{"id":3875,"date":"2023-09-14T03:52:24","date_gmt":"2023-09-14T00:52:24","guid":{"rendered":"https:\/\/egemhabertv.com\/?p=3875"},"modified":"2023-09-14T03:52:24","modified_gmt":"2023-09-14T00:52:24","slug":"kredi-ve-kartta-takibe-dusenlerin-sayisi-%52-artti","status":"publish","type":"post","link":"https:\/\/egemhabertv.com\/?p=3875","title":{"rendered":"Kredi ve kartta takibe d\u00fc\u015fenlerin say\u0131s\u0131 %52 artt\u0131"},"content":{"rendered":"

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T\u00fcrkiye Bankalar Birli\u011fi (TBB) taraf\u0131ndan a\u00e7\u0131klanan verilere g\u00f6re, bireysel kredi veya kredi kart\u0131 borcundan dolay\u0131 yasal takibe intikal etmi\u015f ki\u015fi say\u0131s\u0131 ocak\u2013temmuz d\u00f6neminde gerilerken, ge\u00e7en y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re ise y\u00fczde 15,4 artt\u0131. Ge\u00e7en y\u0131l borcunu \u00f6deyemedi\u011fi i\u00e7in yasal takibe d\u00fc\u015fen bireysel kredi ya da kredi kart\u0131 sahibi ki\u015fi say\u0131s\u0131 156 binden bu y\u0131l temmuz ay\u0131nda 180 bine y\u00fckseldi.<\/p>\n

Ayl\u0131k bazdaki art\u0131\u015f ise y\u00fczde 52 olarak kaydedildi. Bireysel kredi kart\u0131 borcundan dolay\u0131 yasal takibe intikal etmi\u015f ki\u015fi say\u0131s\u0131 2023 y\u0131l\u0131 temmuz ay\u0131nda 96 bin 409 ki\u015fi oldu. Ge\u00e7en y\u0131l ayn\u0131 ay s\u00f6z konusu ki\u015fi say\u0131s\u0131 77 bin 747 ki\u015fi olmu\u015ftu. Bireysel kredi borcundan dolay\u0131 yasal takibe intikal etmi\u015f ki\u015fi say\u0131s\u0131 ise ayn\u0131 d\u00f6nemde 113 bin 925 ki\u015fi olurken, ge\u00e7en y\u0131l ayn\u0131 ay 99 bin 896 ki\u015fi olarak kaydedilmi\u015fti.<\/p>\n

Tasfiye olunacak alacak miktar\u0131 40 milyar TL oldu<\/strong><\/p>\n

\u00a0Temmuz 2023 itibariyle negatif nitelikli bireysel kredi bakiyesine ili\u015fkin olarak a\u00e7\u0131klamada, “Risk Merkezi verilerine g\u00f6re, Temmuz 2023 itibar\u0131yla bireysel kredi kartlar\u0131n\u0131 da i\u00e7eren bireysel kredilerde tasfiye olunacak alacaklar\u0131 bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 26 art\u0131\u015f ile 40 milyar TL olmu\u015ftur” ifadeleri yer ald\u0131. Y\u0131ll\u0131k olarak bak\u0131ld\u0131\u011f\u0131nda yasal takibe d\u00fc\u015fenlerde gerileme g\u00f6r\u00fcld\u00fc. TBB a\u00e7\u0131klamas\u0131nda, Ocak-Temmuz 2023 d\u00f6neminde, bir \u00f6nceki y\u0131l ayn\u0131 d\u00f6neme g\u00f6re bireysel kredi veya bireysel kredi kart\u0131 borcundan dolay\u0131 yasal takibe intikal etmi\u015f ki\u015fi say\u0131s\u0131 y\u00fczde 22 azalarak 752 bin ki\u015fi oldu bilgisi verildi.<\/p>\n

Kredi kullan\u0131m\u0131nda \u0130stanbul a\u00e7\u0131k ara \u00f6nde<\/strong><\/p>\n

\u00a0Nakdi kredilerin illere ve b\u00f6lgelere g\u00f6re da\u011f\u0131l\u0131m\u0131na bak\u0131ld\u0131\u011f\u0131nda ise \u0130stanbul\u2019un a\u00e7\u0131k ara lider oldu\u011fu g\u00f6r\u00fcl\u00fcyor. Temmuz ay\u0131nda \u0130stanbul\u2019da kulland\u0131r\u0131lan 4 trilyon 325 milyar 481 milyon lira kredinin 3 trilyon 36 milyar liras\u0131 \u00f6zel bankalar taraf\u0131ndan, 1 trilyon 288 milyon liras\u0131 kamu bankalar\u0131 taraf\u0131ndan kulland\u0131r\u0131ld\u0131. \u0130stanbul\u2019un ard\u0131ndan 1 trilyon 343 milyar 490 milyon lira ile Ankara ikinci s\u0131rada yer ald\u0131. Ankara\u2019y\u0131 523 milyar 710 milyon lira ile \u0130zmir takip etti.<\/p>\n

Bireysel krediler a\u011f\u0131rl\u0131kta<\/strong><\/p>\n

\u00a0TBB taraf\u0131ndan a\u00e7\u0131klanan raporda bankalarca temmuz d\u00f6neminde toplam 10 trilyon 696 milyar 275 milyon lira kredi kulland\u0131r\u0131ld\u0131. Kulland\u0131r\u0131lan kredilerin sekt\u00f6rel da\u011f\u0131l\u0131m\u0131na bak\u0131ld\u0131\u011f\u0131nda ilk s\u0131rada bireysel krediler yer al\u0131yor. Bireysel krediler toplam kredilerin y\u00fczde 21,9\u2019unu olu\u015ftururken kulland\u0131r\u0131lan kredi miktar\u0131 da 2 trilyon 339 milyar lira oldu.<\/p>\n

Bireysel kredilerin 39 milyar 957 milyon liral\u0131k k\u0131sm\u0131 tasfiye olacak krediler aras\u0131nda yer ald\u0131. Ayr\u0131ca bireysel kredilerin alt kalemlerine bak\u0131ld\u0131\u011f\u0131nda en b\u00fcy\u00fck miktar\u0131 934 milyar 758 milyon lira ile di\u011fer krediler olu\u015ftururken kredi kartlar 861 milyar 605 milyon lira ile ikinci konut kredileri 455 milyar 376 milyon lira ile \u00fc\u00e7\u00fcnc\u00fc otomobil kredileri 87 milyar 488 milyon lira ile d\u00f6rd\u00fcnc\u00fc s\u0131rada yer ald\u0131.<\/p>\n

\u00a0<\/p>\n<\/p><\/div>\n

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[ad_1] T\u00fcrkiye Bankalar Birli\u011fi (TBB) taraf\u0131ndan a\u00e7\u0131klanan verilere g\u00f6re, bireysel kredi veya kredi kart\u0131 borcundan<\/p>\n","protected":false},"author":1,"featured_media":3876,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-3875","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spor"],"_links":{"self":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/posts\/3875","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3875"}],"version-history":[{"count":0,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/posts\/3875\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/media\/3876"}],"wp:attachment":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3875"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3875"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3875"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}