{"id":19821,"date":"2012-09-19T15:51:54","date_gmt":"2012-09-19T13:51:54","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=19821"},"modified":"2012-09-19T15:52:01","modified_gmt":"2012-09-19T13:52:01","slug":"dusus-sirasi-kredi-faizinde","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/dusus-sirasi-kredi-faizinde\/","title":{"rendered":"D\u00fc\u015f\u00fc\u015f S\u0131ras\u0131 Kredi Faizinde"},"content":{"rendered":"<p>Avrupa ve ABD merkez bankalar\u0131ndan sonra parasal geni\u015fleme konusunda bizim merkez bankam\u0131z da tavr\u0131n\u0131 ortaya koydu.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2640509312\"><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 Merkez Bankas\u0131 d\u00fcn faiz koridorunu, \u00fcst bant\u0131 indirim yoluyla daraltmaya karar verdi. \u0130lk hamlede faiz 1.5 puan d\u00fc\u015f\u00fcr\u00fcld\u00fc. Bankalar faiz koridorunun \u00fcst s\u0131n\u0131r\u0131n\u0131 baz alarak kredilerin maliyetini hesapl\u0131yor. Y\u00fczde 11.5 \u00fcst banta kar\u015f\u0131l\u0131k kredi faizleri \u00e7e\u015fitlerine g\u00f6re y\u00fczde 12.3 -17.7 aras\u0131nda de\u011fi\u015fiyor. Ortalama olarak ticari krediler y\u00fczde 14.50, konut kredileri y\u00fczde 12.31, ta\u015f\u0131t kredileri y\u00fczde 15.53 ve nakit krediler y\u00fczde 1 7.73 faizden veriliyor. Rakamlar temmuz sonu itibar\u0131yla ge\u00e7erli.<\/p>\n<p>\u25a0 Merkez Bankas\u0131 faiz koridoru yerine zorunlu kar\u015f\u0131l\u0131klar\u0131 daha \u00e7ok kullanmaya ba\u015flad\u0131. ROK de\u011fi\u015fikli\u011fi ile TL zorunlu kar\u015f\u0131l\u0131klar\u0131n d\u00f6vizle tutulan k\u0131sm\u0131 art\u0131rd\u0131. Bu yolla Merkez Bankas\u0131 kendisine 3.6 milyar dolar daha rezerv kazand\u0131r\u0131rken bu kadar TL likiditeyi piyasaya b\u0131rakacak, yerine d\u00f6viz likiditesini \u00e7ekecek. Bu da TL faizlerin daha gev\u015femesine, d\u00f6viz kurlar\u0131n\u0131n d\u00fc\u015fmemesine destek olabilir.<\/p>\n<p>\u25a0 \u0130ki karar\u0131 ile Merkez Bankas\u0131 kredi faizlerinin d\u00fc\u015fmesi s\u00fcrecini ba\u015flatt\u0131 ama bunun i\u00e7in verilen destek de zay\u0131f. G\u00fc\u00e7l\u00fc diyemiyoruz, \u00e7\u00fcnk\u00fc faiz koridorunun \u00fcst s\u0131n\u0131r\u0131nda yap\u0131lan 1.5 puanl\u0131k indirimin aynen kredi faizlerine yans\u0131mas\u0131 zor. Bunun bir nedeni faiz koridorunun anlam\u0131n\u0131 iyice yitirmi\u015f olmas\u0131. Temmuz ay\u0131nda indirim yap\u0131lm\u0131\u015f olsayd\u0131 hemen hemen ayn\u0131 oranda kredi faizlerine yans\u0131ma ger\u00e7ekle\u015febilirdi. \u015eimdi ise zor.<\/p>\n<p>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <a href=\"http:\/\/www.bloomberght.com\/ht-yazarlar\/abdurrahman-yildirim\/1214667-dusus-sirasi-kredi-faizinde\" target=\"_blank\" data-wpel-link=\"external\" rel=\"nofollow external noopener\"><strong>TIKLAYINIZ.<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avrupa ve ABD merkez bankalar\u0131ndan sonra parasal geni\u015fleme konusunda bizim merkez bankam\u0131z da tavr\u0131n\u0131 ortaya koydu. \u25a0 Merkez Bankas\u0131 d\u00fcn faiz koridorunu, \u00fcst bant\u0131 indirim&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-19821","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\/19821","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=19821"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/19821\/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=19821"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=19821"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=19821"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}