{"id":172195,"date":"2026-10-23T17:30:08","date_gmt":"2026-10-23T14:30:08","guid":{"rendered":"https:\/\/ekonomigundemi.com.tr\/index.php\/2026\/10\/23\/tl-mevduat-faizi-yuzde-4288e-geriledi"},"modified":"2026-10-23T17:30:08","modified_gmt":"2026-10-23T14:30:08","slug":"tl-mevduat-faizi-yuzde-4288e-geriledi","status":"publish","type":"post","link":"https:\/\/ekonomigundemi.com.tr\/index.php\/2026\/10\/23\/tl-mevduat-faizi-yuzde-4288e-geriledi\/","title":{"rendered":"TL mevduat faizi y\u00fczde 42,88\u2019e geriledi"},"content":{"rendered":"

TL bazl\u0131 ticari kredi faizleri s\u00f6z konusu haftada 458 baz puan azalarak y\u00fczde 48,44 seviyesinde ger\u00e7ekle\u015fti. Konut kredisi faizleri 16 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 41,50\u2019ye, ihtiya\u00e7 kredisi faizleri 71 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 61,50\u2019ye gerilerken, ta\u015f\u0131t kredisi faizleri 386 baz puan art\u0131\u015fla y\u00fczde 43,63\u2019e \u00e7\u0131kt\u0131.<\/p>\n

D\u00f6viz cinsinden ticari kredilerde ise dolar bazl\u0131 faiz oran\u0131 6 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 8,14\u2019e gerilerken, Euro bazl\u0131 ticari kredi faizleri 2 baz puan art\u0131\u015fla y\u00fczde 7,11 oldu. Ticari kredilerde mevduat faizi ile kredi faizi aras\u0131ndaki fark, TL i\u00e7in y\u00fczde 5,56, dolar i\u00e7in y\u00fczde 5,35 ve Euro i\u00e7in y\u00fczde 5,47 olarak hesapland\u0131. B\u00f6ylece TL ticari kredilerdeki mevduat spreadi, dolar ve Euro cinsinden kredilerdeki spreadin \u00fczerinde kald\u0131.<\/p>\n

Analizde, T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131n\u0131n (TCMB) politika faizinde 2021\u2019den bu yana ger\u00e7ekle\u015ftirdi\u011fi de\u011fi\u015fikliklere de yer verildi. TCMB, 2021 y\u0131l\u0131nda politika faizini toplam 500 baz puan indirerek y\u00fczde 14\u2019e \u00e7ekti. 2022 y\u0131l\u0131n\u0131n ilk yedi toplant\u0131s\u0131nda faizi y\u00fczde 14\u2019te sabit tutan Merkez Bankas\u0131, sonraki d\u00f6rt toplant\u0131da toplam 500 baz puanl\u0131k indirime giderek oran\u0131 y\u00fczde 9\u2019a d\u00fc\u015f\u00fcrd\u00fc. 23 \u015eubat 2023\u2019te yap\u0131lan 50 baz puanl\u0131k indirimle politika faizi y\u00fczde 8,5 seviyesine geriledi.<\/p>\n

2023 y\u0131l\u0131nda ekonomi y\u00f6netimindeki de\u011fi\u015fimin ard\u0131ndan TCMB, haziran ay\u0131ndan itibaren politika faizini toplam 3 bin 400 baz puan art\u0131rarak y\u00fczde 42,50\u2019ye y\u00fckseltti. Merkez Bankas\u0131, 2024 y\u0131l\u0131nda 750 baz puanl\u0131k art\u0131\u015fla politika faizini y\u00fczde 50\u2019ye \u00e7\u0131kar\u0131rken, y\u0131l\u0131n son toplant\u0131s\u0131nda 250 baz puan indirime giderek y\u0131l\u0131 y\u00fczde 47,50 seviyesinde tamamlad\u0131.<\/p>\n

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 d\u00fc\u015f\u00fcrd\u00fc. 17 Nisan\u2019da 350 baz puanl\u0131k art\u0131\u015fla faizi y\u00fczde 46\u2019ya y\u00fckselten Merkez Bankas\u0131, 19 Haziran\u2019da oran\u0131 sabit tuttu. Temmuz ay\u0131ndan itibaren ger\u00e7ekle\u015ftirilen d\u00f6rt toplant\u0131da toplam 800 baz puanl\u0131k indirime giden TCMB, 2025 y\u0131l\u0131n\u0131 y\u00fczde 38 seviyesindeki politika faiziyle tamamlad\u0131.<\/p>\n

Merkez Bankas\u0131, 2026 y\u0131l\u0131n\u0131n ilk toplant\u0131s\u0131nda politika faizini 100 baz puan indirerek y\u00fczde 37\u2019ye \u00e7ekti. 12 Mart, 22 Nisan, 11 Haziran, 23 Temmuz ve 10 Eyl\u00fcl tarihlerindeki toplant\u0131larda faizi sabit tutan TCMB, 22 Ekim tarihli toplant\u0131s\u0131nda ise 100 baz puanl\u0131k indirimle politika faizini y\u00fczde 36 seviyesine d\u00fc\u015f\u00fcrd\u00fc.<\/p>\n

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

\u0130stanbul, 23 Ekim (Hibya)- BMD Menkul\u2019\u00fcn kredi ve mevduat faiz oranlar\u0131na ili\u015fkin analizine g\u00f6re, bankalar\u0131n TL mevduat i\u00e7in uygulad\u0131\u011f\u0131 faiz oran\u0131 16 Ekim haftas\u0131nda \u00f6nceki haftaya k\u0131yasla 6 baz puan azalarak y\u00fczde 42,88\u2019e geriledi. Ayn\u0131 d\u00f6nemde dolar mevduat faizi 1 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 2,79 olurken, Euro mevduat faizi 9 baz puan art\u0131\u015fla y\u00fczde 1,64\u2019e y\u00fckseldi.<\/p>\n","protected":false},"author":1,"featured_media":172196,"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-172195","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\/172195","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=172195"}],"version-history":[{"count":0,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/172195\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media\/172196"}],"wp:attachment":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=172195"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=172195"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=172195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}