T\u00fcrkiye\u2019de enflasyonun yeniden y\u00fczde 30\u2019un alt\u0131na gerilemesi, bireysel finansmanda g\u00f6zleri faiz indirimlerine \u00e7evirdi. T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131\u2019n\u0131n (TCMB) 22 Ekim\u2019deki toplant\u0131s\u0131 \u00f6ncesinde kredi ve mevduat piyasalar\u0131nda farkl\u0131 e\u011filimler dikkat \u00e7ekiyor. Bankalar\u0131n fonlama maliyetlerindeki d\u00fc\u015f\u00fc\u015f mevduat faizlerinin gerilemesine neden olurken kredi faizlerine etkisi s\u0131n\u0131rl\u0131 kald\u0131. Teknoloji odakl\u0131 bankac\u0131l\u0131k \u00fcr\u00fcnleri pazaryeri Hesap.com\u2019un analizine g\u00f6re, eyl\u00fclde kredi hacimleri enflasyonun alt\u0131nda b\u00fcy\u00fcrken, t\u00fcketicilerin taksitli \u00f6demelere y\u00f6nelimi s\u00fcrd\u00fc. Konut piyasas\u0131nda toplam sat\u0131\u015flar gerilese de kredili al\u0131mlar\u0131n pay\u0131 artt\u0131.<\/p>\n
Faiz indirimi beklentisi g\u00fc\u00e7leniyor<\/p>\n
T\u00dc\u0130K verilerine g\u00f6re, eyl\u00fcl ay\u0131nda t\u00fcketici fiyatlar\u0131 ayl\u0131k y\u00fczde 1,84, y\u0131ll\u0131k y\u00fczde 29,73 artt\u0131. Enflasyonun piyasa beklentilerinin alt\u0131nda ger\u00e7ekle\u015fmesi, faizlerin seyrine ili\u015fkin beklentileri yeniden g\u00fcndeme ta\u015f\u0131d\u0131. TCMB’nin politika faizini y\u00fczde 37’de sabit tuttu\u011fu d\u00f6nemde, bankalar\u0131n fonlama maliyetlerinde gev\u015feme g\u00f6r\u00fcl\u00fcrken, kredi ve mevduat faizlerinin \u00f6n\u00fcm\u00fczdeki d\u00f6nemdeki seyri \u00f6nem kazan\u0131yor.<\/p>\n
Kredi hacmi artarken bor\u00e7lanma reel olarak darald\u0131<\/p>\n
BDDK verilerine g\u00f6re, t\u00fcketici kredileri y\u0131lba\u015f\u0131ndan bu yana y\u00fczde 18,7 artarak 3,49 trilyon TL\u2019ye ula\u015ft\u0131. Ayn\u0131 d\u00f6nemde ihtiya\u00e7 kredileri y\u00fczde 18,1, bireysel kredi kart\u0131 hacmi ise y\u00fczde 24 b\u00fcy\u00fcd\u00fc. Eyl\u00fclde t\u00fcketici kredileri y\u00fczde 0,9, kredi kart\u0131 bakiyesi y\u00fczde 0,4 artarken, ayl\u0131k enflasyonun y\u00fczde 1,84 olmas\u0131 hanehalk\u0131 bor\u00e7 stokunun reel olarak yakla\u015f\u0131k y\u00fczde 1 k\u00fc\u00e7\u00fcld\u00fc\u011f\u00fcne i\u015faret etti. \u0130htiya\u00e7 kredisi faizlerinin y\u00fczde 62,73 seviyesinde seyretmesi ise bor\u00e7lanma maliyetlerinin y\u00fcksek kald\u0131\u011f\u0131n\u0131 g\u00f6sterdi.<\/p>\n
Okula d\u00f6n\u00fc\u015fte beklenen harcama art\u0131\u015f\u0131 ya\u015fanmad\u0131<\/p>\n
Ge\u00e7mi\u015f y\u0131llarda okullar\u0131n a\u00e7\u0131lmas\u0131yla eyl\u00fclde g\u00f6r\u00fclen kart harcamalar\u0131ndaki mevsimsel art\u0131\u015f ise bu y\u0131l ger\u00e7ekle\u015fmedi. TCMB verilerine g\u00f6re, eyl\u00fcl\u00fcn haftal\u0131k ortalama kart harcamas\u0131 668,7 milyar TL ile a\u011fustosun y\u00fczde 0,2 alt\u0131nda kald\u0131. \u00d6nceki iki y\u0131lda ise ayn\u0131 d\u00f6nemde s\u0131ras\u0131yla y\u00fczde 2,5 ve y\u00fczde 4,1 art\u0131\u015f ya\u015fanm\u0131\u015ft\u0131. Bununla birlikte kart harcamalar\u0131 y\u0131ll\u0131k bazda y\u00fczde 36,4 artarak reel olarak yakla\u015f\u0131k y\u00fczde 5 b\u00fcy\u00fcd\u00fc.<\/p>\n
Kredi kartlar\u0131nda taksitli bor\u00e7lanma art\u0131yor<\/p>\n
Taksitli kredi kart\u0131 bakiyesi y\u0131lba\u015f\u0131ndan bu yana y\u00fczde 30,1 artarak 1,34 trilyon TL\u2019ye ula\u015ft\u0131. Toplam kredi kart\u0131 bakiyesi i\u00e7indeki pay\u0131 ise y\u00fczde 36,9\u2019dan y\u00fczde 38,7\u2019ye y\u00fckseldi. Eyl\u00fclde taksitli bakiye y\u00fczde 3,2 artarken, taksitsiz bakiye y\u00fczde 1,3 geriledi. Veriler, t\u00fcketicilerin \u00f6demelerini daha uzun vadeye yayma e\u011filiminin s\u00fcrd\u00fc\u011f\u00fcn\u00fc g\u00f6steriyor.<\/p>\n
Konut sat\u0131\u015flar\u0131nda kredili al\u0131mlar \u00f6ne \u00e7\u0131k\u0131yor<\/p>\n
T\u00dc\u0130K verilerine g\u00f6re, y\u0131l\u0131n ilk sekiz ay\u0131nda konut sat\u0131\u015flar\u0131 y\u00fczde 6,8 gerilerken, kredili sat\u0131\u015flar y\u00fczde 27,6 artt\u0131. Kredili sat\u0131\u015flar\u0131n toplam i\u00e7indeki pay\u0131 y\u00fczde 14,5\u2019ten y\u00fczde 19,9\u2019a y\u00fckseldi. Konut kredisi hacmi de y\u0131lba\u015f\u0131ndan bu yana y\u00fczde 23,5 b\u00fcy\u00fcyerek 838,8 milyar TL\u2019ye ula\u015ft\u0131. Eyl\u00fclde y\u00fczde 1,4 ile t\u00fcketici kredileri aras\u0131nda en h\u0131zl\u0131 b\u00fcy\u00fcyen kalem olan konut kredileri, y\u00fczde 0,21 ile en d\u00fc\u015f\u00fck takip oran\u0131n\u0131 korudu.<\/p>\n
G\u00f6\u00e7en: \u201cFinansal kararlarda maliyet ve vade kar\u015f\u0131la\u015ft\u0131rmas\u0131 \u00f6nem kazan\u0131yor\u201d<\/p>\n
Hesap.com Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 \u00d6zg\u00fcr G\u00f6\u00e7en, bireysel finansmandaki geli\u015fmeleri \u015f\u00f6yle de\u011ferlendirdi: \u201cEnflasyondaki gerilemeyle birlikte faizlerin seyri hem kredi kullanacaklar hem de tasarruf sahipleri a\u00e7\u0131s\u0131ndan \u00f6nem kazan\u0131yor. Eyl\u00fcl verileri, kredi hacimlerinde reel daralmaya kar\u015f\u0131n taksitli bor\u00e7lanman\u0131n ve kredili konut al\u0131mlar\u0131n\u0131n artt\u0131\u011f\u0131n\u0131 g\u00f6steriyor. Tasarruf taraf\u0131nda ise TL mevduat g\u00fc\u00e7lenirken faizler geriliyor. Bu d\u00f6nemde t\u00fcketicilerin kredi maliyetlerini, \u00f6deme planlar\u0131n\u0131 ve vade se\u00e7eneklerini dikkatle de\u011ferlendirmesi \u00f6nem ta\u015f\u0131yor. Hesap.com olarak farkl\u0131 bankalar\u0131n kredi ve mevduat tekliflerini tek platformda kar\u015f\u0131la\u015ft\u0131rma imk\u00e2n\u0131 sunarak kullan\u0131c\u0131lar\u0131m\u0131z\u0131n finansal kararlar\u0131n\u0131 en avantajl\u0131 ko\u015fullarda vermelerine yard\u0131mc\u0131 oluyoruz.\u201d<\/p>\n
<\/strong> Eyl\u00fcl ay\u0131nda y\u0131ll\u0131k enflasyonun y\u00fczde 30\u2019un alt\u0131na sarkmas\u0131yla birlikte g\u00fc\u00e7lenen faiz indirimi beklentisi, bireysel finansmanda yeni bir d\u00f6nemin i\u015faretlerini veriyor. Hesap.com\u2019un analizine g\u00f6re, eyl\u00fclde t\u00fcketici kredileri reel olarak daral\u0131rken kredi kartlar\u0131nda taksitli bor\u00e7lanma artt\u0131. Konut kredileri ise di\u011fer t\u00fcketici kredilerinden daha h\u0131zl\u0131 b\u00fcy\u00fcd\u00fc. Faiz indirimi beklentisi, kredi maliyetleri ve bor\u00e7lar\u0131n yeniden finansman\u0131na ili\u015fkin beklentileri art\u0131rd\u0131.<\/p>\n","protected":false},"author":1,"featured_media":169255,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow07ekDA:productID":"","footnotes":""},"categories":[4,1,10,9],"tags":[],"class_list":["post-169254","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dunya","category-ekonomi","category-otomobil","category-manset"],"_links":{"self":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/169254","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=169254"}],"version-history":[{"count":0,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/169254\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media\/169255"}],"wp:attachment":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=169254"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=169254"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=169254"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nEKONOM\u0130 GAZETES\u0130 <\/p>\n","protected":false},"excerpt":{"rendered":"