{"id":75818,"date":"2026-04-24T21:00:09","date_gmt":"2026-04-24T18:00:09","guid":{"rendered":"https:\/\/ekonomigundemi.com.tr\/index.php\/2026\/04\/24\/piyasalarda-normallesme-ve-faizlerde-dusus-suruyor"},"modified":"2026-04-24T21:00:09","modified_gmt":"2026-04-24T18:00:09","slug":"piyasalarda-normallesme-ve-faizlerde-dusus-suruyor","status":"publish","type":"post","link":"https:\/\/ekonomigundemi.com.tr\/index.php\/2026\/04\/24\/piyasalarda-normallesme-ve-faizlerde-dusus-suruyor\/","title":{"rendered":"Piyasalarda normalle\u015fme ve faizlerde d\u00fc\u015f\u00fc\u015f s\u00fcr\u00fcyor"},"content":{"rendered":"<p>Pusula Yat\u0131r\u0131m\u2019\u0131n analizine g\u00f6re, piyasalar\u0131n hen\u00fcz sava\u015f \u00f6ncesi zirve seviyelerine d\u00f6nmedi\u011fi belirtildi. Bu durumun temel nedeni olarak kredi derecelendirme kurulu\u015flar\u0131n\u0131n not g\u00f6r\u00fcn\u00fcm\u00fcne y\u00f6nelik aksiyon almamas\u0131 ve takvim d\u0131\u015f\u0131 olumsuz ad\u0131mlar atmas\u0131 g\u00f6sterilirken pozitif bir e\u011filim olu\u015fmas\u0131 durumunda 200 alt\u0131 CDS seviyesinin 25 milyar dolar stok d\u00fczeyini beraberinde getirebilece\u011fi vurguland\u0131. Analizde ayr\u0131ca 24 Nisan ile biten haftan\u0131n n\u00f6tr-s\u0131n\u0131rl\u0131 sat\u0131c\u0131l\u0131 aral\u0131\u011f\u0131nda tamamlanabilece\u011fi \u00f6ng\u00f6r\u00fcs\u00fcne yer verildi.\u00a0<\/p>\n<p>Haftal\u0131k verilere g\u00f6re gerginli\u011fin nisan ay\u0131na kay\u0131\u015f\u0131 ve g\u00fcncel kompozisyonda ticari kredilerin daha etkin olmas\u0131yla birlikte bireysel krediler y\u00fczde 0,41 ile yatay seyrederken ticari krediler y\u00fczde 2,2 oran\u0131nda b\u00fcy\u00fcme kaydetti.<\/p>\n<p>Verilere g\u00f6re 17 Nisan ile biten haftada kredi faiz oranlar\u0131nda genel bir d\u00fc\u015f\u00fc\u015f e\u011filimi g\u00f6zlendi; ihtiya\u00e7 kredisi 38 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 62,97, ta\u015f\u0131t kredisi 353 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 39,62, ticari krediler 22 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 49,3 ve t\u00fcketici kredileri 49 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 61,67 seviyesine gerilerken konut kredisi 31 baz puan art\u0131\u015fla y\u00fczde 36,84 oldu. TCMB\u2019nin faiz indirim d\u00f6ng\u00fcs\u00fcn\u00fcn gecikmeli yans\u0131malar\u0131 ve swap e\u011frisinin seyriyle kredi faizlerinde a\u015fa\u011f\u0131 y\u00f6nl\u00fc alan\u0131n korunaca\u011f\u0131 \u00f6ng\u00f6r\u00fclen analizde \u00f6n\u00fcm\u00fczdeki d\u00f6nemde t\u00fcketici ve ihtiya\u00e7 taraf\u0131n\u0131n y\u00fczde 60 band\u0131nda, di\u011fer gruplar\u0131n ise y\u00fczde 40 band\u0131nda dalgalanaca\u011f\u0131 de\u011ferlendirildi.<\/p>\n<p>Aktar\u0131lan verilere g\u00f6re, 17 Nisan ile biten haftada mevduat faizlerinde d\u00fc\u015f\u00fc\u015f izlendi; Avro 240 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 0,51, TL 329 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 42,95 ve Dolar 45 baz puan d\u00fc\u015f\u00fc\u015fle y\u00fczde 1,06 seviyesine geriledi. D\u00f6viz taraf\u0131nda mevduatlar\u0131n normalize oldu\u011fu ve TL taraf\u0131nda TLREF \u00fczeri yap\u0131n\u0131n s\u00fcrd\u00fc\u011f\u00fc belirtilen analizde k\u00fcresel ortama k\u0131yasla daha az gergin olan T\u00fcrkiye piyasas\u0131na vurgu yap\u0131l\u0131rken TL taraf\u0131ndaki dalgalanmalar\u0131n TLREF\u2019e yak\u0131nsamaya devam etmesi ve mevcut faiz art\u0131r\u0131m ortam\u0131n\u0131n TL kompozisyonunu desteklemesi bekleniyor.<\/p>\n<p>Aktar\u0131lan son verilere g\u00f6re, gerginlikteki g\u00f6rece yumu\u015fama ortam\u0131yla birlikte normalle\u015fen piyasalar DTH\u2019larda anl\u0131k dengelenmelere neden olurken bu hafta t\u00fczel talebinin \u00f6n plana \u00e7\u0131kmas\u0131yla ger\u00e7ek t\u00fczel makas\u0131 t\u00fczel lehine d\u00f6nd\u00fc. Hafta genelinde 16,17 milyon dolar\u0131 ger\u00e7ek ki\u015filerden, 1,41 milyar dolar\u0131 ise t\u00fczel ki\u015filerden olmak \u00fczere toplam 1,42 milyar dolarl\u0131k giri\u015f takip edildi.<\/p>\n<p> <strong><\/strong><br \/>\nEKONOM\u0130 GAZETES\u0130 <\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0130stanbul 24 Nisan (Hibya) &#8211; Pusula Yat\u0131r\u0131m\u2019\u0131n yay\u0131mlad\u0131\u011f\u0131 haftal\u0131k verilere g\u00f6re, hisse senetlerindeki stok art\u0131\u015f\u0131 sava\u015f d\u00f6nemi zirvesini a\u015farak y\u0131lba\u015f\u0131ndan bu yana y\u00fczde 31,3 seviyesine ula\u015ft\u0131. 24 Nisan haftas\u0131 i\u00e7in ise s\u0131n\u0131rl\u0131 sat\u0131c\u0131l\u0131 bir seyir \u00f6ng\u00f6r\u00fcl\u00fcyor. <\/p>\n","protected":false},"author":1,"featured_media":75819,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow07ekDA:productID":"","footnotes":""},"categories":[1,9],"tags":[],"class_list":["post-75818","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-manset"],"_links":{"self":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/75818","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=75818"}],"version-history":[{"count":0,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/75818\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media\/75819"}],"wp:attachment":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=75818"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=75818"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=75818"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}