Finansg\u00fcndem – Kredi faizleri 1 puan y\u00fckseldi<\/p>\n
Bir\u00e7ok banka kredi faizlerini 0.5-1 puan aras\u0131nda art\u0131rd\u0131. \u201c\u0130nce ayar\u201dla faiz oranlar\u0131 y\u00fczde 13’\u00fcn \u00fczerine \u00e7\u0131kt\u0131<\/p>\n
Piyasada kredi faizlerinin yakla\u015f\u0131k son 10-15 g\u00fcnl\u00fck s\u00fcre\u00e7te yar\u0131m puan ile 1 puan aras\u0131nda y\u00fckseldi\u011fi \u00f6\u011frenildi. Artan enflasyon ve kur \u00fczerine gelen se\u00e7im belirsizlikleri hem mevduatta hem de kredi cephesinde faize ince ayar getirdi. Bankac\u0131lar, piyasada her bankan\u0131n farkl\u0131 bir karakter g\u00f6sterdi\u011fini kamu- \u00f6zel, b\u00fcy\u00fck-orta \u00f6l\u00e7ekli banka fark\u0131n\u0131n iyice ayr\u0131\u015ft\u0131\u011f\u0131 bir tablonun olu\u015ftu\u011funu aktard\u0131lar. Baz\u0131 bankac\u0131lar, \u201cKredi faizi ile mevduat faizi aras\u0131ndaki makas hi\u00e7 bu kadar daralmam\u0131\u015ft\u0131\u201d derken baz\u0131 bankac\u0131lar \u201cKredi faizinden y\u00fcksek mevduat faizi veren bankalar var\u201d yorumunu yapt\u0131.<\/p>\n
D\u00fcnya\u2019n\u0131n edindi\u011fi bilgiye g\u00f6re orta \u00f6l\u00e7ekli bankalar aras\u0131nda piyasa ortalamas\u0131nda mevduat cephesinde y\u00fczde 10-10.5 civar\u0131nda seyreden faizler y\u00fczde 11-11.5\u2019a y\u00fckseldi. Bu oran baz\u0131 b\u00fcy\u00fck bankalarda ise eski piyasa ortalamas\u0131na geldi. Piyasa geneline bak\u0131ld\u0131\u011f\u0131nda mevduat taraf\u0131nda b\u00fcy\u00fck bankalar daha \u00e7ok \u2018gev\u015feme hi\u00e7 yok\u2019 yorumunu yap\u0131yor. Ama mevduat taraf\u0131nda farkl\u0131 i\u015ftah g\u00f6steren bankalarda var. Piyasan\u0131n \u2018gen\u00e7\u2019 bir oyuncusunun ise mevduat pazar\u0131nda m\u00fc\u015fterilerine swap yaparak y\u00fczde 11.5\u2019lar yerine y\u00fczde 13.5 getirileri telaff uz etti\u011fi belirtiliyor.<\/p>\n
Kredi cephesinde de ortan\u0131n \u00fcst\u00fc bir KOB\u0130\u2019nin kulland\u0131\u011f\u0131 bor\u00e7lu cari hesapta faiz oranlar\u0131n\u0131n ortalama y\u00fczde 11-11.5 d\u00fczeyinden, y\u00fczde 12-12.5\u2019lara geldi\u011fi \u00f6\u011frenildi. Bu oran \u00e7ok b\u00fcy\u00fck bankalar ile baz\u0131 kamu bankalar\u0131nda daha d\u00fc\u015f\u00fck seyretti\u011fi ifade ediliyor. Bu bankalarda art\u0131\u015f\u0131n da daha \u00e7ok 0.50-0.75 baz puanla s\u0131n\u0131rl\u0131 kald\u0131\u011f\u0131 kaydediliyor. Hatta piyasada bir kamu bankas\u0131n\u0131n kredi faizinden y\u00fcksek mevduat faizi verdi\u011fi bilgisi de payla\u015f\u0131ld\u0131. Piyasada ortalama bir bankada ortalama bir i\u015fletme i\u00e7in duyulan en y\u00fcksek kredi oran\u0131 ise y\u00fczde 13\u2019ler civar\u0131nda oldu.<\/p>\n
\u0130htiya\u00e7 kredilerinde ise faiz ticari taraftan daha h\u0131zl\u0131 artm\u0131\u015f g\u00f6r\u00fcn\u00fcyor. Kredi kart\u0131 limitlerinin k\u0131s\u0131lmas\u0131 bireysel tarafta borcu bor\u00e7la \u00e7evirmeyi art\u0131rm\u0131\u015f durumda. \u0130htiya\u00e7 kredilerinde ortalama y\u0131ll\u0131k maliyet y\u00fczde 16-18\u2019lerde seyrediyor. Buna dosya masraf\u0131 ve sigorta gibi masrafl arda eklendi\u011finde giydirilmi\u015f maliyetin y\u00fczde 22\u2019ye kadar \u00e7\u0131kt\u0131\u011f\u0131 belirtiliyor.<\/p>\n
Se\u00e7im belirsizli\u011fi ve \u2018acaba\u2019lar faizi art\u0131rd\u0131<\/strong><\/p>\n Bu arada da bankalar\u0131n \u00e7ek konusunda \u00e7ok \u00e7ekimser davrand\u0131\u011f\u0131 art\u0131k 10 \u00e7ekten 8\u2019inin de\u011fil 3\u2019\u00fcn\u00fcn teminat olarak kabul etti\u011fi de ifade edildi. Buna neden olarak ise \u2018hat\u0131r\u2019 \u00e7eklerinin artmas\u0131n\u0131 g\u00f6steren bankac\u0131lar, bunun faktoring taraf\u0131nda i\u015fleri art\u0131rd\u0131\u011f\u0131n\u0131 da belirtti. Faktoring taraf\u0131nda ise ortalama faizin y\u00fczde 16- 18 civar\u0131nda oldu\u011fu da kaydedildi.<\/p>\n Kredi faizlerinin art\u0131\u015f\u0131nda ise birden \u00e7ok sebep var. Enflasyon bekleyi\u015flerinin y\u00fckselmesi, artan kur, artan fonlama maliyetleri, d\u00fc\u015f\u00fck b\u00fcy\u00fcmenin i\u015fletmeler \u00fczerinde yaratt\u0131\u011f\u0131 a\u015f\u0131nma g\u00f6sterildi. Ama en \u00e7ok ifade edilen g\u00f6r\u00fc\u015fte \u201c12 y\u0131ld\u0131r t\u0131k\u0131r t\u0131k\u0131r giden bir se\u00e7im s\u00fcrecinden sonra bu defa hep \u2018acaba\u2019lar dolu bir s\u00fcrece girdik. Bunun yaratt\u0131\u011f\u0131 belirsizlik i\u015fletmeler taraf\u0131nda farkl\u0131, bankalar taraf\u0131nda farkl\u0131 bir temkin yarat\u0131yor\u201d dedi.<\/p>\n Bankac\u0131lar, piyasada kredi faizlerinde yap\u0131lan ince ayarda herkesin \u00e7ok temkinli hareket etti\u011fini de belirtti. D\u00fcnya\u2019ya bilgi veren kaynaklar bankalar\u0131n faiz art\u0131\u015f\u0131na kar\u015f\u0131 \u00e7ok hassas ve dikkatli ad\u0131mlar att\u0131\u011f\u0131n\u0131 asl\u0131nda enflasyon, kur ve kaynak maliyetlerindeki art\u0131\u015f\u0131n daha y\u00fcksek seviyeleri i\u015faret etti\u011fini de kaydetti. Tahsili gecikmi\u015f alacaklardaki son durumu sordu\u011fumuzda ise bir bankac\u0131, \u201cSorunu hissetti\u011fimiz anda i\u015fletmenin kap\u0131s\u0131n\u0131 \u00e7al\u0131yoruz ve hemen m\u00fcdahil olup y\u00fczd\u00fcrmeye \u00e7al\u0131\u015f\u0131yoruz\u201d yorumunu yapt\u0131.<\/p>\n Merkez Bankas\u0131 verilerine g\u00f6re t\u00fczel ki\u015fi KMH ve kurumsal kredi kartlar\u0131 hari\u00e7 TL \u00fczerinden a\u00e7\u0131lan ticari kredilerde a\u011f\u0131rl\u0131kl\u0131 ortalama faiz 24 Nisan haftas\u0131nda y\u00fczde 12.2 g\u00f6z\u00fck\u00fcrken bu bir \u00f6nceki haftaya g\u00f6re sadece 35 baz puanl\u0131k bir art\u0131\u015f\u0131 ifade ediyor. Merkez Bankas\u0131\u2019nda bir hafta gecikmeli gelen verilerde ise ihtiya\u00e7 kredilerinde art\u0131\u015f 50 baz puan ve y\u00fczde 15.2 d\u00fczeyinde.<\/p>\n","protected":false},"excerpt":{"rendered":" Finansg\u00fcndem – Kredi faizleri 1 puan y\u00fckseldi Bir\u00e7ok banka kredi faizlerini 0.5-1 puan aras\u0131nda art\u0131rd\u0131. \u201c\u0130nce ayar\u201dla faiz oranlar\u0131 y\u00fczde 13’\u00fcn \u00fczerine \u00e7\u0131kt\u0131<\/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":1483,"_links":{"self":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/563"}],"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=563"}],"version-history":[{"count":1,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/563\/revisions"}],"predecessor-version":[{"id":564,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/563\/revisions\/564"}],"wp:attachment":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/media?parent=563"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/categories?post=563"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/tags?post=563"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}