{"id":46879,"date":"2016-09-21T22:40:54","date_gmt":"2016-09-21T19:40:54","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=46879"},"modified":"2016-09-21T22:40:54","modified_gmt":"2016-09-21T19:40:54","slug":"cetin-unsalan-kredi-karti-alt-limit-bilmecesi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-kredi-karti-alt-limit-bilmecesi\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Kredi kart\u0131 alt limit bilmecesi  \u00a0"},"content":{"rendered":"<p><em><strong>Ekonomi Koordinasyon Kurulu toplant\u0131s\u0131n\u0131n ard\u0131ndan Ba\u015fbakan Binali Y\u0131ld\u0131r\u0131m\u2019\u0131n yapt\u0131\u011f\u0131 a\u00e7\u0131klamalar \u00f6nemliydi. Taksit s\u0131n\u0131rlamas\u0131n\u0131n geni\u015fletilmesinden, kredi vadelerin uzat\u0131lmas\u0131na kadar geni\u015f bir yelpazede bir tak\u0131m \u00f6nlemler a\u00e7\u0131kland\u0131.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4028967962\"><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>Ayr\u0131ca g\u0131da enflasyonunun y\u00fcksek \u00e7\u0131kmas\u0131ndan b\u0131k\u0131lm\u0131\u015f olacak ki, g\u0131da komitesi yeniden yap\u0131land\u0131r\u0131l\u0131yor ve \u00f6nlem al\u0131naca\u011f\u0131 belirtiliyor. Bunlar\u0131n hepsi bir kenara, sokaktaki insanlar\u0131n bir \u015feyler yap\u0131lmas\u0131na ihtiya\u00e7 duyuldu\u011fu a\u00e7\u0131k.<\/p>\n<p>A\u00e7\u0131klanan gelir da\u011f\u0131l\u0131m\u0131 anketinde ilk y\u00fczde 20 ile son y\u00fczde 20 aras\u0131nda a\u00e7\u0131lan fark ve n\u00fcfusun ilk 20\u2019sinin, \u00fclkede \u00fcretilen kaynaklar\u0131n y\u00fczde 46,5\u2019ine sahip olmas\u0131n\u0131n b\u00fcy\u00fck bir gelir da\u011f\u0131l\u0131m\u0131 s\u0131k\u0131nt\u0131s\u0131 oldu\u011funun kan\u0131t\u0131 niteli\u011finde.<\/p>\n<p>Hepsini alt alta koydu\u011funuzda belki de sokaktaki insan\u0131n itiraz edece\u011fi bir \u015fey yok. Ama bankac\u0131lar bu maliyetleri \u00fcstlenebilecek mi; insanlar bu yap\u0131land\u0131rma neticesinde uzayan vadelere ilave edilecekle sonu\u00e7ta ne kadar fazla \u00f6deyecekler; kredi kart\u0131 ile g\u0131da taksidi ger\u00e7ekten \u00e7\u00f6z\u00fcm m\u00fcd\u00fcr; tart\u0131\u015f\u0131l\u0131r.<\/p>\n<p>Anla\u015f\u0131lan o ki, para basman\u0131n bir yolunu kredi vadelerini artt\u0131r\u0131p, taksit say\u0131s\u0131n\u0131 geni\u015fleterek bulmu\u015f bir yap\u0131 ile kar\u015f\u0131 kar\u015f\u0131yay\u0131z. Yani sonu\u00e7ta kar\u015f\u0131l\u0131ks\u0131z para kullanma esas\u0131na dayal\u0131 sistemin ortadan kald\u0131r\u0131lmas\u0131na ili\u015fkin tek bir madde yok. G\u0131da enflasyonuna gelince k\u00e2\u011f\u0131t \u00fczerindeki kurgunun hi\u00e7bir anlam ifade etmedi\u011fini tekrar hat\u0131rlatmama san\u0131r\u0131m gerek yok.<\/p>\n<p>K\u00e2\u011f\u0131t \u00fczerinde ger\u00e7ek olmayan bir enflasyonu d\u00fc\u015f\u00fck olarak tutturmak m\u00fcmk\u00fcn, ama sonu\u00e7ta bu da zam d\u00f6neminde insanlar\u0131n gelirine olumsuz etki yapaca\u011f\u0131ndan yine bir k\u0131s\u0131r d\u00f6ng\u00fc i\u00e7erisinde bulursunuz kendinizi.<\/p>\n<p>T\u00fcm bu a\u00e7\u0131klamalar\u0131n i\u00e7inde sat\u0131r aras\u0131nda kalan, ama hepsinden ilgin\u00e7 olan ise kredi kart\u0131 alt limitiydi. \u00a0\u00c7\u00fcnk\u00fc taksit say\u0131s\u0131 yine de t\u00fcketicinin inisiyatifinde bir konu. Ama kredi kart\u0131 alt limitini hangi kriterlerle 5 bin 200 TL yap\u0131yoruz; bunu anlamad\u0131m.<\/p>\n<p>\u00dclkede asgari \u00fccret bin 300 TL oldu\u011funa, kanunlarda t\u00fcm bankac\u0131l\u0131k sisteminden kullan\u0131labilecek kredi limitinin gelirin iki kat\u0131n\u0131 ge\u00e7emeyece\u011fine ili\u015fkin d\u00fczenlemesi varl\u0131\u011f\u0131n\u0131 korudu\u011funa, asgari \u00fccretle ge\u00e7inenlerin \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fcn cebinde de kredi kart\u0131 oldu\u011funa g\u00f6re bu i\u015fin i\u00e7inden nas\u0131l \u00e7\u0131kaca\u011f\u0131z?<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3971987067\"><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>En fazla 2 bin 600 TL sistemden kredi kullanabilecek bir ki\u015fi, tek kalemde kredi kart\u0131ndan gelirinin d\u00f6rt kat\u0131 limite hangi gerek\u00e7eyle ula\u015facak? Bankalar buna uyum sa\u011flayacak m\u0131? Kritik soru bu. Ho\u015f bug\u00fcne kadar nas\u0131l verdiler; o da ayr\u0131 tart\u0131\u015fma konusu; ama ko\u015fullar de\u011fi\u015fti.<\/p>\n<p>E\u011fer uyum sa\u011flarsa, kredi kriterlerini alt \u00fcst ederek riski \u00fcstlenecek, uyum sa\u011flamazsa da ekonominin ger\u00e7eklerini ve sorunlar\u0131n\u0131 \u00f6telemesini engelleyecek. Bu haliyle de iktidar\u0131n \u015fim\u015feklerini \u00fczerine \u00e7ekecek.<\/p>\n<p>\u00d6zetle bu kararlar vatanda\u015f\u0131n bor\u00e7 bata\u011f\u0131ndaki sorununu g\u00f6r\u00fcp, ge\u00e7imini sa\u011flayacak bir \u00e7\u00f6z\u00fcm pe\u015finde ko\u015fmak de\u011fildir. Merkez Bankas\u0131\u2019n\u0131n matbaas\u0131n\u0131 \u00e7al\u0131\u015ft\u0131rmadan, bankalar \u00fczerinden kritersiz para basma hedefidir. Sonu\u00e7 mu? T\u00fcnelden gelen \u0131\u015f\u0131k, t\u00fcnelin sonu de\u011fil.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2399229263\"><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","protected":false},"excerpt":{"rendered":"<p>Ekonomi Koordinasyon Kurulu toplant\u0131s\u0131n\u0131n ard\u0131ndan Ba\u015fbakan Binali Y\u0131ld\u0131r\u0131m\u2019\u0131n yapt\u0131\u011f\u0131 a\u00e7\u0131klamalar \u00f6nemliydi. Taksit s\u0131n\u0131rlamas\u0131n\u0131n geni\u015fletilmesinden, kredi vadelerin uzat\u0131lmas\u0131na kadar geni\u015f bir yelpazede bir tak\u0131m \u00f6nlemler a\u00e7\u0131kland\u0131.&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-46879","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\/46879","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=46879"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/46879\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=46879"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=46879"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=46879"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}