{"id":45965,"date":"2016-06-21T23:30:44","date_gmt":"2016-06-21T20:30:44","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=45965"},"modified":"2016-06-22T08:43:01","modified_gmt":"2016-06-22T05:43:01","slug":"hadi-kos-kredi-al","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/hadi-kos-kredi-al\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Hadi ko\u015f kredi al"},"content":{"rendered":"<p><em><strong>Merkez Bankas\u0131 faizleri yar\u0131m puan daha d\u00fc\u015f\u00fcrd\u00fc; koro bir a\u011f\u0131zdan ba\u011f\u0131rmaya ba\u015flad\u0131. Kredi maliyetleri olumlu etkilenecek, herkes yat\u0131r\u0131m yapacak. Reel getirinin s\u0131f\u0131r noktas\u0131nda oldu\u011fu, piyasada kimsenin Merkez\u2019in faiz oran\u0131n\u0131 umursamad\u0131\u011f\u0131, tasarruf kaynakl\u0131 mevduatlarla de\u011fil, bor\u00e7 parayla kredi da\u011f\u0131t\u0131ld\u0131\u011f\u0131 bu foto\u011fraf\u0131 ortaya koymaktan s\u0131k\u0131ld\u0131m.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1218058486\"><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>&nbsp;<\/p>\n<p>Fakat koro ayn\u0131 h\u0131zla ve ayn\u0131 tela\u015fla g\u00f6revine devam ettik\u00e7e dile getirmemek de olmuyor. \u00c7\u00fcnk\u00fc bu kafayla birilerinin can\u0131n\u0131 daha yakacaklar. Vatanda\u015f a\u00e7\u0131s\u0131ndan bakt\u0131\u011f\u0131n\u0131zda kredi kullanacak yeri kalmam\u0131\u015f; herkes bor\u00e7 bata\u011f\u0131nda.<\/p>\n<p>&nbsp;<\/p>\n<p>Bankalar cephesinden bakt\u0131\u011f\u0131n\u0131zda art\u0131k kredi vermekten imtina ediyorlar. Reklam\u0131 bol da, sorgulamaya gelince hepsi korku dolu dakikalar ya\u015f\u0131yor. \u00c7\u00fcnk\u00fc bundan sonra verilen kredilerin b\u00fcy\u00fck \u00f6l\u00e7\u00fcde geri d\u00f6nmeme ihtimalinin fark\u0131ndalar.<\/p>\n<p>&nbsp;<\/p>\n<p>Esnaf deseniz zaten ticari kredi kullanamad\u0131\u011f\u0131 i\u00e7in kredi kartlar\u0131na, bireysel kredilere ve ihtiya\u00e7 kredilerine y\u00fcklenip, bat\u0131k noktaya gelmi\u015f. En kritik noktadaki de \u015firketler, sanayiciler\u2026<\/p>\n<p>&nbsp;<\/p>\n<p>Ekonomi Bakan\u0131 Nihat Zeybek\u00e7i \u015f\u00f6yle diyor: \u201cKredi maliyetlerindeki azal\u0131\u015f, reel sekt\u00f6r\u00fcn finansmana eri\u015fimini kolayla\u015ft\u0131racak ve ekonomimizin canlanmas\u0131na \u00f6nc\u00fcl\u00fck edecektir.\u201d<\/p>\n<p>&nbsp;<\/p>\n<p>Peki, neden tehlikeli? T\u00fcketim ve s\u0131cak para \u00fczerinden ekonomi b\u00fcy\u00fctmekten ba\u015fka bir \u015fey bilmeyen bu \u00f6z\u00fcrl\u00fc politik yakla\u015f\u0131m, ne yaz\u0131k ki \u015fu kritik s\u00fcre\u00e7te insanlara daha \u00e7ok yat\u0131r\u0131m yapmas\u0131n\u0131n co\u015fkusunu vermeye \u00e7al\u0131\u015f\u0131yor.<\/p>\n<p>&nbsp;<\/p>\n<p>Bu a\u00e7\u0131klanan faiz oranlar\u0131n\u0131n hi\u00e7bir \u00f6nemi olmad\u0131\u011f\u0131n\u0131 s\u00f6ylemi\u015ftim. Diyelim ki yat\u0131r\u0131ma niyetlendim ve bankaya ba\u015fvurup kredi almak istedim. \u00d6ncelikle elimdeki projeyle hi\u00e7 kimse ilgilenmeyece\u011fi i\u00e7in mal m\u00fclk derdine d\u00fc\u015feceklerdir. Tatmin olurlarsa da en az y\u00fczde 17-20 diliminden faizle bana kredi sunacaklard\u0131r.<\/p>\n<p>&nbsp;<\/p>\n<p>Yine diyelim ki \u00e7ok \u015fansl\u0131y\u0131m ve finansmana ula\u015ft\u0131m. Ne yapaca\u011f\u0131m? Yeni bir makine mi alaca\u011f\u0131m, yeni fabrika m\u0131 kuraca\u011f\u0131m? Bakan\u2019\u0131n kast etti\u011fi hangi hareketi yaparsam ekonominin canlanmas\u0131n\u0131 sa\u011flar\u0131m?<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3146118446\"><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>&nbsp;<\/p>\n<p>\u015eu an T\u00fcrkiye\u2019de alacak \/verecek zinciri k\u0131r\u0131lm\u0131\u015fken, hangi \u00f6deme plan\u0131 \u00fczerinden g\u00fcvenle kullanabilir sanayici bu krediyi? Hadi paray\u0131 da ald\u0131; ne yapacak? Fabrikas\u0131na yeni yat\u0131r\u0131m m\u0131? Zaten dolmayan ve at\u0131l kalan bir kapasite ger\u00e7e\u011fi ortadayken, dolduramayaca\u011f\u0131 yeni kapasitelere ihtiyac\u0131 var m\u0131?<\/p>\n<p>&nbsp;<\/p>\n<p>\u0130hracat pazarlar\u0131 tamamen kapanm\u0131\u015f, i\u00e7 pazar ithalata teslim edilmi\u015fken hangi gerek\u00e7eyle yat\u0131r\u0131m yapacak? \u015e\u00f6yle d\u00fc\u015f\u00fcn\u00fcn. Bankadan kredi \u00e7ekip, hi\u00e7 m\u00fc\u015fterisi olmayan 5 y\u0131ld\u0131zl\u0131 bir otel dikmek, sizi zengin eder mi?<\/p>\n<p>&nbsp;<\/p>\n<p>Bakt\u0131\u011f\u0131n\u0131zda yat\u0131r\u0131m yapm\u0131\u015f ve bir otel sahibi olmu\u015f olursunuz, ama m\u00fc\u015fteri gelmedi\u011fi s\u00fcrece o otel size zenginlik de\u011fil, dert getirir. T\u00fcrkiye\u2019de \u015fu an yat\u0131r\u0131m \u00e7a\u011fr\u0131s\u0131 da ayn\u0131 bu \u00f6rnekteki gibi.<\/p>\n<p>&nbsp;<\/p>\n<p>Pazarlar\u0131n tamam\u0131 kapanm\u0131\u015fken, satamayaca\u011f\u0131n\u0131z mal\u0131 \u00fcretmenin, hatta daha \u00e7ok \u00fcretebilme kabiliyeti i\u00e7in kredi kullan\u0131p, yat\u0131r\u0131m yapman\u0131n mant\u0131\u011f\u0131 var m\u0131? Zor bir s\u00fcrece giriyoruz ve ayakta kalacak her birey de, firma da T\u00fcrkiye i\u00e7in k\u0131ymetli.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4006322447\"><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>&nbsp;<\/p>\n<p>Y\u0131llard\u0131r bir palavran\u0131n pe\u015finden ba\u015far\u0131l\u0131 ekonomi s\u00f6ylemleri i\u00e7inde \u00fclkeyi bu hale getirenlerin dolduru\u015funa gelmeyin. Hesap, kitap yap\u0131n. \u00c7\u00fcnk\u00fc size tavsiyelerde bulunanlar\u0131n hi\u00e7 bilmedi\u011fi, ama sanayici olarak sizin \u00e7ok iyi bildi\u011finiz konu bu. Gerisi faturas\u0131 a\u011f\u0131r bir laf-\u0131 g\u00fczaf.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Merkez Bankas\u0131 faizleri yar\u0131m puan daha d\u00fc\u015f\u00fcrd\u00fc; koro bir a\u011f\u0131zdan ba\u011f\u0131rmaya ba\u015flad\u0131. Kredi maliyetleri olumlu etkilenecek, herkes yat\u0131r\u0131m yapacak. Reel getirinin s\u0131f\u0131r noktas\u0131nda oldu\u011fu, piyasada&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"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-45965","post","type-post","status-publish","format-standard","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\/45965","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=45965"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/45965\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=45965"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=45965"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=45965"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}