{"id":1798,"date":"2011-06-21T11:00:31","date_gmt":"2011-06-21T08:00:31","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=1798"},"modified":"2011-06-21T12:01:16","modified_gmt":"2011-06-21T09:01:16","slug":"ihtiyac-kredileri-80-milyara-yaklasti-bddk-frene-basti","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/ihtiyac-kredileri-80-milyara-yaklasti-bddk-frene-basti\/","title":{"rendered":"\u0130htiya\u00e7 Kredileri 80 Milyara Yakla\u015ft\u0131, BDDK Frene Bast\u0131"},"content":{"rendered":"<p>5 ayda y\u00fczde 22 artarak 76.35 milyar liraya ula\u015fan ihtiya\u00e7 kredilerinde talebi azaltmak amac\u0131 ile, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu, ge\u00e7en hafta sonu yapt\u0131\u011f\u0131 yeni d\u00fczenleme ile, ta\u015f\u0131t ve konut kredileri d\u0131\u015f\u0131nda ki t\u00fcketici kredilerinde kar\u015f\u0131l\u0131k oranlar\u0131n\u0131\u00a0 artt\u0131rd\u0131.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2460485658\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>BDDK verilerine g\u00f6re, 10 Haziran 2011 itibar\u0131yla 200,4 milyar lira b\u00fcy\u00fckl\u00fc\u011f\u00fcnde ki bireysel kredilerin,\u00a0 153 milyar lira tutar\u0131ndaki b\u00f6l\u00fcm\u00fcn\u00fcn t\u00fcketici kredilerinden, t\u00fcketici kredilerinin ise y\u00fczde 46\u2019s\u0131n\u0131n konut kredilerinden, y\u00fczde 4\u2019\u00fcn\u00fcn ta\u015f\u0131t kredilerinden, geri kalan y\u00fczde 50\u2019sinin ise ihtiya\u00e7 kredileri ile di\u011fer t\u00fcketici kredilerinden olu\u015ftu\u011fu g\u00f6r\u00fclmekte. Genel toplamda, 153 milyar liraya yakla\u015fan t\u00fcketici kredilerinin % 50\u2019sini olu\u015fturan ihtiya\u00e7 kredilerinde \u015fu an ki uygulanan sistem\u2019de, kredilere uygulanan uzun vade ve d\u00fc\u015f\u00fck taksit uygulamas\u0131, talebin artmas\u0131nda en \u00f6nemli etken olarak g\u00f6sterilmekte.<\/p>\n<p>BDDK\u2019n\u0131n\u00a0 hane halk\u0131 gelir\u00a0 analizine g\u00f6re, toplam y\u00fck\u00fcml\u00fcl\u00fcklerin ( bor\u00e7lar\u0131n ) toplam varl\u0131klara oran\u0131nda da b\u00fcy\u00fck art\u0131\u015f g\u00f6zlenmekte. 2009 y\u0131l\u0131\u00a0 Aral\u0131k ay\u0131nda, % 29,6 seviyelerinde bulunan\u00a0 varl\u0131k \/ bor\u00e7 oran\u0131; Mart\u00a0 2011 itibari ile, % 35,1 seviyesine ula\u015fm\u0131\u015f durumda.<\/p>\n<p><span style=\"font-size: 20px;\">Hane halk\u0131n\u0131n,\u00a0 varl\u0131k \/ bor\u00e7 oran\u0131n\u0131 analiz edecek olursak, ayn\u0131 paralellikte\u00a0\u00a0 bireysel krediler \/ toplam tasarruf mevduat oran\u0131 da h\u0131zla art\u0131\u015f g\u00f6stermeye devam ediyor.\u00a0 K\u00fcresel finans krizinde, % 48 seviyelerinde olan bu oran, Nisan 2011 itibariyle % 54 seviyelerine yakla\u015fm\u0131\u015f.<\/span><\/p>\n<p>\u00d6n\u00fcm\u00fczde ki aylar\u0131 analiz edecek olursak, ekonomiyi so\u011futmak amac\u0131 ile, BDDK, ve TCMB\u2019nin mevcut tedbirlerin yeterli olmamas\u0131 durumunda, yeni \u00f6nlemleri devreye sokmas\u0131 kuvvetle muhtemel g\u00f6r\u00fclmektedir. Al\u0131nan yeni tedbirlerin, piyasalar taraf\u0131ndan nas\u0131l alg\u0131lanaca\u011f\u0131, cari i\u015flemler a\u00e7\u0131\u011f\u0131 ve b\u00fcy\u00fcme oranlar\u0131na nas\u0131l yans\u0131yaca\u011f\u0131n\u0131n cevab\u0131n\u0131 2011 y\u0131l\u0131 \u00fc\u00e7\u00fcnc\u00fc ve d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finde g\u00f6rebilece\u011fiz<strong>.<\/strong><\/p>\n<p><a href=\"http:\/\/bigyatirim.blogspot.com\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"nofollow external noopener\">http:\/\/bigyatirim.blogspot.com\/<\/a><\/p>\n<p><strong>Dr. \u0130smet DEM\u0130RKOL<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>5 ayda y\u00fczde 22 artarak 76.35 milyar liraya ula\u015fan ihtiya\u00e7 kredilerinde talebi azaltmak amac\u0131 ile, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu, ge\u00e7en hafta sonu yapt\u0131\u011f\u0131 yeni&hellip;<\/p>\n","protected":false},"author":7,"featured_media":934,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1798","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/1798","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=1798"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/1798\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/934"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=1798"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=1798"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=1798"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}