{"id":18750,"date":"2012-08-17T12:53:28","date_gmt":"2012-08-17T10:53:28","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=18750"},"modified":"2012-08-17T12:53:42","modified_gmt":"2012-08-17T10:53:42","slug":"faizler-dusuyor-kredi-haric","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/faizler-dusuyor-kredi-haric\/","title":{"rendered":"Faizler D\u00fc\u015f\u00fcyor, Kredi Hari\u00e7"},"content":{"rendered":"<p>Merkez Bankas\u0131 a\u011fustos ay\u0131 faiz karar\u0131n\u0131 a\u00e7\u0131klad\u0131. Oranlarda bir de\u011fi\u015fikli\u011fe gitmedi. Ama &#8220;\u00f6n\u00fcm\u00fczdeki d\u00f6nemde faiz koridorunun kademeli olarak daralt\u0131labilece\u011fini ifade ederek&#8221; eyl\u00fcl ay\u0131 i\u00e7in randevu verdi. Bu durum, piyasalar taraf\u0131nda fiyatlanmaya ba\u015flad\u0131 ve faiz oranlar\u0131 geriledi.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-406962959\"><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>\u25a0 Hazine g\u00f6sterge faizi \u00f6nceki g\u00fcne g\u00f6re yar\u0131m puan gerileyerek y\u00fczde 7.75&#8217;e indi. Hazine faizi may\u0131s sonunda y\u00fczde 9.84&#8217;ten d\u00fc\u015f\u00fc\u015fe ge\u00e7mi\u015f ve 3 A\u011fustos&#8217;a kadar iki ay boyunca devaml\u0131 bir ini\u015fle y\u00fczde 7.47&#8217;ye gerilemi\u015fti.<\/p>\n<p>\u25a0 Merkez Bankas\u0131&#8217;n\u0131n fonlama faizini son aylarda a\u015fa\u011f\u0131 \u00e7ekmesi genel bir faiz indirimine zemin haz\u0131rlad\u0131. Fonlama faizinin ortalamas\u0131 may\u0131sta y\u00fczde 9.75 iken haziranda y\u00fczde 9.15&#8217;e, temmuzda y\u00fczde 8.05&#8217;e ve a\u011fustosun ilk yar\u0131s\u0131nda y\u00fczde 6.97&#8217;ye \u00e7ekildi. B\u00f6ylece son \u00fc\u00e7 ayda fonlama faizinde 3 puanl\u0131k d\u00fc\u015f\u00fc\u015f ger\u00e7ekle\u015fti.<\/p>\n<p>\u25a0 Bankalar da mevduat faizlerini indirmeyi h\u0131zland\u0131rd\u0131. 10 b\u00fcy\u00fck mevduat bankas\u0131n\u0131n faizi temmuz sonunda y\u00fczde 9.84 d\u00fczeyinde iken d\u00fcn y\u00fczde 9.50&#8217;ye indi. B\u00fcy\u00fck bankalar\u0131n t\u00fcm\u00fcn\u00fcn 100 bin lira ve \u00fcst\u00fc mevduata \u00fc\u00e7 ayl\u0131k vadede verdi\u011fi faiz y\u00fczde 10 &#8216;un alt\u0131na indi. Mevduat faizlerinin ortalamas\u0131 haziran sonunda y\u00fczde 10.22 seviyesindeydi.<\/p>\n<p>\u25a0 Buna kar\u015f\u0131l\u0131k kredi faizlerinde pek de\u011fi\u015fiklik yok. Bankalar y\u00fczde 14&#8217;ten kredi kulland\u0131r\u0131yor. \u00c7\u00fcnk\u00fc kredi faizini belirleyen de Merkez Bankas\u0131&#8217;n\u0131n faiz koridorunun \u00fcst s\u0131n\u0131r\u0131. Yani normal fonlama d\u0131\u015f\u0131nda paraya ihtiyac\u0131 olanlara uygulanan faiz y\u00fczde 11.5. \u00dczerine masraf ve komisyonlar eklendi\u011finde ortaya kredi faiz oran\u0131 \u00e7\u0131k\u0131yor. Merkez Bankas\u0131 koridorun \u00fcst s\u0131n\u0131r\u0131n\u0131 d\u00fc\u015f\u00fcrmeyerek bankalar\u0131 y\u00f6nlendiriyor.<\/p>\n<p>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <strong><a href=\"http:\/\/www.bloomberght.com\/ht-yazarlar\/abdurrahman-yildirim\/1199565-faizler-dusuyor-kredi-haric\" target=\"_blank\" data-wpel-link=\"external\" rel=\"nofollow external noopener\">TIKLAYINIZ.<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Merkez Bankas\u0131 a\u011fustos ay\u0131 faiz karar\u0131n\u0131 a\u00e7\u0131klad\u0131. Oranlarda bir de\u011fi\u015fikli\u011fe gitmedi. Ama &#8220;\u00f6n\u00fcm\u00fczdeki d\u00f6nemde faiz koridorunun kademeli olarak daralt\u0131labilece\u011fini ifade ederek&#8221; eyl\u00fcl ay\u0131 i\u00e7in randevu&hellip;<\/p>\n","protected":false},"author":994,"featured_media":12631,"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-18750","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\/18750","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\/994"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=18750"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/18750\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/12631"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=18750"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=18750"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=18750"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}