T\u00fcrkiye Cumhuriyeti Merkez Bankas\u0131 (TCMB), politika faizinde \u00fcst \u00fcste \u00fc\u00e7 kez indirime giderek gev\u015feme ad\u0131mlar\u0131n\u0131 s\u00fcrd\u00fcr\u00fcrken, kredi ve mevduat faizlerindeki de\u011fi\u015fim t\u00fcketicilerin dijitalde finansal \u00fcr\u00fcn arama e\u011filimini g\u00fc\u00e7lendirdi. Kredi faizlerindeki gerileme internette kredi aramalar\u0131n\u0131 yukar\u0131 ta\u015f\u0131rken, mevduat faizlerindeki d\u00fc\u015f\u00fc\u015f bu alandaki arama hacmini a\u015fa\u011f\u0131 y\u00f6nl\u00fc etkiledi.<\/p>\n
Hesap.com verilerine g\u00f6re kredi aramalar\u0131 temmuz ay\u0131ndaki politika faiz indirimini takiben son 3 ayda yakla\u015f\u0131k y\u00fczde 20 art\u0131\u015f g\u00f6stererek toplamda 15 milyonun \u00fczerine \u00e7\u0131kt\u0131. \u0130nternet \u00fczerindeki mevduat faizi aramalar\u0131nda ise y\u00fczde 15\u2019lik bir d\u00fc\u015f\u00fc\u015f ya\u015fand\u0131 ve toplam hacim 10 milyona \u00e7ekildi. \u00a0<\/p>\n
Kredi faizleri d\u00fc\u015f\u00fc\u015f e\u011filiminde<\/p>\n
Konuya ili\u015fkin de\u011ferlendirmede bulunan Hesap.com Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 L\u00fctfi Kalayc\u0131, \u015funlar\u0131 s\u00f6yledi:<\/p>\n
\u201c2024\u2019\u00fcn ilk \u00e7eyre\u011finden bu yana s\u00fcren gev\u015feme ad\u0131mlar\u0131, t\u00fcketicilerin finansal e\u011filimini etkiliyor. Politika faizinin ekim ay\u0131nda y\u00fczde 39,50 seviyesine \u00e7ekilmesiyle yeni a\u00e7\u0131lan ihtiya\u00e7 kredilerine uygulanan a\u011f\u0131rl\u0131k faiz oran\u0131 2024 y\u0131l\u0131n\u0131n ilk \u00e7eyrek seviyelerine gerileyerek, vergiler hari\u00e7 ayl\u0131k y\u00fczde 4 seviyesinde ger\u00e7ekle\u015fti. Kas\u0131m ay\u0131 itibar\u0131yla konut kredilerinde a\u011f\u0131rl\u0131kl\u0131 ortalama oran y\u00fczde 2,71 olarak ger\u00e7ekle\u015firken, ta\u015f\u0131t kredilerinde bu oran y\u00fczde 2,63 oldu.\u201d<\/p>\n
Mevduat faizleri hala cazibesini koruyor<\/p>\n
\u0130htiya\u00e7, konut ve ta\u015f\u0131t kredilerinin toplam\u0131ndan olu\u015fan t\u00fcketici kredilerinin 2,7 trilyon liraya ula\u015ft\u0131\u011f\u0131n\u0131 ve y\u0131lba\u015f\u0131ndan itibaren y\u00fczde 33,6\u2019l\u0131k b\u00fcy\u00fcme sergiledi\u011fini aktaran Kalayc\u0131, \u201cS\u00f6z konusu d\u00f6nemde ihtiya\u00e7 kredilerinde y\u00fczde 40\u2019l\u0131k b\u00fcy\u00fcme g\u00f6zlenirken, y\u0131lba\u015f\u0131ndan bu yana 20 milyonun \u00fczerinde ihtiya\u00e7 kredisi kullan\u0131m\u0131 ger\u00e7ekle\u015fti. Ortalama ihtiya\u00e7 kredisi tutar\u0131 ise 90 bin lira oldu. Ocak-Ekim 2025 d\u00f6neminde konut sat\u0131\u015flar\u0131 ge\u00e7ti\u011fimiz seneye g\u00f6re y\u00fczde 16 artarak, 1,29 milyon adet olarak ger\u00e7ekle\u015firken; ipotekli konut sat\u0131\u015flar\u0131 da y\u00fczde 64 artarak 186 bin adet oldu. Bu art\u0131\u015fla birlikte toplam konut kredisi hacmi y\u00fczde 26 b\u00fcy\u00fcyerek, 647 milyar liraya ula\u015ft\u0131. Ortalama konut kredisi kullan\u0131m tutar\u0131 ise 1,3 milyon lira olarak ger\u00e7ekle\u015fti. Ta\u015f\u0131t kredileri ise ara\u00e7 de\u011feri limitleri nedeniyle bu y\u0131l y\u00fczde 35 oran\u0131nda k\u00fc\u00e7\u00fclerek, 49 milyar TL seviyesine geriledi\u201d dedi.<\/p>\n
Bir sonraki TCMB Para Politikas\u0131 Kurulu (PPK) toplant\u0131s\u0131n\u0131n 11 Aral\u0131k\u2019ta olaca\u011f\u0131n\u0131 hat\u0131rlatan Kalayc\u0131, Merkez Bankas\u0131\u2019n\u0131n faiz karar\u0131nda ekim ve kas\u0131m ay\u0131 enflasyon verilerinin belirleyici olaca\u011f\u0131n\u0131 vurgulayarak, s\u00f6zlerini \u015f\u00f6yle tamamlad\u0131:<\/p>\n
\u201cPolitika faizlerindeki indirim s\u00fcreci devam ettik\u00e7e, kredi faizlerindeki d\u00fc\u015f\u00fc\u015f bireylerin krediye olan ilgisini canl\u0131 tutarken, mevduat faizleri h\u00e2l\u00e2 cazibesini koruyarak tasarruf talebinin s\u00fcrmesini sa\u011flayacakt\u0131r.\u201d<\/p>\n
<\/strong> Merkez Bankas\u0131\u2019n\u0131n temmuz itibar\u0131yla ba\u015flatt\u0131\u011f\u0131 faiz indirimleri, bireylerin internette kredi ve mevduat \u00fcr\u00fcnlerine y\u00f6nelik arama e\u011filimlerini belirgin \u015fekilde de\u011fi\u015ftirdi. Kredi faizlerindeki d\u00fc\u015f\u00fc\u015f dijital arama hacmini yukar\u0131 iterken, mevduat aramalar\u0131nda ise zay\u0131flama g\u00f6zlendi.<\/p>\n","protected":false},"author":1,"featured_media":9276,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow07ekDA:productID":"","footnotes":""},"categories":[12,4,1,10],"tags":[],"class_list":["post-9275","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spor","category-dunya","category-ekonomi","category-otomobil"],"_links":{"self":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/9275","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=9275"}],"version-history":[{"count":0,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/9275\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media\/9276"}],"wp:attachment":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=9275"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=9275"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=9275"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nSANAY\u0130 HABER AJANSI <\/p>\n","protected":false},"excerpt":{"rendered":"