\u015eEBNEM TURHAN<\/strong><\/p>\n Merkez Bankas\u0131\u2019n\u0131n se\u00e7imlerden sonra att\u0131\u011f\u0131 sadele\u015fme, miktarsal s\u0131k\u0131la\u015fma ad\u0131mlar\u0131 ile politika faizinde yapt\u0131\u011f\u0131 art\u0131\u015flar kredi ve mevduat faizlerinde sert hareketler ya\u015fat\u0131yor. Merkez Bankas\u0131 verilerine g\u00f6re 1 Eyl\u00fcl ile biten hafta itibariyle ihtiya\u00e7 kredi faizi y\u00fczde 52,97\u2019ye, kredi kart\u0131 ve kredili mevduat hesab\u0131 hari\u00e7 TL ticari kredi faizi de y\u00fczde 37,94\u2019e y\u00fckseldi. \u0130htiya\u00e7 kredi faizindeki h\u0131zl\u0131 y\u00fckseli\u015f y\u0131ll\u0131k y\u00fczde 58,94 olan enflasyonun a\u015f\u0131laca\u011f\u0131n\u0131 ortaya koyarken 3 aya kadar vadeli TL mevduat faizi de y\u00fczde 37,59\u2019a y\u00fckseldi. Uzmanlar kur korumal\u0131 mevduattan TL mevduata d\u00f6n\u00fcn yat\u0131r\u0131mc\u0131lara verilen faiz<\/a> oran\u0131n\u0131n y\u00fczde 50\u2019ye kadar y\u00fckseldi\u011fine i\u015faret etti. \u0130htiya\u00e7 kredi faizleri enflasyon oran\u0131na dayansa da Merkez Bankas\u0131 verileri hem kamu hem de \u00f6zel bankalarda t\u00fcketici kredi b\u00fcy\u00fcmesinin h\u0131zland\u0131\u011f\u0131n\u0131, ticari kredilerde ise ivme kayb\u0131 ya\u015fand\u0131\u011f\u0131n\u0131 ortaya koydu. Se\u00e7imlerin tamamlanmas\u0131yla birlikte g\u00f6reve gelen yeni ekonomi y\u00f6netimi geleneksel para politikas\u0131 ad\u0131mlar\u0131 atmaya ba\u015flam\u0131\u015f ve politika faizi art\u0131r\u0131mlar\u0131 ba\u015fta olmak \u00fczere bankalara getirilen makroihtiyati \u00f6nlemlerde sadele\u015fmeye gitmi\u015f, miktarsal s\u0131k\u0131la\u015ft\u0131rma hamleleri atm\u0131\u015ft\u0131. 26 May\u0131s\u2019tan bu yana politika faizi 16.5 puan art\u0131r\u0131ld\u0131. Bankalar\u0131n kredi faizi limitlerinde ilk a\u015fama kald\u0131r\u0131ld\u0131, KKM\u2019den de TL mevduata d\u00f6n\u00fc\u015f\u00fcm hedefi getirildi.<\/p>\n T\u00fcm bunlar\u0131n sonucunda Merkez Bankas\u0131\u2019n\u0131n verilerine g\u00f6re ihtiya\u00e7 kredi faizi 26 May\u0131s\u2019tan 1 Eyl\u00fcl haftas\u0131na kadar 13 puan artarak y\u00fczde 39,96’dan y\u00fczde 52,97’ye kadar y\u00fckseldi. Ta\u015f\u0131t kredi faizi 8 puanl\u0131k y\u00fckseli\u015fle y\u00fczde 28,63’ten y\u00fczde 36,66’ya \u00e7\u0131karken, konut kredi faizi ise 16.35 puanl\u0131k art\u0131\u015fla y\u00fczde 35,69’a geldi. Ticari kredi kart\u0131 ve kredili mevduat hesab\u0131 hari\u00e7 TL ticari kredi faizi de 26 May\u0131s haftas\u0131ndan 1 Eyl\u00fcl haftas\u0131na tam 22.85 puan birden y\u00fckseldi. 26 May\u0131s haftas\u0131nda y\u00fczde 14,52 olan ticari kredi faizi 1 Eyl\u00fcl ile biten hafta itibariyle y\u00fczde 37,37’ye ula\u015ft\u0131.<\/p>\n Ayn\u0131 \u015fekilde kredi kart\u0131 ve kredili mevduat hesab\u0131 faiz oranlar\u0131 da y\u00fckseli\u015f e\u011filiminde. May\u0131sta kredi kart\u0131 i\u015flemlerinde y\u00fczde 1,36 uygulanan azami akdi faiz oran\u0131 eyl\u00fcl itibariyle y\u00fczde 2,81’e \u00e7\u0131kt\u0131. Azami gecikme faiz oran\u0131 da may\u0131staki y\u00fczde 1,66 oran\u0131ndan y\u00fczde 3,11’e y\u00fckseldi. Kredili mevduat hesaplar\u0131 ve nakit \u00e7ekim i\u015flemlerinde uygulanacak azami akdi faiz oran\u0131 da y\u00fczde 1,36’den eyl\u00fclde y\u00fczde 3,57’ye, azami gecikme faiz oran\u0131 da y\u00fczde 1,66’dan y\u00fczde 3,87’ye \u00e7\u0131kt\u0131.<\/p>\n Merkez Bankas\u0131 verilerine g\u00f6re 13 haftal\u0131k y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f ve kur etkisinden ar\u0131nd\u0131r\u0131lm\u0131\u015f toplam kredi b\u00fcy\u00fcmesi 1 Eyl\u00fcl haftas\u0131 itibariyle y\u00fczde 18,94’e y\u00fckseldi. 25 A\u011fustos haftas\u0131nda bu oran y\u00fczde 17,99 seviyesinde bulunuyordu. T\u00fcketici kredilerinde 13 haftal\u0131k y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f ar\u0131nd\u0131r\u0131lmam\u0131\u015f b\u00fcy\u00fcme ise y\u00fczde 22,9 oldu. T\u00fcketici kredilerinde son iki haftada bir ivmelenme g\u00f6zleniyor. Ticari kredilerde ise 13 haftal\u0131k y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f kur etkisinden ar\u0131nd\u0131r\u0131lm\u0131\u015f b\u00fcy\u00fcme ise y\u00fczde 6,45 oldu. Bir \u00f6nceki hafta yani 25 A\u011fustos haftas\u0131nda y\u00fczde 6,6’ya \u00e7\u0131km\u0131\u015ft\u0131. Ticari kredi b\u00fcy\u00fcmesinde hafif bir ivme kayb\u0131 ya\u015fand\u0131.<\/p>\n Kamu bankalar\u0131nda 13 haftal\u0131k y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f ve kur etkisinden ar\u0131nd\u0131r\u0131lm\u0131\u015f ticari kredi b\u00fcy\u00fcmesi y\u00fczde 19,33 olurken, ar\u0131nd\u0131r\u0131lmam\u0131\u015f t\u00fcketici kredi b\u00fcy\u00fcmesi ise y\u00fczde 9,28’e y\u00fckseldi. T\u00fcketici kredileri 25 A\u011fustos’taki y\u00fczde 5,41 b\u00fcy\u00fcme seviyesinden h\u0131zl\u0131 bir y\u00fckseli\u015f g\u00f6sterdi.<\/p>\n \u00d6zel bankalarda ise 13 haftal\u0131k y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f kur etkisinden ar\u0131nd\u0131r\u0131lm\u0131\u015f daralma ise yeniden h\u0131zland\u0131 ve y\u00fczde 7,86 k\u00fc\u00e7\u00fclme g\u00f6sterdi. T\u00fcketici kredileri ise \u00f6zel bankalarda 13 haftal\u0131k y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f ar\u0131nd\u0131r\u0131lmam\u0131\u015f olarak y\u00fczde 32,56 b\u00fcy\u00fcme g\u00f6sterdi.<\/p>\nTL ticari kredi faizi 22.85 puan birden artt\u0131 <\/strong><\/h2>\n
Kamuda ve \u00f6zelde t\u00fcketici kredileri h\u0131zland\u0131 <\/strong><\/h2>\n
\u25a0 PPK\u2019da yava\u015flamaya dikkat \u00e7ekilmi\u015fti<\/span><\/strong><\/h2>\n
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