\u0131nda ekonominin en az hasarla ilerleyebilmesi i\u00e7in pek \u00e7ok tedbir devreye al\u0131nd\u0131. Bu kapsamda kamu bankalar\u0131 \u00f6nc\u00fcl\u00fc\u011f\u00fcnde elini ta\u015f\u0131n alt\u0131na koyan bankalar ba\u015fta kredi erteleme ve yap\u0131land\u0131rma kampanyalar\u0131n\u0131n yan\u0131nda yeni firnanman ihtiyac\u0131 olan esnafa ve bireysel t\u00fcketicilere uygun \u015fartlarla kredi kulland\u0131rmaya devam ediyor.<\/p>\n
<\/p>\n
Bankalar\u0131n finansal y\u00f6nden desteklenmesi i\u00e7in ve kredi y\u00f6netmeli\u011finin t\u00fcketici lehine d\u00fczenlemesi i\u00e7in s\u00fcre\u00e7 boyunca kurumlar bir\u00e7ok i\u015flem ger\u00e7ekle\u015ftirdi. T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB), Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) ve T\u00fcrkiye Bankalar Birli\u011fi (TBB) bankalara daha d\u00fc\u015f\u00fck maliyetle likidite sa\u011flanmas\u0131 ve t\u00fcketici kredilerinin \u00f6demelerinde kolayl\u0131klar yap\u0131lmas\u0131 ve yeni kredi taleplerinde kredi musluklar\u0131n\u0131n a\u00e7\u0131k tutularak corona salg\u0131n\u0131n\u0131 ekonomik a\u00e7\u0131dan en az hasarla atlat\u0131lmas\u0131 i\u00e7in d\u00fczenlemeler geli\u015ftirdi.<\/p>\n
<\/p>\n
K\u00fcresel \u00e7apta risk i\u015ftah\u0131n\u0131n azalmas\u0131, g\u00fcvenli liman talebinin artmas\u0131, merkez bankalar\u0131n\u0131n geli\u015fmeci ad\u0131mlar\u0131, geli\u015fmekte olan \u00fclkelerle T\u00fcrkiye ekonomi \u00fcst\u00fcnde bask\u0131 olu\u015fturdu. T\u00fcrkiye\u2019nin 5 y\u0131ll\u0131k kredi iflas takas\u0131 primi (CDS) 600 puan\u0131n \u00fczerine \u00e7\u0131kmas\u0131 ile lira \u00fczerinde b\u00fcy\u00fck bask\u0131 olu\u015ftu.<\/p>\n
<\/p>\n
Yakla\u015f\u0131k 10 ayd\u0131r bankalar\u0131n kredi faizlerinde kesintisiz \u015fekilde a\u015fa\u011f\u0131 y\u00f6nl\u00fc ivme sergilenirken coronavirus ve kur bask\u0131s\u0131 ile faiz oranlar\u0131 Mart ay\u0131nda baz\u0131 bankalarda art\u0131\u015f y\u00f6n\u00fcne d\u00f6nd\u00fc.<\/p>\n
<\/p>\n
Fakat kredi faizlerindeki k\u0131sa s\u00fcreli art\u0131\u015f TCMB\u2019nin Nisan para politikas\u0131 faizlerindeki beklenti \u00fcst\u00fcnde ger\u00e7ekle\u015ftirdi\u011fi d\u00fc\u015f\u00fc\u015f ve BDDK\u2019n\u0131n bankalara y\u00f6nelik swap i\u015flem limitlerini artt\u0131rmas\u0131yla yeniden a\u015fa\u011f\u0131 y\u00f6ne d\u00f6nd\u00fc.<\/p>\n
<\/p>\n
Son bir haftada be\u015f bankan\u0131n konut kredisi faizlerinin inmesi ile konutta en uygun faiz oran\u0131 s\u0131f\u0131r evlerde %0.79, ikinci el evlerde ise %0.89 olarak uygulanmaya ba\u015flad\u0131.<\/p>\n
<\/p>\n
KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re bankalardan 250.000 TL konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin 10 y\u0131l vadede en d\u00fc\u015f\u00fck ayl\u0131k taksitleri yakla\u015f\u0131k 3.200 TL oluyor. Kredinin vade sonunda toplam anapara ve faiz geri \u00f6demesi ise 388.000 TL\u2019 ye denk geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
\u015eimdiden d\u00fcnya genelinde son y\u0131llar\u0131n en b\u00fcy\u00fck ekonomik krizine neden ve hastal\u0131\u011fa dair veri ak\u0131\u015f\u0131n\u0131n piyasalar\u0131 do\u011frudan etkiledi\u011fi coronavirus (Covid-19) salg\u0131n\u0131 kredi taleplerinde kredi musluklar\u0131n\u0131 nas\u0131l etkiledi? \u0130lk vakan\u0131n 11 Martta g\u00f6r\u00fcld\u00fc\u011f\u00fc \u00fclkemizde salg\u0131na kar\u015f\u0131 al\u0131nan tedbirler kapsam\u0131nda ekonominin en az hasarla ilerleyebilmesi i\u00e7in pek \u00e7ok tedbir devreye al\u0131nd\u0131. Bu kapsamda kamu bankalar\u0131 \u00f6nc\u00fcl\u00fc\u011f\u00fcnde […]<\/p>\n","protected":false},"author":1,"featured_media":29513,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[80,951,277],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31586"}],"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=31586"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31586\/revisions"}],"predecessor-version":[{"id":31587,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31586\/revisions\/31587"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29513"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31586"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31586"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31586"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}