{"id":156637,"date":"2026-09-25T11:45:07","date_gmt":"2026-09-25T08:45:07","guid":{"rendered":"https:\/\/ekonomigundemi.com.tr\/index.php\/2026\/09\/25\/tl-mevduat-faizi-dusmeye-devam-etti-3"},"modified":"2026-09-25T11:45:07","modified_gmt":"2026-09-25T08:45:07","slug":"tl-mevduat-faizi-dusmeye-devam-etti-3","status":"publish","type":"post","link":"https:\/\/ekonomigundemi.com.tr\/index.php\/2026\/09\/25\/tl-mevduat-faizi-dusmeye-devam-etti-3\/","title":{"rendered":"TL mevduat faizi d\u00fc\u015fmeye devam etti"},"content":{"rendered":"<p class=\"MsoNormal\">BMD Ara\u015ft\u0131rma analizine g\u00f6re, bankalar\u0131n TL mevduat i\u00e7in uygulad\u0131klar\u0131 faiz oran\u0131 18 Eyl\u00fcl haftas\u0131nda bir \u00f6nceki haftaya g\u00f6re 34 baz puan azalarak y\u00fczde 43,56 oldu. Ayn\u0131 d\u00f6nemde dolar mevduat faizi 3 baz puan art\u0131\u015fla y\u00fczde 2,75\u2019e, Euro mevduat faizi ise 3 baz puan art\u0131\u015fla y\u00fczde 1,55\u2019e y\u00fckseldi.<\/p>\n<p class=\"MsoNormal\">TL bazl\u0131 ticari kredi faizleri 79 baz puan azal\u0131\u015fla y\u00fczde 52,85 olurken, TL bazl\u0131 konut kredi faizleri 3 baz puan art\u0131\u015fla y\u00fczde 41,96\u2019ya, ta\u015f\u0131t kredi faizleri 501 baz puan art\u0131\u015fla y\u00fczde 45,54\u2019e y\u00fckseldi. \u0130htiya\u00e7 kredi faizleri ise 111 baz puan azal\u0131\u015fla y\u00fczde 63,03 olarak ger\u00e7ekle\u015fti.<\/p>\n<p class=\"MsoNormal\">Dolar bazl\u0131 ticari kredi faizleri 12 baz puan azal\u0131\u015fla y\u00fczde 7,93 olurken, Euro bazl\u0131 ticari kredi faizleri 22 baz puan art\u0131\u015fla y\u00fczde 6,99\u2019a y\u00fckseldi. Ticari kredilere uygulanan mevduat spreadi TL i\u00e7in y\u00fczde 9,29, dolar i\u00e7in y\u00fczde 5,18 ve Euro i\u00e7in y\u00fczde 5,44 oldu. TL ticari kredilerdeki mevduat spreadi dolar ve Euro kredilere uygulanan spreadin \u00fczerinde kalmaya devam etti.<\/p>\n<p class=\"MsoNormal\">Analizde ayr\u0131ca TCMB\u2019nin politika faizindeki de\u011fi\u015fimlere yer verildi. TCMB, 2021 y\u0131l\u0131nda politika faizini 500 baz puan indirerek y\u00fczde 14\u2019e \u00e7ekti. 2022 y\u0131l\u0131n\u0131n ilk 7 toplant\u0131s\u0131nda politika faizini y\u00fczde 14 seviyesinde sabit tutan TCMB, sonraki 4 toplant\u0131da toplam 500 baz puan indirim yaparak faizi y\u00fczde 9\u2019a \u00e7ekti. 23 \u015eubat 2023\u2019te ise 50 baz puanl\u0131k indirimle politika faizi y\u00fczde 8,50\u2019ye indirildi.<\/p>\n<p class=\"MsoNormal\">2023 y\u0131l\u0131nda ekonomi y\u00f6netiminin de\u011fi\u015fmesinin ard\u0131ndan TCMB, haziran ay\u0131ndan ba\u015flayarak politika faizini toplam 3 bin 400 baz puan art\u0131rarak y\u00fczde 42,50\u2019ye y\u00fckseltti. 2024 y\u0131l\u0131nda 750 baz puanl\u0131k art\u0131\u015fla politika faizi y\u00fczde 50\u2019ye \u00e7\u0131kar\u0131l\u0131rken, y\u0131l\u0131n son toplant\u0131s\u0131nda 250 baz puan indirimle y\u00fczde 47,50 seviyesine \u00e7ekildi.<\/p>\n<p class=\"MsoNormal\">TCMB, 2025 y\u0131l\u0131n\u0131n ilk iki toplant\u0131s\u0131nda 250\u2019\u015fer baz puanl\u0131k indirimlerle politika faizini y\u00fczde 42,50\u2019ye indirirken, 17 Nisan\u2019da 350 baz puan art\u0131rarak y\u00fczde 46 seviyesine \u00e7\u0131kard\u0131. 19 Haziran\u2019da faiz oran\u0131n\u0131 de\u011fi\u015ftirmeyen TCMB, temmuz ay\u0131ndan ba\u015flayarak 4 toplant\u0131da toplam 800 baz puan indirim yaparak y\u0131l\u0131 y\u00fczde 38 seviyesinde tamamlad\u0131.<\/p>\n<p class=\"MsoNormal\">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, 11 Haziran, 23 Temmuz ve 10 Eyl\u00fcl tarihli toplant\u0131lar\u0131nda politika faizini y\u00fczde 37 seviyesinde sabit tuttu.<\/p>\n<p> <strong><\/strong><br \/>\nEKONOM\u0130 GAZETES\u0130 <\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0130stanbul, 25 Eyl\u00fcl (Hibya)- BMD Ara\u015ft\u0131rma analizine g\u00f6re,  TL mevduat faizi 18 Eyl\u00fcl haftas\u0131nda 34 baz puan azalarak y\u00fczde 43,56\u2019ya gerilerken, TL ticari kredi faizleri de 79 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 52,85 oldu.<\/p>\n","protected":false},"author":1,"featured_media":156638,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow07ekDA:productID":"","footnotes":""},"categories":[4,1],"tags":[],"class_list":["post-156637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dunya","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/156637","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=156637"}],"version-history":[{"count":0,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/156637\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media\/156638"}],"wp:attachment":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=156637"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=156637"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=156637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}