Finansg\u00fcndem – Kredi b\u00fcy\u00fcme h\u0131z\u0131na BDDK freni<\/p>\n
BDDK’n\u0131n ge\u00e7en y\u0131l y\u00fcr\u00fcrl\u00fc\u011fe giren kredi kullan\u0131m\u0131na y\u00f6nelik d\u00fczenlemelerinin ard\u0131ndan kredi hacmindeki b\u00fcy\u00fcme h\u0131z\u0131 yava\u015flad\u0131
\nBankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu’nun (BDDK), 2013 y\u0131l\u0131n\u0131n sonunda y\u00fcr\u00fcrl\u00fc\u011fe giren kredi kullan\u0131m\u0131na y\u00f6nelik d\u00fczenlemelerinin ard\u0131ndan ge\u00e7en y\u0131l kredi b\u00fcy\u00fcme h\u0131z\u0131nda \u00f6nemli oranda yava\u015flama g\u00f6r\u00fcld\u00fc.<\/p>\n
BDDK verilerinden derlenilen bilgilere g\u00f6re, kredi hacmi 2013 y\u0131l\u0131 sonunda bir \u00f6nceki y\u0131l sonuna g\u00f6re y\u00fczde 32 art\u0131\u015fla 1 trilyon 47 milyar lira olurken, d\u00fczenlemelerin y\u00fcr\u00fcrl\u00fc\u011fe girdi\u011fi ge\u00e7en y\u0131l, bir \u00f6nceki y\u0131la g\u00f6re b\u00fcy\u00fcme h\u0131z\u0131 y\u00fczde 18’e geriledi ve kredi hacmi 1 trilyon 241 milyar liraya \u00e7\u0131kt\u0131.<\/p>\n
T\u00fcketici kredilerinin alt kalemlerine bak\u0131ld\u0131\u011f\u0131nda da konut ve ihtiya\u00e7 kredilerinin b\u00fcy\u00fcme h\u0131zlar\u0131nda da ciddi yava\u015flama ya\u015fand\u0131, ta\u015f\u0131t kredisi hacminde ise daralma g\u00f6r\u00fcld\u00fc.<\/p>\n
Konut kredisi hacmi, 2013 y\u0131l\u0131nda bir \u00f6nceki y\u0131l sonuna g\u00f6re y\u00fczde 29 b\u00fcy\u00fcmesine kar\u015f\u0131n, 2014 y\u0131l\u0131nda 2013’e g\u00f6re y\u00fczde 14 b\u00fcy\u00fcd\u00fc ve 125,4 milyar lira olarak hesapland\u0131.<\/p>\n
2013 y\u0131l\u0131nda 2012 y\u0131l\u0131na k\u0131yasla y\u00fczde 29 art\u0131\u015f g\u00f6steren ihtiya\u00e7 kredisinin b\u00fcy\u00fcme h\u0131z\u0131 da 2014 sonunda bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 15 d\u00fczeyinde kald\u0131. Ge\u00e7en y\u0131l ihtiya\u00e7 kredisi hacmi 149,3 milyar liraya ula\u015ft\u0131.<\/p>\n
BDDK d\u00fczenlemeleri geride kalan bir y\u0131lda en fazla ta\u015f\u0131t kredilerini etkiledi. Ta\u015f\u0131t kredi hacmi, 2013 y\u0131l\u0131nda bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 6 artmas\u0131na kar\u015f\u0131n, ge\u00e7en y\u0131l bir \u00f6nceki y\u0131la oranla y\u00fczde 20 daralarak 6,8 milyar liraya geriledi.<\/p>\n
Taksitli kart alacak tutar\u0131 y\u00fczde 29 azald\u0131\u00a0<\/strong><\/p>\n Ge\u00e7en y\u0131l y\u00fcr\u00fcrl\u00fc\u011fe giren ve kredi kart\u0131 ile yap\u0131lan al\u0131\u015fveri\u015flere 9 taksit s\u0131n\u0131rlamas\u0131 getiren d\u00fczenleme de bankalar\u0131n taksitli kart alacak tutar\u0131n\u0131 \u00f6nemli oranda d\u00fc\u015f\u00fcrd\u00fc.<\/p>\n 2012 ve 2013 y\u0131llar\u0131 k\u0131yasland\u0131\u011f\u0131nda s\u00f6z konusu d\u00f6nemde y\u00fczde 24 artan bankalar\u0131n taksitli kredi kart\u0131 alacak tutar\u0131 ge\u00e7en y\u0131l, bir \u00f6nceki y\u0131la oranla y\u00fczde 29 azalarak 33,5 milyar liraya geriledi.<\/p>\n Taksitsiz kredi kart\u0131 alacak tutar\u0131 ise 2014 y\u0131l\u0131nda bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 12 artarak 40,6 milyar liraya \u00e7\u0131kt\u0131.<\/p>\n D\u00fczenlemeler ne getirdi?\u00a0<\/strong><\/p>\n Resmi Gazete’de 2013 y\u0131l\u0131 sonunda yay\u0131mlanarak y\u00fcr\u00fcrl\u00fc\u011fe giren d\u00fczenlemelere g\u00f6re, konut kredileri i\u00e7in kulland\u0131r\u0131lacak kredinin konutun de\u011ferinin y\u00fczde 75’ini ge\u00e7emeyece\u011fi \u015fart\u0131 getirilmi\u015fti.<\/p>\n Ge\u00e7en y\u0131l\u0131n \u015fubat ay\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe giren d\u00fczenlemeler kapsam\u0131nda ise nihai fatura de\u011feri 50 bin liran\u0131n alt\u0131nda olan binek ta\u015f\u0131tlar i\u00e7in kulland\u0131r\u0131lacak kredi tutar\u0131n\u0131n, ta\u015f\u0131t\u0131n nihai fatura de\u011ferinin y\u00fczde 70’ini ge\u00e7emeyece\u011fi h\u00fckme ba\u011fland\u0131. S\u00f6z konusu oran nihai fatura de\u011feri 50 liray\u0131 a\u015fan binek ara\u00e7larda, bedelin 50 bin liraya kadar olan k\u0131sm\u0131 i\u00e7in y\u00fczde 70, 50 bin liran\u0131n \u00fcst\u00fcnde olan k\u0131s\u0131m i\u00e7in y\u00fczde 50 olarak belirlenmi\u015fti.<\/p>\n Ayr\u0131ca ta\u015f\u0131t kredilerinin vadesi 48 ay ile s\u0131n\u0131rland\u0131r\u0131l\u0131rken, t\u00fcketici kredileri i\u00e7in azami vade s\u00fcresi 36 ay ile s\u0131n\u0131rl\u0131 tutulmu\u015ftu.<\/p>\n Kredi kart\u0131 ile yap\u0131lan al\u0131\u015fveri\u015flerde ise mal veya hizmet al\u0131m\u0131 sonras\u0131 belli bir \u00fccret kar\u015f\u0131l\u0131\u011f\u0131 borcun taksitlendirilmesi veya \u00f6demenin ertelendi\u011fi d\u00f6nemler de dahil olmak \u00fczere, kredi kartlar\u0131 ile ger\u00e7ekle\u015ftirilecek mal ve hizmet al\u0131mlar\u0131 ile nakit \u00e7ekimlerinde taksitlendirme s\u00fcresinin 9 ay\u0131 ge\u00e7emeyece\u011fi h\u00fckme ba\u011flanm\u0131\u015ft\u0131.<\/p>\n