{"id":4075,"date":"2016-08-09T14:06:03","date_gmt":"2016-08-09T11:06:03","guid":{"rendered":"http:\/\/emlaktuel.com\/?p=4075"},"modified":"2018-07-05T14:30:40","modified_gmt":"2018-07-05T11:30:40","slug":"bankalarin-faiz-indirimi-enflasyona-bagli","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=4075","title":{"rendered":"Bankalar\u0131n faiz indirimi enflasyona ba\u011fl\u0131!"},"content":{"rendered":"<section id=\"general\" class=\"container clear\">\n<aside id=\"center\" class=\"left detail\">\n<article id=\"article\">D\u00fcnya Gazetesi k\u00f6\u015fe yazarlar\u0131ndan Tevfik G\u00fcng\u00f6r bug\u00fcnk\u00fc yaz\u0131s\u0131nda, bankalar\u0131n faiz indirimini ger\u00e7ekle\u015ftirmeleri i\u00e7in gerekli ko\u015fullar\u0131 ve nedenlerini yazd\u0131.<\/p>\n<div>\n<p>\u0130\u015fte o yaz\u0131:<\/p>\n<p>Bir kamu kurulu\u015fu olan Emlak Konut, belli say\u0131daki konutu belli s\u00fcre i\u00e7in ayl\u0131k y\u00fczde 0.7 faizle, sat\u0131\u015fa \u00e7\u0131kard\u0131. Ayl\u0131k y\u00fczde 0.7 faiz y\u0131ll\u0131k y\u00fczde 8.7 faiz demek.<\/p>\n<p>Emlak Konut\u2019unun y\u0131ll\u0131k y\u00fczde 8.7 faizle sat\u0131\u015f yapmas\u0131, bankalar\u0131n da konut kredisi faizlerini y\u00fczde 9.0\u2019un alt\u0131na indirmeleri bekleyi\u015fine yol a\u00e7t\u0131.<\/p>\n<p>G\u00fcn\u00fcm\u00fczde bankalar\u0131n (ortalama) konut kredisi faizleri y\u0131ll\u0131k y\u00fczde 13.70, ticari kredi faizleri y\u00fczde 13.68 oran\u0131nda.<\/p>\n<p>Y\u0131lba\u015f\u0131ndan bu yana Merkez Bankas\u0131\u2019n\u0131n faiz indirimi yan\u0131nda banka kredilerinde de gerileme var ama, gerileme ufak \u00f6l\u00e7\u00fclerde.<\/p>\n<p>\u00d6rne\u011fin konut kredileri y\u00fczde 14.3\u2019den y\u00fczde 13.7\u2019ye geriledi. Ticari krediler y\u00fczde 14.4\u2019den y\u00fczde 13.6\u2019ya geriledi. Faizlerdeki gerileme k\u00fc\u00e7\u00fck \u00f6l\u00e7\u00fcde oldu.<\/p>\n<p>\u0130htiya\u00e7 sahipleri i\u00e7in kredinin maliyeti \u00f6nemli. Kredinin maliyetinin y\u00fcksek olmas\u0131, yat\u0131r\u0131m ve \u00fcretim kararlar\u0131n\u0131 olumsuz etkiliyor.<\/p>\n<p>Bankalar\u0131n kredi faizlerini ucuzlatabilmeleriyse, kredi kayna\u011f\u0131n\u0131n maliyetinin ucuzlamas\u0131na ba\u011fl\u0131. Kredi kayna\u011f\u0131n\u0131n maliyetinin ucuzlamas\u0131 enflasyonun gerilemesine ba\u011fl\u0131.<\/p>\n<p>Banka kredilerinin ana kayna\u011f\u0131 (en b\u00fcy\u00fck kayna\u011f\u0131) halk\u0131n mevduattaki birikimleridir.<\/p>\n<p>Bankalar toplad\u0131klar\u0131 her 100 TL mevduat\u0131n bir b\u00f6l\u00fcm\u00fcn\u00fc Merkez Bankas\u0131\u2019na yat\u0131r\u0131yorlar. Bir b\u00f6l\u00fcm\u00fcn\u00fc kasada sakl\u0131yorlar. Toplad\u0131klar\u0131 100 TL mevduat\u0131n yakla\u015f\u0131k 80 liras\u0131n\u0131 krediye d\u00f6n\u00fc\u015ft\u00fcrebiliyorlar.<\/p>\n<p>\u0130\u015fte bunun i\u00e7in y\u00fczde 10.5 ortalama faiz ile toplad\u0131klar\u0131 mevduat\u0131n krediye d\u00f6n\u00fc\u015febilir k\u0131sm\u0131nda faiz y\u00fck\u00fc art\u0131yor, y\u00fczde 12.5\u2019a ula\u015f\u0131yor. \u0130\u015fletme masraflar\u0131 da eklenince kredi faizi y\u00fczde 13\u2019\u00fcn \u00fczerine \u00e7\u0131k\u0131yor.<\/p>\n<p>Bankalar\u0131n mevduat kayna\u011f\u0131na dayal\u0131 olarak y\u00fczde 9 faizle kredi verebilmeleri i\u00e7in mevduat faizinin y\u00fczde 7\u2019lere inmesi gerekiyor Bu mevduat sahiplerinin stopaj, vergi kesintisinden sonra y\u00fczde 6 net faize raz\u0131 olmalar\u0131 demektir.<\/p>\n<p>Bug\u00fcn enflasyon y\u00fczde 9\u2018larda dolan\u0131rken mevduat sahiplerinin birikimlerini y\u00fczde 6 net faizle mevduat hesaplar\u0131na yat\u0131rmalar\u0131 beklenemez.<\/p>\n<p>Enflasyon, do\u011fru ekonomik politikalarla y\u00fczde 5\u2019e indirildi\u011finde, halk\u0131m\u0131z paralar\u0131n\u0131 y\u00fczde 6 net faizle bankalarda tutmaya devam edecek. Bankalar da mevduat kayna\u011f\u0131na dayal\u0131 olarak y\u00fczde 9 faizle kredi verebilecek.<\/p>\n<p>Ancak bankalar sadece mevduata dayal\u0131 kredi vermiyorlar.<\/p>\n<p>Bankalar\u0131n yurtd\u0131\u015f\u0131ndan d\u00f6vizle bor\u00e7lanarak bulduklar\u0131 kaynak 300 milyar TL. Tahvil, bono ihrac\u0131 ile toplad\u0131klar\u0131 para 100 milyar TL. Merkez Bankas\u0131\u2019ndan kulland\u0131klar\u0131 imkan 100 milyar TL. \u00d6zkaynaklar\u0131 280 milyar TL. B\u00fct\u00fcn bunlar\u0131n toplam\u0131 \u00fcst \u00fcste 1 trilyon 780 milyar TL.<\/p>\n<p>\u00d6zetle, kredi faizinin ucuzlamas\u0131, bankalar\u0131n kredi i\u00e7in kulland\u0131klar\u0131 paran\u0131n maliyetinin ucuzlamas\u0131na ba\u011fl\u0131.<\/p>\n<p>Bankalar mevduata, yurtd\u0131\u015f\u0131ndan bulduklar\u0131 kredilere, \u00e7\u0131kard\u0131klar\u0131 tahvil ve bonolara, Merkez Bankas\u0131\u2019ndan ald\u0131klar\u0131 krediye daha az faiz \u00f6demeye ba\u015flad\u0131klar\u0131nda, kredi faizini de ucuzlatacaklar.<\/p>\n<p>Tevfik G\u00fcng\u00f6r\/D\u00fcnya<\/p>\n<\/div>\n<\/article>\n<\/aside>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>D\u00fcnya Gazetesi k\u00f6\u015fe yazarlar\u0131ndan Tevfik G\u00fcng\u00f6r bug\u00fcnk\u00fc yaz\u0131s\u0131nda, bankalar\u0131n faiz indirimini ger\u00e7ekle\u015ftirmeleri i\u00e7in gerekli ko\u015fullar\u0131 ve nedenlerini yazd\u0131. \u0130\u015fte o yaz\u0131: Bir kamu kurulu\u015fu olan Emlak Konut, belli say\u0131daki konutu belli s\u00fcre i\u00e7in ayl\u0131k y\u00fczde 0.7 faizle, sat\u0131\u015fa \u00e7\u0131kard\u0131. Ayl\u0131k y\u00fczde 0.7 faiz y\u0131ll\u0131k y\u00fczde 8.7 faiz demek. Emlak Konut\u2019unun y\u0131ll\u0131k y\u00fczde 8.7 faizle sat\u0131\u015f [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3977,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[221,1,26,27],"tags":[2750,961,2747,2749,4610,298,459,278,11073,11091,951,2748],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/4075"}],"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=4075"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/4075\/revisions"}],"predecessor-version":[{"id":4076,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/4075\/revisions\/4076"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/3977"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4075"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4075"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4075"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}