{"id":31773,"date":"2014-03-14T07:31:08","date_gmt":"2014-03-14T05:31:08","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=31773"},"modified":"2014-03-14T08:26:18","modified_gmt":"2014-03-14T06:26:18","slug":"faizler-kac-demistiniz","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/faizler-kac-demistiniz\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Faizler ka\u00e7 demi\u015ftiniz?"},"content":{"rendered":"<p><em><strong><span style=\"line-height: 1.5em;\">T\u00fcrkiye\u2019de faiz oranlar\u0131 eski y\u0131llara g\u00f6re geriledi. Her ne kadar d\u00fcn 4,5 y\u0131l\u0131n zirvesine \u00e7\u0131k\u0131p g\u00f6sterge tahvilin bile\u015fik faizi y\u00fczde 11,75 olsa da, eskiye g\u00f6re rakam baz\u0131nda az. Fakat bor\u00e7lu iseniz durum pek \u00f6yle olmuyor.<\/span><\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2475110197\"><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>Gelirin giderin \u00e7ok alt\u0131nda art\u0131\u015f kaydetti\u011fi \u00fclkemizde, \u00fcretimin y\u0131llarca g\u00f6z ard\u0131 edilmi\u015f olmas\u0131, hamasetten \u00f6teye gidilemeyen bak\u0131\u015f a\u00e7\u0131s\u0131, \u00fclkede \u00fcreteni \u00fcretti\u011fine pi\u015fman eder bir noktaya getirdi.<\/p>\n<p>T\u00fcketecekseniz para bol da, i\u015f yapacaksan\u0131z emdi\u011finiz s\u00fct burnunuzdan geliyor. Ho\u015f art\u0131k t\u00fcketim i\u00e7in de paran\u0131n bol olmad\u0131\u011f\u0131, riskin artt\u0131\u011f\u0131 bu nedenle de farkl\u0131 enstr\u00fcmanlar\u0131n devreye girdi\u011fi bir s\u00fcre\u00e7teyiz. \u00c7ok fazla rakamlarla bo\u011fmayaca\u011f\u0131m sizi\u2026<\/p>\n<p>Ama bir \u00f6rnek var ki \u00f6n\u00fcm\u00fczde her \u015feyi \u00f6zetliyor. Tarla en g\u00fczel teminat\u2026 Belki \u00fcretim yapmak i\u00e7in de\u011fil, ama bina dikmek i\u00e7in \u00f6yle\u2026 Zaten buna g\u00fcvenen bankalar da \u00e7ift\u00e7iyi y\u0131llard\u0131r s\u0131k\u0131\u015ft\u0131\u011f\u0131 anda, \u00f6l\u00fcmc\u00fcl \u015fartlar\u0131n alt\u0131na imza att\u0131rarak bor\u00e7land\u0131rd\u0131lar. \u00dclkede neredeyse ipotekli olmayan trakt\u00f6r ya da tarla yok.<\/p>\n<p>Son \u00f6rnek Bolu\u2019nun Mudurnu il\u00e7esine ba\u011fl\u0131 Ye\u011fenderesi k\u00f6y\u00fcnden geldi. Sebahattin \u00c7evik, 2009 y\u0131l\u0131nda e\u015fi ad\u0131na 7 bin 500 TL kredi ald\u0131. \u00d6demesini yapamad\u0131\u2026 Ne kadar olmu\u015ftur borcu 5 y\u0131lda dersiniz? Tam 78 bin 125 TL\u2026 \u0130tiraz edildi, rakam 41 bin TL\u2019ye d\u00fc\u015ft\u00fc?<\/p>\n<p>\u0130\u015fte hayat\u0131n ger\u00e7e\u011fi\u2026 Hadi y\u00fczde ka\u00e7 faiz var siz hesap edin. Ziraat Bankas\u0131 havuza para toplay\u0131p, limitsiz kredilere konu olaca\u011f\u0131na ya da ORA\u2019daki gibi yanda\u015fa bat\u0131k kredi verece\u011fine \u00e7ift\u00e7i ile ilgilenseydi, \u00e7ift\u00e7i de \u00f6zel bankalar\u0131n pen\u00e7esine d\u00fc\u015fmeyecekti.<\/p>\n<p>Bu s\u0131rf tar\u0131mda m\u0131 b\u00f6yle? T\u00fcrkiye\u2019deki vatanda\u015f ekonomisinin berbatl\u0131\u011f\u0131 nedeniyle ihtiya\u00e7tan al\u0131nan krediler ya da kredi kart\u0131 harcamalar\u0131n h\u0131zla s\u0131k\u0131nt\u0131l\u0131 duruma d\u00fc\u015ft\u00fc\u011f\u00fc a\u00e7\u0131k. Fakat bankalar bunlar\u0131 da devrediyor varl\u0131k y\u00f6netim \u015firketlerine, sicili temizleyip, ayn\u0131 insanlara bir daha kredi satman\u0131n u\u011fra\u015f\u0131s\u0131n\u0131 veriyor.<\/p>\n<p>En ufak bir dalgalanmada verdikleri kredileri vadesinden \u00f6nce \u00e7a\u011f\u0131rma yoluna gidiyorlar. 2008 krizinde bunun \u00f6rneklerini, t\u0131pk\u0131 2001\u2019de oldu\u011fu gibi \u00e7ok ya\u015fad\u0131k. Peki burada su\u00e7 kimin?<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1976984923\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"3167340272\"\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>\u0130ktidar\u0131n ba\u015f\u0131 faiz lobisi deyip duruyor. Ama 10 y\u0131ll\u0131k ekonomi politikalar\u0131n\u0131 yol arkada\u015fl\u0131klar\u0131 \u00fczerine kurduklar\u0131n\u0131, hatta kanunlara ra\u011fmen finans kesiminin hukuksuzlu\u011funa g\u00f6z yumduklar\u0131n\u0131 anlatm\u0131yor.<\/p>\n<p>\u015eimdi kavga m\u0131 ediyorlar zannediyorsunuz. Para bitti a\u015fk bitti cinsinden bir s\u0131k\u0131nt\u0131 s\u00f6z konusu ama, iktidar halen taviz vermeye devam ediyor. T\u00fcrkiye Bankalar Birli\u011fi Ba\u015fkan\u0131 H\u00fcseyin Ayd\u0131n, daha yeni a\u00e7\u0131klad\u0131 bankalar lehine d\u00fczenlemelerin yolda oldu\u011funu\u2026<\/p>\n<p>Son t\u00fcketici kanunu da elde edilmi\u015f haklar\u0131 bankalar lehine \u00e7evirecek d\u00fczenlemelere imza atmad\u0131 m\u0131? Buna ra\u011fmen T\u00dc\u0130K\u2019e g\u00f6re T\u00fcrk Halk\u0131\u2019n\u0131n y\u00fczde 54\u2019\u00fc mutlu\u2026 T\u0131pk\u0131 faizlerin d\u00fc\u015f\u00fck oldu\u011fu kadar ger\u00e7ek bir tespit bu.<\/p>\n<p>\u00c7\u00fcnk\u00fc bu \u015fartlar alt\u0131nda insana mutlu denmez. F\u0131kradaki gibi, herkes zil tak\u0131p oynuyor diye yorumlan\u0131r. Ne demi\u015fti bu tav\u0131r kar\u015f\u0131s\u0131nda padi\u015fah: Derhal vergileri d\u00fc\u015f\u00fcr\u00fcn. Yani tehlike s\u0131n\u0131r\u0131 a\u015fm\u0131\u015f vaziyette. Elbette ger\u00e7ekten okumak isteyene\u2026<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4264621151\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"1818807385\"\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>cetinunsalan@yahoo.com<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye\u2019de faiz oranlar\u0131 eski y\u0131llara g\u00f6re geriledi. Her ne kadar d\u00fcn 4,5 y\u0131l\u0131n zirvesine \u00e7\u0131k\u0131p g\u00f6sterge tahvilin bile\u015fik faizi y\u00fczde 11,75 olsa da, eskiye g\u00f6re&hellip;<\/p>\n","protected":false},"author":5,"featured_media":14653,"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":[904,808,801],"class_list":["post-31773","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar","tag-cetin-unsalan-yazilari","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/31773","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\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=31773"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/31773\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/14653"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=31773"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=31773"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=31773"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}