TCMB\u2019nin Banka Kredileri E\u011filim Anketi\u2019nde 2025 y\u0131l\u0131n\u0131n d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finde, bankalar\u0131n kulland\u0131rd\u0131klar\u0131 i\u015fletme kredilerine ili\u015fkin genel de\u011ferlendirmelerinin uygulad\u0131klar\u0131 standartlarda s\u0131n\u0131rl\u0131 gev\u015feme ya\u015fand\u0131\u011f\u0131 y\u00f6n\u00fcnde oldu\u011fu belirtildi.\u00a0\u00a0<\/p>\n
Ankete g\u00f6re, alt k\u0131r\u0131l\u0131mlar incelendi\u011finde; vade bak\u0131m\u0131ndan k\u0131sa vadeli kredilere uygulanan standartlarda belirgin gev\u015feme g\u00f6zlenirken, uzun vadeli kredilere uygulanan standartlar\u0131n s\u0131n\u0131rl\u0131 gev\u015fedi\u011fi, para cinsi bak\u0131m\u0131ndan TL kredilere uygulanan standartlarda belirgin gev\u015feme g\u00f6zlenirken, YP kredilere uygulanan standartlarda s\u0131k\u0131la\u015fma e\u011filiminin devam etti\u011fi, \u00f6l\u00e7ek bak\u0131m\u0131ndan ise KOB\u0130\u2019lere verilen kredilere uygulanan standartlarda belirgin gev\u015feme g\u00f6zlenirken, b\u00fcy\u00fck i\u015fletmelere verilen kredilere uygulanan standartlar\u0131n s\u0131k\u0131la\u015ft\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc.<\/p>\n
Ayn\u0131 d\u00f6nemde, konut ve ta\u015f\u0131t kredilerine uygulanan standartlarda s\u0131n\u0131rl\u0131 gev\u015feme y\u00f6n\u00fcndeki de\u011ferlendirmelerde belirgin bir de\u011fi\u015fim g\u00f6zlenmezken, di\u011fer bireysel kredilere uygulanan standartlarda s\u0131n\u0131rl\u0131 s\u0131k\u0131la\u015fma y\u00f6n\u00fcndeki de\u011ferlendirmelerde belirgin bir de\u011fi\u015fim g\u00f6r\u00fclm\u00fcyor.<\/p>\n
2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde, bankalar\u0131n kulland\u0131rd\u0131klar\u0131 i\u015fletme kredilerine ili\u015fkin genel beklentilerinin, uygulad\u0131klar\u0131 standartlardaki gev\u015femenin devam edece\u011fi y\u00f6n\u00fcnde oldu\u011fu aktar\u0131ld\u0131.<\/p>\n
Alt k\u0131r\u0131l\u0131mlar incelendi\u011finde; vade bak\u0131m\u0131ndan k\u0131sa ve uzun vadeli kredilere uygulanan standartlarda gev\u015femenin devam etmesi, para cinsi bak\u0131m\u0131ndan TL kredilere uygulanan standartlarda gev\u015femenin devam etmesi, YP kredilere uygulanan standartlar\u0131n s\u0131n\u0131rl\u0131 gev\u015femesi, \u00f6l\u00e7ek bak\u0131m\u0131ndan ise KOB\u0130\u2019lere verilen kredilere uygulanan standartlarda gev\u015femenin devam etmesi, b\u00fcy\u00fck i\u015fletmelere verilen kredilere uygulanan standartlar\u0131n gev\u015femesi bekleniyor.<\/p>\n
Ayn\u0131 d\u00f6nemde, konut ve ta\u015f\u0131t kredilerine uygulanan standartlarda ayn\u0131 seyrin devam etmesi, di\u011fer bireysel kredilerde ise standartlar\u0131n s\u0131n\u0131rl\u0131 s\u0131k\u0131la\u015fmas\u0131 bekleniyor.<\/p>\n
Kredi talepleri<\/p>\n
2025 y\u0131l\u0131n\u0131n d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finde, i\u015fletmelere verilen kredilere olan talepteki azal\u0131\u015f yerini art\u0131\u015fa b\u0131rakt\u0131. Alt k\u0131r\u0131l\u0131mlar incelendi\u011finde; vade bak\u0131m\u0131ndan k\u0131sa ve uzun vadeli kredi talebindeki azal\u0131\u015f yerini art\u0131\u015fa b\u0131rakt\u0131, para cinsi bak\u0131m\u0131ndan TL kredilere olan talepteki azal\u0131\u015f yerini art\u0131\u015fa b\u0131rak\u0131rken, YP kredilere olan talepteki art\u0131\u015f seyri ise g\u00fc\u00e7lenerek devam etti, \u00f6l\u00e7ek bak\u0131m\u0131ndan ise KOB\u0130 kredi talebinde belirgin bir art\u0131\u015f g\u00f6r\u00fcl\u00fcrken, b\u00fcy\u00fck i\u015fletme kredi talebindeki azal\u0131\u015f yerini art\u0131\u015fa b\u0131rakt\u0131.<\/p>\n
Ayn\u0131 d\u00f6nemde, konut ve di\u011fer bireysel kredi talebindeki art\u0131\u015f\u0131n zay\u0131flayarak devam etti\u011fi, ta\u015f\u0131t kredi talebindeki azal\u0131\u015f\u0131n ise yerini art\u0131\u015fa b\u0131rakt\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. Stok art\u0131r\u0131m\u0131 ve i\u015fletme sermayesi talebi art\u0131r\u0131c\u0131 y\u00f6nde etkileyen en \u00f6nemli fakt\u00f6r oldu. Konut kredilerinde konut piyasas\u0131na ili\u015fkin beklentiler, di\u011fer bireysel kredilerde bireysel tasarruflar ve di\u011fer bankalardan sa\u011flanan krediler talebi art\u0131ran en \u00f6nemli fakt\u00f6rler oldu.<\/p>\n
2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde, i\u015fletme kredilerine olan talepteki art\u0131\u015f\u0131n g\u00fc\u00e7lenerek devam etmesi bekleniyor. Ayn\u0131 d\u00f6nemde, konut ve ta\u015f\u0131t kredi talebinin zay\u0131flayarak devam edece\u011fi, di\u011fer bireysel kredi talebindeki art\u0131\u015f\u0131n ise s\u0131n\u0131rl\u0131 zay\u0131flayarak devam etmesi bekleniyor.<\/p>\n
Kredi ko\u015ful ve kurallar\u0131<\/p>\n
\u0130\u015fletmelere kulland\u0131r\u0131lan kredilere uygulanan ko\u015ful ve kurallara bak\u0131ld\u0131\u011f\u0131nda, ortalama krediler \u00fczerindeki kar marj\u0131nda azal\u0131\u015f, daha riskli krediler \u00fczerindeki kar marj\u0131nda art\u0131\u015f g\u00f6r\u00fcld\u00fc. Ayr\u0131ca kredi ya da kredi limitinin b\u00fcy\u00fckl\u00fc\u011f\u00fc ile teminat ihtiyac\u0131na ili\u015fkin ko\u015ful ve kurallarda gev\u015feme g\u00f6zlendi. Bireysel kredilere uygulanan ko\u015ful ve kurallarda ise belirgin bir de\u011fi\u015fim g\u00f6r\u00fclmedi.<\/p>\n
Fonlama ko\u015fullar\u0131<\/p>\n
Bankalar\u0131n fon sa\u011flama imkanlar\u0131n\u0131n geli\u015fimi incelendi\u011finde, 2025 y\u0131l\u0131n\u0131n d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finde fonlama ko\u015fullar\u0131n\u0131n yurt i\u00e7inde gev\u015fedi\u011fi y\u00f6n\u00fcndeki de\u011ferlendirmelerin artt\u0131\u011f\u0131, yurt d\u0131\u015f\u0131nda gev\u015fedi\u011fi y\u00f6n\u00fcndeki de\u011ferlendirmelerin ise g\u00fc\u00e7l\u00fc artt\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc. Yurt d\u0131\u015f\u0131 fonlama maliyeti ile di\u011fer ko\u015ful ve kurallar, yurt d\u0131\u015f\u0131 fonlama ko\u015fullar\u0131n\u0131 gev\u015fetici y\u00f6nde etkiledi. 2026 y\u0131l\u0131n\u0131n birinci \u00e7eyre\u011finde, yurt i\u00e7in fonlama ko\u015fullar\u0131ndaki gev\u015femenin s\u0131n\u0131rl\u0131 artaca\u011f\u0131, yurt d\u0131\u015f\u0131nda ise gev\u015femenin zay\u0131flayaca\u011f\u0131 bekleniyor<\/p>\n
<\/strong> \u0130stanbul, 2 Ocak (Hibya) \u2013 T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) taraf\u0131ndan 2025 y\u0131l\u0131n\u0131n d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011fine ili\u015fkin Banka Kredileri E\u011filim Anketi yay\u0131mland\u0131.<\/p>\n","protected":false},"author":1,"featured_media":28398,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow07ekDA:productID":"","footnotes":""},"categories":[12,4,1],"tags":[],"class_list":["post-28397","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spor","category-dunya","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/28397","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=28397"}],"version-history":[{"count":0,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/28397\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media\/28398"}],"wp:attachment":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=28397"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=28397"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=28397"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nEKONOM\u0130 GAZETES\u0130 <\/p>\n","protected":false},"excerpt":{"rendered":"