Bizim Menkul De\u011ferler A.\u015e. (BMD) Ara\u015ft\u0131rma\u2019n\u0131n 3 Nisan tarihli \u201cKredi ve Mevduat Faiz Oranlar\u0131\u201d raporuna g\u00f6re, bankalar\u0131n TL mevduat i\u00e7in uygulad\u0131\u011f\u0131 faiz oran\u0131 s\u00f6z konusu haftada bir \u00f6nceki haftaya g\u00f6re 75 baz puan artarak y\u00fczde 45,65\u2019e \u00e7\u0131kt\u0131. Ayn\u0131 d\u00f6nemde dolar mevduat faizi 5 baz puan art\u0131\u015fla y\u00fczde 1,94\u2019e y\u00fckselirken, euro mevduat faizi 5 baz puan gerileyerek y\u00fczde 1,07 oldu.<\/p>\n
Rapora g\u00f6re ticari kredilerde de art\u0131\u015f dikkat \u00e7ekti. TL bazl\u0131 ticari kredi faiz oran\u0131 185 baz puan y\u00fckselerek y\u00fczde 52,93 seviyesine \u00e7\u0131kt\u0131. Bireysel kredi t\u00fcrlerinde ise farkl\u0131 y\u00f6nl\u00fc hareketler g\u00f6r\u00fcld\u00fc. Konut kredi faizleri 76 baz puan art\u0131\u015fla y\u00fczde 35,52, ihtiya\u00e7 kredi faizleri 108 baz puan art\u0131\u015fla y\u00fczde 58,99 seviyesine y\u00fckselirken, ta\u015f\u0131t kredi faizleri 45 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 35,01 olarak kaydedildi.<\/p>\n
Yabanc\u0131 para kredilerde ise d\u00fc\u015f\u00fc\u015f g\u00f6r\u00fcld\u00fc. Rapora g\u00f6re ayn\u0131 haftada dolar bazl\u0131 ticari kredi faizi 14 baz puan azal\u0131\u015fla y\u00fczde 7,55, euro bazl\u0131 ticari kredi faizi ise 31 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 6,00 seviyesinde ger\u00e7ekle\u015fti.<\/p>\n
BMD Ara\u015ft\u0131rma verilerine g\u00f6re ticari krediler ile mevduat aras\u0131ndaki faiz fark\u0131 (spread) TL\u2019de y\u00fczde 7,28, dolar kredilerde y\u00fczde 5,61 ve euro kredilerde y\u00fczde 4,93 olarak hesapland\u0131. B\u00f6ylece TL ticari kredilerdeki mevduat spreadinin yabanc\u0131 para kredilere g\u00f6re daha y\u00fcksek kalmay\u0131 s\u00fcrd\u00fcrd\u00fc\u011f\u00fc belirtildi.<\/p>\n
Raporda ayr\u0131ca para politikas\u0131ndaki de\u011fi\u015fim s\u00fcrecine de de\u011finildi. Buna g\u00f6re T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB), 2023 y\u0131l\u0131ndaki politika de\u011fi\u015fimi sonras\u0131 faiz art\u0131r\u0131mlar\u0131na giderek politika faizini y\u00fczde 42,50 seviyesine y\u00fckseltmi\u015f, 2024\u2019te yap\u0131lan art\u0131\u015flarla bu oran y\u00fczde 50\u2019ye kadar \u00e7\u0131km\u0131\u015ft\u0131.<\/p>\n
TCMB, 2025 y\u0131l\u0131nda faiz indirimlerine giderek y\u0131l\u0131 y\u00fczde 38 politika faiziyle tamamlad\u0131. 2026\u2019n\u0131n ilk toplant\u0131s\u0131nda ise 100 baz puan indirimle politika faizi y\u00fczde 37\u2019ye \u00e7ekildi, 12 Mart toplant\u0131s\u0131nda ise oran y\u00fczde 37\u2019de sabit b\u0131rak\u0131ld\u0131.<\/p>\n
<\/strong> \u0130stanbul, 3 Nisan (Hibya) \u2013 Bizim Menkul De\u011ferler A.\u015e. (BMD) Ara\u015ft\u0131rma\u2019n\u0131n yay\u0131mlad\u0131\u011f\u0131 rapora g\u00f6re bankalar\u0131n T\u00fcrk liras\u0131 (TL) mevduata uygulad\u0131\u011f\u0131 faiz oran\u0131 27 Mart haftas\u0131nda y\u00fckseli\u015fini s\u00fcrd\u00fcrd\u00fc.<\/p>\n","protected":false},"author":1,"featured_media":70398,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow07ekDA:productID":"","footnotes":""},"categories":[4,1],"tags":[],"class_list":["post-70397","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\/70397","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=70397"}],"version-history":[{"count":0,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/70397\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media\/70398"}],"wp:attachment":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=70397"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=70397"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=70397"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nEKONOM\u0130 GAZETES\u0130 <\/p>\n","protected":false},"excerpt":{"rendered":"