{"id":927,"date":"2023-07-31T22:18:29","date_gmt":"2023-07-31T19:18:29","guid":{"rendered":"https:\/\/egemhabertv.com\/?p=927"},"modified":"2023-07-31T22:18:29","modified_gmt":"2023-07-31T19:18:29","slug":"bddkdan-onemli-karar-kredi-kartiyla-taksitli-harcamalara-sinirlama","status":"publish","type":"post","link":"https:\/\/egemhabertv.com\/?p=927","title":{"rendered":"BDDK’dan \u00f6nemli karar! Kredi kart\u0131yla taksitli harcamalara s\u0131n\u0131rlama"},"content":{"rendered":"

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Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), finansal istikrar\u0131 destekleyici ad\u0131mlar att\u0131.<\/p>\n

BDDK’den yap\u0131lan a\u00e7\u0131klamaya g\u00f6re, Kurul’un bug\u00fcnk\u00fc toplant\u0131s\u0131nda, Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Hakk\u0131nda Y\u00f6netmeli\u011fi’nin 26. maddesinin 7. f\u0131kras\u0131 uyar\u0131nca, 11 Ocak 2019 tarihli ve 8198 say\u0131l\u0131 Kurul karar\u0131 ile belirlenen kredi kartlar\u0131nda taksitlendirme s\u00fcrelerinin; hava yollar\u0131, seyahat acenteleri ve konaklama ile ilgili yurt d\u0131\u015f\u0131na ili\u015fkin harcamalarda uygulanmamas\u0131na ve s\u00f6z konusu harcamalarda taksitlendirme yap\u0131lmamas\u0131na karar verildi.<\/p>\n

Kurul’un yine bug\u00fcnk\u00fc toplant\u0131s\u0131nda, Bankalar\u0131n Sermaye Yeterlili\u011finin \u00d6l\u00e7\u00fclmesine ve De\u011ferlendirilmesine \u0130li\u015fkin Y\u00f6netmelik uyar\u0131nca sermaye yeterlili\u011fi standart oranlar\u0131n\u0131n hesaplamas\u0131nda; ihtiya\u00e7 kredilerinin (kredili mevduat hesaplar\u0131 dahil), bireysel kredi kartlar\u0131n\u0131n (kredi kart\u0131 harcamalar\u0131 ve nakit \u00e7ekimleri dahil), t\u00fcketicilere kulland\u0131r\u0131lacak binek ara\u00e7 edinimi ama\u00e7l\u0131 ta\u015f\u0131t kredileri ile ta\u015f\u0131t teminatl\u0131 kredilerin ve t\u00fcketiciler ile yap\u0131lacak finansal kiralama i\u015flemlerinin risk a\u011f\u0131rl\u0131klar\u0131n\u0131n Standart Yakla\u015f\u0131m\u0131n kullan\u0131lmas\u0131 durumunda y\u00fczde 150 olarak uygulanmas\u0131na, \u0130\u00e7sel Derecelendirmeye Dayal\u0131 (\u0130DD) Yakla\u015f\u0131mlar\u0131n kullan\u0131lmas\u0131 durumunda Standart Yakla\u015f\u0131m kullan\u0131lmas\u0131 durumunda s\u00f6z konusu alacaklara uygulanacak risk a\u011f\u0131rl\u0131klar\u0131 ile y\u00fczde 150 risk a\u011f\u0131rl\u0131\u011f\u0131n\u0131n kar\u015f\u0131la\u015ft\u0131r\u0131lmas\u0131 sonucu hesaplanacak art\u0131\u015f oranlar\u0131n\u0131n; \u0130DD Yakla\u015f\u0131mlar\u0131 uyar\u0131nca hesaplanan risk a\u011f\u0131rl\u0131klar\u0131na uygulanarak artt\u0131r\u0131lmas\u0131 \u015feklinde uygulanmas\u0131 karar\u0131 al\u0131nd\u0131.<\/p>\n

Bu krediler i\u00e7in kredi riskine esas tutar hesaplamas\u0131nda kredi riski azalt\u0131m tekniklerinin kullan\u0131lmamas\u0131na, bahse konu y\u00fcksek risk a\u011f\u0131rl\u0131klar\u0131n\u0131n bu karar\u0131n al\u0131nd\u0131\u011f\u0131 tarihten sonra kulland\u0131r\u0131lan yeni krediler i\u00e7in uygulanmas\u0131na, 1 Temmuz 2021 tarihli ve 9645 say\u0131l\u0131 Kurul Karar\u0131 ile 21 Ekim 2022 tarih ve 10388 say\u0131l\u0131 Kurul karar\u0131n\u0131n bireysel kredi kartlar\u0131 ve ihtiya\u00e7 kredileri i\u00e7in belirlenen risk a\u011f\u0131rl\u0131klar\u0131 a\u00e7\u0131s\u0131ndan m\u00fclga olmas\u0131na, bu karar kapsam\u0131ndaki y\u00fcksek risk a\u011f\u0131rl\u0131klar\u0131n\u0131n 23 \u015eubat 2023 tarih ve 10524 say\u0131l\u0131 Kurul Karar\u0131nda bahsi ge\u00e7en Genel Hayata Etkili Afet B\u00f6lgesi ilan edilen yerlerde yerle\u015fik ger\u00e7ek ki\u015filere kulland\u0131r\u0131lan krediler bak\u0131m\u0131ndan 1 Ocak 2024’e kadar uygulanmamas\u0131na karar verildi.<\/p>\n

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

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[ad_1] Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), finansal istikrar\u0131 destekleyici ad\u0131mlar att\u0131. BDDK’den yap\u0131lan a\u00e7\u0131klamaya<\/p>\n","protected":false},"author":1,"featured_media":928,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-927","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\/927","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=927"}],"version-history":[{"count":0,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/posts\/927\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/media\/928"}],"wp:attachment":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=927"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=927"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=927"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}