2026\u2019n\u0131n ilk yedi ay\u0131nda k\u00fcresel piyasalardaki geli\u015fmeler, T\u00fcrkiye\u2019de kredi kullan\u0131m\u0131 ve tasarruf tercihlerinin seyrinde de etkili oldu. Kullan\u0131c\u0131lar\u0131n finansal kararlar\u0131n\u0131 daha bilin\u00e7li ve verimli hale getirmeyi ama\u00e7layan, teknoloji odakl\u0131 bankac\u0131l\u0131k \u00fcr\u00fcnleri pazaryeri Hesap.com\u2019un yapt\u0131\u011f\u0131 analize g\u00f6re, kredi hacmindeki b\u00fcy\u00fcmenin ana kayna\u011f\u0131n\u0131 planl\u0131 finansman \u00fcr\u00fcnleri yerine k\u0131sa vadeli ve esnek bor\u00e7lanma kanallar\u0131 olu\u015fturdu. Tasarruf tercihlerinde ise vadeli mevduat a\u011f\u0131rl\u0131\u011f\u0131n\u0131 korudu.<\/p>\n
T\u00fcketim ve kredi talebi y\u00fcksek faiz ortam\u0131na ra\u011fmen canl\u0131<\/p>\n
BKM verilerine g\u00f6re, kartl\u0131 harcamalar y\u0131ll\u0131k bazda y\u00fczde 45 civar\u0131nda artarak enflasyonun \u00fczerinde art\u0131\u015f g\u00f6sterdi. Banka ve kredi kartlar\u0131yla yap\u0131lan haftal\u0131k harcama, 31 Temmuz 2026 haftas\u0131nda 750,6 milyar TL ile serinin bug\u00fcne kadarki en y\u00fcksek de\u011ferine ula\u015ft\u0131. T\u00fcketimin de etkisi ile bireysel kredi hacmi b\u00fcy\u00fcmesini s\u00fcrd\u00fcr\u00fcyor.<\/p>\n
Kredide a\u011f\u0131rl\u0131k k\u0131sa vadeye kayd\u0131<\/p>\n
Kredi hacmindeki b\u00fcy\u00fcme ise ihtiya\u00e7 kredisi gibi planl\u0131 \u00fcr\u00fcnlerden de\u011fil, kredi kart\u0131 bakiyesi ve kredili mevduat hesab\u0131 gibi harcama an\u0131nda olu\u015fan, k\u0131sa vadeli ve esnek bor\u00e7lanma kanallar\u0131ndan geldi. \u0130htiya\u00e7 kredisi hacmi y\u0131lba\u015f\u0131ndan bu yana y\u00fczde 16,6 artarken, kredi kart\u0131 hacmi ve kredili mevduat hesab\u0131 hacmi y\u00fczde 22\u2019nin \u00fczerinde art\u0131\u015f g\u00f6sterdi.<\/p>\n
Konutta kredili al\u0131mlar art\u0131yor<\/p>\n
T\u00dc\u0130K verilerine g\u00f6re, y\u0131l\u0131n ilk 7 ay\u0131nda sat\u0131lan konut adedi bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 6 azal\u0131rken, ayn\u0131 d\u00f6nemde kredili sat\u0131\u015f adedi y\u00fczde 31 artt\u0131. Konut fiyatlar\u0131n\u0131n reel olarak gerilemesi krediye eri\u015fimi olan t\u00fcketiciler i\u00e7in kredi veya finansman kullanarak konut almay\u0131 m\u00fcmk\u00fcn k\u0131ld\u0131. Konut kredilerinde y\u0131l ba\u015f\u0131ndan bu yana kaydedilen y\u00fczde 20\u2019yi a\u015fan b\u00fcy\u00fcme, kredili konut sat\u0131\u015flar\u0131ndaki art\u0131\u015fla da uyumlu bir seyir izledi.<\/p>\n
G\u00f6\u00e7en: \u201cMevduat b\u00fcy\u00fcyor, tasarruf finansman\u0131na ilgi s\u00fcr\u00fcyor\u201d<\/p>\n
Hesap.com Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 \u00d6zg\u00fcr G\u00f6\u00e7en, y\u0131l\u0131n ilk yedi ayl\u0131k g\u00f6r\u00fcn\u00fcm\u00fcne ili\u015fkin \u015funlar\u0131 s\u00f6yledi: \u201cMevduat hacmi haziran sonundaki ge\u00e7ici gerilemenin ard\u0131ndan Temmuz’da toparland\u0131 ve vadeli mevduat hacmi ikinci kez 10 trilyon TL’nin \u00fczerine \u00e7\u0131kt\u0131. Mevduat sahiplerinin en avantajl\u0131 oranlarla mevduatlar\u0131n\u0131 de\u011ferlendirebilmeleri i\u00e7in Hesap.com olarak bankalarla i\u015f birli\u011fi i\u00e7erisinde mevduat tekliflerini t\u00fcketicilere sunuyoruz. Ayr\u0131ca, tasarruf finansman\u0131 sekt\u00f6r\u00fcn\u00fcn son y\u0131llarda yakalad\u0131\u011f\u0131 ivme, konut ve ta\u015f\u0131t \u00f6zelinde finansman talebinin y\u00f6n\u00fcn\u00fc bankalardan tasarruf finansman\u0131 \u015firketlerine \u00e7evirdi. Tasarruf finansman\u0131 \u015firketlerinin m\u00fc\u015fteri say\u0131s\u0131n\u0131n Mart 2025\u2019ten Mart 2026\u2019ya y\u00fczde 112 artmas\u0131 ve 1 milyon 300 bin m\u00fc\u015fteriye ula\u015fmas\u0131 bu trendi do\u011fruluyor. Hesap.com olarak t\u00fcketicilerin t\u00fcm finansal kararlar\u0131nda yanlar\u0131nda olmay\u0131 ve do\u011fru kararlar almalar\u0131n\u0131 desteklemeyi ama\u00e7l\u0131yoruz. A\u011fustos ay\u0131nda hayata ge\u00e7irdi\u011fimiz tasarruf finansman\u0131 kategorimiz ile tasarruf finansman\u0131 kullan\u0131c\u0131s\u0131n\u0131n da hesapl\u0131 olmas\u0131n\u0131 sa\u011fl\u0131yoruz.\u201d<\/p>\n
\u00a0<\/p>\n
\u00a0<\/p>\n
\u00a0<\/p>\n
\u00a0 <\/strong> 2026\u2019n\u0131n ilk yedi ay\u0131nda bireysel kredi ve kredi kart\u0131 hacmi b\u00fcy\u00fcmesini s\u00fcrd\u00fcr\u00fcrken, kredi kullan\u0131m\u0131nda \u00fcr\u00fcnlerin a\u011f\u0131rl\u0131\u011f\u0131 de\u011fi\u015fti. Hesap.com\u2019un analizine g\u00f6re, kredi hacmindeki b\u00fcy\u00fcmede planl\u0131 finansman \u00fcr\u00fcnlerinden \u00e7ok k\u0131sa vadeli ve esnek bor\u00e7lanma kanallar\u0131 \u00f6ne \u00e7\u0131kt\u0131. Tasarruf taraf\u0131nda ise vadeli mevduata y\u00f6nelim devam etti.<\/p>\n","protected":false},"author":1,"featured_media":134345,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow07ekDA:productID":"","footnotes":""},"categories":[4,10,11,9],"tags":[],"class_list":["post-134344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dunya","category-otomobil","category-saglik","category-manset"],"_links":{"self":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/134344","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=134344"}],"version-history":[{"count":0,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/134344\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media\/134345"}],"wp:attachment":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=134344"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=134344"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=134344"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nEKONOM\u0130 GAZETES\u0130 <\/p>\n","protected":false},"excerpt":{"rendered":"