{"id":57307,"date":"2019-04-26T08:49:46","date_gmt":"2019-04-26T05:49:46","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=57307"},"modified":"2019-04-26T08:49:48","modified_gmt":"2019-04-26T05:49:48","slug":"faiz-duser-mi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/faiz-duser-mi\/","title":{"rendered":"Faiz d\u00fc\u015fer mi?"},"content":{"rendered":"<p>&#8211; wp:paragraph &#8211;><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3718623179\"><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>Merkez Bankas\u0131\u2019n\u0131n faizi sabit b\u0131rak\u0131p, \u2018ek s\u0131k\u0131la\u015ft\u0131rma\u2019 yap\u0131labilece\u011fi ibaresini kald\u0131rmas\u0131yla birlikte ortal\u0131kta tekrar faiz tart\u0131\u015fmas\u0131 d\u00f6nmeye ba\u015flad\u0131. Piyasadan yans\u0131yan yorumlara bakt\u0131\u011f\u0131n\u0131zda, bunun faiz d\u00fc\u015f\u00fc\u015f\u00fcn\u00fc erkene \u00e7ekebilece\u011fine dair bir emare olarak alg\u0131land\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>\u015e\u00fcphesiz bu vurguyla birlikte de dolar yeniden TL\u2019ye kar\u015f\u0131 yukar\u0131 y\u00f6nl\u00fc<br \/>\nhareket kazanmaya ba\u015flad\u0131. \u00d6ncelikle do\u011fru soru bu mu? Bence konu\u015fu analiz<br \/>\nederken meseleye buradan bakmamak laz\u0131m. <\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Do\u011fru sorunun Merkez Bankas\u0131\u2019n\u0131n faizde indirime gidip gitmeyece\u011fi,<br \/>\ndaha do\u011frusu b\u00f6yle bir olana\u011f\u0131 olup olmad\u0131\u011f\u0131 noktas\u0131nda odaklanmas\u0131 gerekir.<br \/>\n\u0130ktidar\u0131n faizlerde d\u00fc\u015f\u00fc\u015f istedi\u011fini biliyoruz. D\u00fcz mant\u0131kla bakarsan\u0131z, reel<br \/>\nsekt\u00f6r\u00fcn bu faiz oranlar\u0131yla kredi kullanamayaca\u011f\u0131n\u0131n da fark\u0131nda olmak<br \/>\ngerekir.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4076718409\"><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>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Peki ama kredi faizleri Merkez Bankas\u0131 nezdinde d\u00fc\u015ferse, paran\u0131n<br \/>\nmaliyeti azalacak m\u0131? Verilen de\u011fil, bankalar taraf\u0131ndan al\u0131nan paran\u0131n<br \/>\nmaliyetinden bahsediyorum. Yurtd\u0131\u015f\u0131ndan kullan\u0131lan sendikasyonun maliyeti<br \/>\nazalmayaca\u011f\u0131na g\u00f6re, \u00f6ncelikle resmi faizde bir d\u00fc\u015f\u00fc\u015fe ge\u00e7ilse bile bunun reel<br \/>\nsekt\u00f6r\u00fcn krediye ula\u015fmas\u0131n\u0131 sa\u011flamas\u0131 g\u00fc\u00e7.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2761759491\"><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>&#8211; wp:paragraph &#8211;><\/p>\n<p>Ekonomi y\u00f6netimi \u00e7\u0131lg\u0131nl\u0131k yap\u0131p kamu bankalar\u0131n\u0131 devreye sokabilir ki,<br \/>\nbu da daha b\u00fcy\u00fck g\u00f6rev zararlar\u0131 ve artan risk puan\u0131 demektir. Mevcut yap\u0131s\u0131yla<br \/>\nbunu nereye kadar g\u00f6t\u00fcrecekleri b\u00fcy\u00fck bir bilmece&#8230;<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Ayr\u0131ca faizi t\u00fcm bunlara ra\u011fmen d\u00fc\u015f\u00fcrseniz, ortaya \u00e7\u0131kacak a\u015f\u0131r\u0131<br \/>\ny\u00fckselmi\u015f dolar maliyetiyle reel sekt\u00f6r\u00fcn i\u015f yapabilme kabiliyetini de b\u00fcy\u00fck<br \/>\n\u00f6l\u00e7\u00fcde kesersiniz. Zira \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fcn dolar bor\u00e7lusu oldu\u011funu biliyoruz.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Peki piyasada bir hareketlenme olur mu? Kredi al\u0131p, \u00fcretmeniz bir anlam<br \/>\nta\u015f\u0131m\u0131yor. \u00dcretti\u011finizin sat\u0131lmas\u0131 gerekir. D\u00fcnya ekonomisindeki ko\u015fullara<br \/>\nbakt\u0131\u011f\u0131n\u0131zda da kazan\u00e7 sa\u011flayarak bunu yapabilmeniz olanakl\u0131 g\u00f6z\u00fckm\u00fcyor. Kar<br \/>\nmarjlar\u0131n\u0131n bu kadar d\u00fc\u015ft\u00fc\u011f\u00fc bir ortamda da daha fazla y\u00fck al\u0131nmas\u0131 zor.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Elbette inat edip faizi a\u015fa\u011f\u0131 \u00e7ekebilirsiniz. Fakat reel sekt\u00f6rden<br \/>\neldeki gayrimenkulleri ucuzlat\u0131p satmay\u0131 kast etmiyorsan\u0131z bir i\u015fe yaramaz.<br \/>\nUcuzlayan gayrimenkul de hara\u00e7 mezat gider. O y\u00fczden ben Merkez Bankas\u0131\u2019n\u0131n ve<br \/>\niktidar\u0131n k\u0131sa s\u00fcre i\u00e7inde bir faiz d\u00fc\u015f\u00fc\u015f\u00fcne gitmesini zor buluyorum. Yaparsa<br \/>\nda intihar olur.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Daha temelde faizi d\u00fc\u015f\u00fcrmek i\u00e7in, ekonominin sa\u011fl\u0131kl\u0131 hale gelmesini,<br \/>\nenflasyonunun dizginlenmesini, \u00fcreten, \u00fcretti\u011fini satan ve cebine para koyan<br \/>\nbir ekonominin yarat\u0131lmas\u0131n\u0131 sa\u011flamak gerekir.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Yani tar\u0131mdaki \u00fcretimi halletmeden tanzim \u00e7ad\u0131r\u0131 a\u00e7arak fiyatlar\u0131 nas\u0131l<br \/>\nd\u00fc\u015f\u00fcremediysek, sadece faizi d\u00fc\u015f\u00fcr\u00fcp ekonomik s\u0131k\u0131nt\u0131y\u0131 da a\u015famay\u0131z. Zira bu<br \/>\nhalde faiz d\u00fc\u015f\u00fcr\u00fcrseniz, dolar \u00e7\u0131kar. \u00c7\u0131kan dolar enflasyonu k\u00f6r\u00fckler. Y\u00fckselen<br \/>\nenflasyon da yeniden faiz art\u0131\u015f\u0131n\u0131 zorunlu hale getirir.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>E\u011fer bir \u00e7\u0131lg\u0131nl\u0131k pe\u015finde de\u011filseniz bunu yapmazsan\u0131z. Ama bir ihtimal<br \/>\ndaha var. Belki de finans piyasalar\u0131 buna oynay\u0131p, bu alg\u0131 \u00fczerinden dolar<br \/>\nkazanc\u0131 elde etmenin pe\u015fine d\u00fc\u015fm\u00fc\u015ft\u00fcr. Olamaz m\u0131? Bir d\u00fc\u015f\u00fcn\u00fcn derim.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p><strong><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/strong><\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8211; wp:paragraph &#8211;> Merkez Bankas\u0131\u2019n\u0131n faizi sabit b\u0131rak\u0131p, \u2018ek s\u0131k\u0131la\u015ft\u0131rma\u2019 yap\u0131labilece\u011fi ibaresini kald\u0131rmas\u0131yla birlikte ortal\u0131kta tekrar faiz tart\u0131\u015fmas\u0131 d\u00f6nmeye ba\u015flad\u0131. Piyasadan yans\u0131yan yorumlara bakt\u0131\u011f\u0131n\u0131zda, bunun&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"closed","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-57307","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\/57307","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=57307"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/57307\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=57307"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=57307"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=57307"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}