{"id":114149,"date":"2026-07-13T14:15:09","date_gmt":"2026-07-13T11:15:09","guid":{"rendered":"https:\/\/ekonomigundemi.com.tr\/index.php\/2026\/07\/13\/tl-mevduat-faizinde-dusus-surerken-ticari-kredi-faizi-yukseldi"},"modified":"2026-07-13T14:15:09","modified_gmt":"2026-07-13T11:15:09","slug":"tl-mevduat-faizinde-dusus-surerken-ticari-kredi-faizi-yukseldi","status":"publish","type":"post","link":"https:\/\/ekonomigundemi.com.tr\/index.php\/2026\/07\/13\/tl-mevduat-faizinde-dusus-surerken-ticari-kredi-faizi-yukseldi\/","title":{"rendered":"TL mevduat faizinde d\u00fc\u015f\u00fc\u015f s\u00fcrerken ticari kredi faizi y\u00fckseldi"},"content":{"rendered":"

BMD Menkul analizinde, bankalar\u0131n TL mevduata uygulad\u0131\u011f\u0131 faiz oran\u0131n\u0131n 3 Temmuz haftas\u0131nda bir \u00f6nceki haftaya g\u00f6re 20 baz puan gerileyerek y\u00fczde 47,23\u2019e indi\u011fi belirtildi. Ayn\u0131 d\u00f6nemde dolar mevduat faizinin 11 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 2,19\u2019a geriledi\u011fi, euro mevduat faizinin ise 57 baz puan art\u0131\u015fla y\u00fczde 1,47\u2019ye y\u00fckseldi\u011fi ifade edildi.<\/p>\n

Analizde, TL bazl\u0131 ticari kredi faizinin ayn\u0131 haftada 365 baz puan art\u0131\u015fla y\u00fczde 56,51\u2019e y\u00fckseldi\u011fi kaydedildi. Konut kredi faizinin 45 baz puan gerileyerek y\u00fczde 41,45\u2019e, ta\u015f\u0131t kredi faizinin 215 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 49,70\u2019e indi\u011fi, ihtiya\u00e7 kredi faizinin ise 50 baz puan art\u0131\u015fla y\u00fczde 63,35\u2019e \u00e7\u0131kt\u0131\u011f\u0131 aktar\u0131ld\u0131.<\/p>\n

Dolar bazl\u0131 ticari kredi faizinin 6 baz puan azal\u0131\u015fla y\u00fczde 8,04\u2019e, euro bazl\u0131 ticari kredi faizinin ise 7 baz puan gerileyerek y\u00fczde 6,97\u2019ye d\u00fc\u015ft\u00fc\u011f\u00fc belirtilen analizde, ticari kredilere uygulanan mevduat spreadinin TL\u2019de y\u00fczde 9,28, dolarda y\u00fczde 5,85 ve euroda y\u00fczde 5,50 oldu\u011fu bildirildi. TL ticari kredilerdeki mevduat spreadinin, yabanc\u0131 para cinsinden kredilere g\u00f6re daha y\u00fcksek seviyesini korudu\u011fu vurguland\u0131.<\/p>\n

Analizde ayr\u0131ca, T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131n\u0131n (TCMB) son y\u0131llardaki politika faizi ad\u0131mlar\u0131na da yer verildi. Buna g\u00f6re, 2021 y\u0131l\u0131nda politika faizini y\u00fczde 14\u2019e kadar indiren TCMB, 2022 y\u0131l\u0131nda faizi y\u0131l sonunda y\u00fczde 9 seviyesine \u00e7ekti. Se\u00e7im sonras\u0131nda de\u011fi\u015fen ekonomi y\u00f6netimiyle birlikte 2023 y\u0131l\u0131nda s\u0131k\u0131 para politikas\u0131na ge\u00e7ilerek politika faizi kademeli art\u0131r\u0131ld\u0131.<\/p>\n

BMD Menkul de\u011ferlendirmesinde, TCMB\u2019nin 2024 y\u0131l\u0131nda politika faizini y\u00fczde 50 seviyesine kadar y\u00fckselttikten sonra y\u0131l\u0131n son toplant\u0131s\u0131nda y\u00fczde 47,50\u2019ye indirdi\u011fi hat\u0131rlat\u0131ld\u0131. Analizde, 2025 y\u0131l\u0131nda faiz oran\u0131n\u0131n \u00f6nce y\u00fczde 42,50\u2019ye d\u00fc\u015f\u00fcr\u00fcld\u00fc\u011f\u00fc, nisan ay\u0131nda yeniden y\u00fczde 46\u2019ya y\u00fckseltildi\u011fi, y\u0131l\u0131n ikinci yar\u0131s\u0131nda yap\u0131lan indirimlerle y\u0131l\u0131n y\u00fczde 38 politika faiziyle tamamland\u0131\u011f\u0131 ifade edildi.<\/p>\n

TCMB, 2026 y\u0131l\u0131n\u0131n ilk toplant\u0131s\u0131nda politika faizini 100 baz puan indirerek y\u00fczde 37\u2019ye \u00e7ekti. Banka, 12 Mart, 22 Nisan ve 11 Haziran tarihli Para Politikas\u0131 Kurulu toplant\u0131lar\u0131nda ise politika faizini y\u00fczde 37 seviyesinde sabit tuttu.<\/p>\n

<\/strong>
\nEKONOM\u0130 GAZETES\u0130 <\/p>\n","protected":false},"excerpt":{"rendered":"

\u0130stanbul, 13 Temmuz (Hibya)- BMD Menkul, 3 Temmuz haftas\u0131na ili\u015fkin kredi ve mevduat faiz oranlar\u0131n\u0131 de\u011ferlendirdi. Analizde, TL mevduat faizindeki gerilemenin s\u00fcrd\u00fc\u011f\u00fc, buna kar\u015f\u0131l\u0131k TL ticari kredi faizlerinde belirgin y\u00fckseli\u015f ya\u015fand\u0131\u011f\u0131 belirtildi.<\/p>\n","protected":false},"author":1,"featured_media":114150,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow07ekDA:productID":"","footnotes":""},"categories":[4,1,9],"tags":[],"class_list":["post-114149","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dunya","category-ekonomi","category-manset"],"_links":{"self":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/114149","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/comments?post=114149"}],"version-history":[{"count":0,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/114149\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media\/114150"}],"wp:attachment":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=114149"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=114149"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=114149"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}