<\/p>\n
H\u00fck\u00fcmet darbe giri\u015fiminin ekonomiye olan etkisini azaltmak i\u00e7in yine i\u00e7 t\u00fcketime sar\u0131ld\u0131. Y\u0131l\u0131n ilk \u00e7eyre\u011finde y\u00fczde 4.7 b\u00fcy\u00fcyen T\u00fcrkiye ekonomisindeki b\u00fcy\u00fcme ikinci \u00e7eyrekte y\u00fczde 3.1\u2019de kal\u0131nca i\u00e7 t\u00fcketimi canland\u0131rma ad\u0131mlar\u0131 daha da \u00f6nem kazand\u0131. Keza i\u00e7 t\u00fcketimde y\u0131l\u0131n ikinci \u00e7eyre\u011finde \u00f6nemli bir d\u00fc\u015f\u00fc\u015f oldu\u011fu da g\u00f6r\u00fcld\u00fc. Asgari \u00fccretin y\u0131lba\u015f\u0131nda bin 300 liraya \u00e7\u0131kmas\u0131n\u0131n etkisiyle harcamas\u0131n\u0131 art\u0131ran vatanda\u015f ikinci \u00e7eyrekte ise bu kez frene bast\u0131. Vatanda\u015f\u0131n harcamas\u0131n\u0131n ilk \u00e7eyrekte y\u00fczde 6.4\u2019ten y\u00fczde 3.1\u2019e d\u00fc\u015fmesi, 1.6 puan d\u00fc\u015fen b\u00fcy\u00fcmenin 1.5 puan\u0131n\u0131n nedeni oldu. \u0130\u015fte ekonomi y\u00f6netimi de bu durumu g\u00f6z \u00f6n\u00fcne alarak 2013\u2019te cari a\u00e7\u0131\u011f\u0131n y\u00fckselmesi nedeniyle ald\u0131\u011f\u0131 ekonomiyi so\u011futma \u00f6nlemlerini tekrar g\u00f6zden ge\u00e7irme karar\u0131 ald\u0131. Ge\u00e7en hafta Ba\u015fbakan Yard\u0131mc\u0131s\u0131 Nurettin Canikli\u2019nin a\u00e7\u0131klad\u0131\u011f\u0131 ince ayar s\u00f6ylemi ile g\u00f6zler en \u00f6nemli harcama arac\u0131 olan kredi kartlar\u0131na \u00e7evrildi. \u015eimdi g\u00f6zler 2013\u2019te 9 taksit tavan\u0131 konulan kredi kart\u0131 s\u0131n\u0131r\u0131n\u0131n ne kadar gev\u015fetilece\u011fine \u00e7evrildi.<\/p>\n
33.1 M\u0130LYAR L\u0130RAYA D\u00dc\u015eT\u00dc<\/strong><\/p>\n Kredi kart\u0131na taksit s\u0131n\u0131r\u0131 konulmas\u0131n\u0131n ard\u0131nda \u00f6zellikle cep telefonu, mobilya ve beyaz e\u015fyada 24 ay\u0131 ge\u00e7en taksitler 9 aya d\u00fc\u015f\u00fcnce 48.2 milyar lira olan taksitli kredi kart\u0131 harcamas\u0131 15 milyar lira gerileyerek 1 y\u0131l sonra 33.1 milyar liraya kadar indi. Ayn\u0131 d\u00fczenleme ile alt\u0131n ve cep telefonunda ise taksit tamamen yasaklanm\u0131\u015ft\u0131. Kredi kart\u0131na bu sert frenin ard\u0131ndan uzun s\u00fcre taksitli kredi kart\u0131 harcamas\u0131 32-33 milyar s\u0131n\u0131r\u0131nda kald\u0131. Aradan 1 y\u0131l ge\u00e7tikten sonra alt\u0131n i\u00e7in 4 taksit olana\u011f\u0131 getirildi. 2 y\u0131l ge\u00e7tikten sonra 2015\u2019in sonunda kartta k\u0131smi bir gev\u015femeye gidildi. \u00d6zellikle sekt\u00f6rlerin bask\u0131s\u0131 ile beyaz e\u015fya, mobilya ve e\u011fitim harcamalar\u0131nda taksitlendirme s\u0131n\u0131r\u0131 9 aydan 12\u2019ye \u00e7\u0131kar\u0131ld\u0131. Telekom\u00fcnikasyon, yemek, g\u0131da ve akaryak\u0131t harcamalar\u0131nda taksit yap\u0131lamayaca\u011f\u0131 h\u00fckm\u00fc aynen korundu.<\/p>\n L\u0130M\u0130T DE \u00d6NEML\u0130<\/strong><\/p>\n 15 milyar liral\u0131k ek harcama olup olmayaca\u011f\u0131 ayn\u0131 zamanda kredi kart\u0131 limitlerine de ba\u011fl\u0131. T\u00fcrkiye Bankalar Birli\u011fi (TBB) Risk Merkezi b\u00fcltenine g\u00f6re kredi kart\u0131 limiti bin lira ile 2 bin 500 lira aras\u0131nda olan dar gelirliler bu limitlerinin y\u00fczde 44.5\u2019ini dolduruyor. Bin lira limiti olan kartlar\u0131n doluluk oran\u0131 y\u00fczde 39.7 civar\u0131nda. \u0130lgin\u00e7 olan bir ba\u015fka geli\u015fme, limiti 100 bin liran\u0131n \u00fcst\u00fcnde olan zenginlerin de kart limitinin y\u00fczde 37.4\u2019\u00fcn\u00fc harcamalar\u0131. Limiti en az kullananlar kredi kart\u0131 limiti 25 bin ile 50 bin aras\u0131nda olanlar.<\/p>\n 22.1 M\u0130LYON KRED\u0130 KARTI SAH\u0130B\u0130 VAR<\/strong><\/p>\n Alt\u0131n ve di\u011fer \u00fc\u00e7 sekt\u00f6rde taksit s\u0131n\u0131r\u0131n\u0131n gev\u015femesi ile Nisan 2015\u2019te 32.1 milyar liraya kadar inen taksitli kredi kart\u0131 harcamas\u0131 Temmuz 2016\u2019da 36.2 milyar liraya kadar \u00e7\u0131kt\u0131. T\u00fcrkiye\u2019de halen 22.1 milyon ki\u015finin kredi kart\u0131 bulunuyor. Kredi kart\u0131 say\u0131s\u0131 ise 59 milyonu a\u015ft\u0131. 36.2 milyar liral\u0131k taksitli kredi kart\u0131 borcu her bir ki\u015finin bin 638 liral\u0131k borcu olundu\u011funu ortaya koyuyor. \u00d6nlemler al\u0131nmadan \u00f6nce her bir kart sahibi 2 bin 180 lira borca sahipti. Bu rakam 1 y\u0131l i\u00e7inde bin 497 liraya kadar indi. 1 y\u0131lda kart ile yap\u0131lan harcama ki\u015fi ba\u015f\u0131 683 lira azald\u0131. \u015eimdi \u00f6nlemler geri al\u0131n\u0131rsa en az bu rakam kadar yani 15 milyar lira, ki\u015fi ba\u015f\u0131na ise 683 liral\u0131k ek harcama yap\u0131labilecek.<\/p>\n","protected":false},"excerpt":{"rendered":" Bloomberght – Ekonomi y\u00f6netiminin ald\u0131\u011f\u0131 kredi kart\u0131 taksit tavan\u0131n\u0131 gev\u015fetme \u00f6nlemi 15 milyar liral\u0131k ek harcamay\u0131 beraberinde getirecek<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"views":826,"_links":{"self":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/1380"}],"collection":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/comments?post=1380"}],"version-history":[{"count":1,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/1380\/revisions"}],"predecessor-version":[{"id":1381,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/1380\/revisions\/1381"}],"wp:attachment":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/media?parent=1380"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/categories?post=1380"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/tags?post=1380"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}