{"id":58630,"date":"2019-07-21T14:25:58","date_gmt":"2019-07-21T11:25:58","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=58630"},"modified":"2019-07-21T14:00:07","modified_gmt":"2019-07-21T11:00:07","slug":"faiz-indirim-coskusu","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/faiz-indirim-coskusu\/","title":{"rendered":"Faiz indirim co\u015fkusu"},"content":{"rendered":"<p>&#8211; wp:paragraph &#8211;><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-623259235\"><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>Bu hafta Merkez Bankas\u0131 Para Politikas\u0131 Kurulu toplant\u0131s\u0131 var. Yeni ba\u015fkan Murat Uysal\u2019\u0131n ilk kez ba\u015fkanl\u0131k yapaca\u011f\u0131 toplant\u0131da faiz indirimine kesin g\u00f6z\u00fcyle bak\u0131l\u0131yor. Beklentiler 2 ile 4 puan aras\u0131nda de\u011fi\u015firken faiz indirimini destekleyen \u00f6nemli fakt\u00f6rler de bir araya gelmi\u015f bulunuyor.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Piyasalarda faiz iyimserli\u011fi devam s\u00fcr\u00fcyor. ABD (Fed) ve Avrupa Merkez bankalar\u0131nda beklenti a\u015famas\u0131nda ama G.Kore, Endonezya, G.Afrika ve \u015eili gibi T\u00fcrkiye\u2019nin de yer ald\u0131\u011f\u0131 geli\u015fen \u00fclke merkez bankalar\u0131 ge\u00e7en hafta faiz indirimlerine gittiler. 25 Temmuz\u2019da T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131\u2019ndan da faiz indirimi bekleniyor. Beklentiler 2 ile 4 puan aras\u0131nda de\u011fi\u015fiyor. Ge\u00e7en yaz\u0131lar\u0131m\u0131zda da vurgu yapt\u0131\u011f\u0131m\u0131z \u00fczere faiz indirimini destekleyen baz\u0131 \u00f6nemli fakt\u00f6rler bir araya gelmi\u015f durumda. D\u0131\u015f d\u00fcnyadaki faiz indirim trendi, enflasyon ile merkez bankas\u0131 faiz oran\u0131 aras\u0131ndaki fark\u0131n olduk\u00e7a a\u00e7\u0131lmas\u0131, k\u00fc\u00e7\u00fclen ekonomiye canl\u0131l\u0131k kazand\u0131rmak gibi etkenler faiz d\u00fc\u015f\u00fc\u015f\u00fcn\u00fc gerekli k\u0131l\u0131yor.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Merkezi y\u00f6netim b\u00fct\u00e7e a\u00e7\u0131\u011f\u0131 ocak-haziran d\u00f6nemi 78 milyar TL olarak a\u00e7\u0131kland\u0131. 80 milyar TL\u2019lik 2019 y\u0131l\u0131 a\u00e7\u0131k hedefine ula\u015f\u0131ld\u0131 say\u0131l\u0131r. Ger\u00e7i merkez bankas\u0131 yedek ak\u00e7e aktar\u0131m\u0131 ile bu rakam d\u00fc\u015febilir. Giderlerdeki art\u0131\u015f d\u0131\u015f\u0131nda gelir kalemlerinde dahas\u0131 vergi gelirlerinde ciddi bir yava\u015flama var. Vergi indirimlerinin de etkisini dikkate almak gerekecek. Vergi gelirlerinde ana kalemin dolayl\u0131 vergi (KDV, \u00d6TV) oldu\u011funu dikkate al\u0131rsak ayr\u0131ca ekonomideki s\u0131k\u0131nt\u0131lar nedeniyle tahsilat zorluklar\u0131n\u0131 da eklersek ekonomik aktiviteye bir can suyu vermek gereklili\u011fi ortaya \u00e7\u0131kar. Ayr\u0131ca bankalardaki kredi b\u00fcy\u00fcmesi dururken takipteki sorunlu kredilerdeki art\u0131\u015f s\u00fcr\u00fcyor. 5 Temmuz itibariyle bankac\u0131l\u0131k sekt\u00f6r\u00fc takipteki krediler tutar\u0131 116 milyar TL\u2019ye ula\u015ft\u0131. K\u00fc\u00e7\u00fclen ekonomide bor\u00e7 \u00f6demek zordur.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-512537191\"><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:heading {&#8220;level&#8221;:4} &#8211;><\/p>\n<h4><strong>\u0130VME KAZANDIRAB\u0130L\u0130R<\/strong><\/h4>\n<p>&#8211; \/wp:heading &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-168591846\"><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>Ge\u00e7en hafta a\u00e7\u0131klanan verilere g\u00f6re, haziran ay\u0131nda konut sat\u0131\u015flar\u0131 bir \u00f6nceki y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re y\u00fczde 48.6 azalarak 61.355 seviyesine kadar geriledi. Son zamanlar\u0131n en d\u00fc\u015f\u00fck sat\u0131\u015f rakam\u0131. Otomotiv sekt\u00f6r\u00fcnde de durum \u00e7ok farkl\u0131 de\u011fil. Faiz d\u00fc\u015f\u00fc\u015f\u00fc ba\u015fta bankac\u0131l\u0131k olmak \u00fczere in\u015faat, otomobil, beyaz e\u015fya gibi lokomotif sekt\u00f6rlere ivme kazand\u0131rmak ad\u0131na ilk akla gelen hamlelerden biri. Faiz d\u00fc\u015fer ekonomide ivme artarsa zaman i\u00e7inde bu defa gerileyen cari a\u00e7\u0131k ve talep art\u0131\u015f\u0131yla ile enflasyonda y\u00fckseli\u015f g\u00f6r\u00fclebilir. Ayr\u0131ca sert bir faiz d\u00fc\u015f\u00fc\u015f\u00fc ger\u00e7ekle\u015firse d\u00f6viz kurlar\u0131nda art\u0131\u015f\u0131n yan\u0131 s\u0131ra tahvil bonoda k\u00e2r sat\u0131\u015flar\u0131 olas\u0131d\u0131r. Ancak art\u0131 ve eksilerini de\u011ferlendirdi\u011fimizde bu d\u00f6nem i\u00e7in faiz d\u00fc\u015f\u00fc\u015f\u00fcn\u00fcn gerek\u00e7eleri daha sa\u011flam duruyor. Y\u00fcksek faizin maliyeti daha a\u011f\u0131r. B\u00fct\u00e7e a\u00e7\u0131\u011f\u0131n\u0131 ve y\u00fczde y\u00fcz\u00fcn \u00e7ok \u00fczerinde seyreden i\u00e7 bor\u00e7 \u00e7evirme oranlar\u0131n\u0131 dikkate ald\u0131\u011f\u0131m\u0131zda kamu bor\u00e7lanma gere\u011fi olduk\u00e7a y\u00fcksek. Bu faiz indirim seviyesini s\u0131n\u0131rlayacak bir durum. T\u00fcrkiye y\u00fcksek faizin de cazibesini kullanarak d\u00fc\u015fen kredi notu ve y\u00fcksek CDS oranlar\u0131na (risk primi) ra\u011fmen bor\u00e7lanmada sorun ya\u015famad\u0131. Faizdeki d\u00fc\u015f\u00fc\u015f bu y\u00f6nde bir zafiyet olu\u015fturur mu, gard\u0131n\u0131 zay\u0131flat\u0131r m\u0131 bunu zaman i\u00e7inde g\u00f6rece\u011fiz.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p><a href=\"http:\/\/bit.ly\/pb-borfin-temel-analiz-1\" rel=\"external nofollow noopener\" data-wpel-link=\"external\" target=\"_blank\"><span style=\"color: #3366ff;font-weight:bold;\">TEMEL ANAL\u0130Z \u0130LE NASIL H\u0130SSE SE\u00c7\u0130L\u0130R? UZMANINDAN HEMEN \u00d6\u011eRENMEYE BA\u015eLA!<\/span><\/a><\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:heading {&#8220;level&#8221;:6} &#8211;><\/p>\n<h6>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <a href=\"http:\/\/www.hurriyet.com.tr\/yazarlar\/zeynel-balci\/faiz-indirim-coskusu-41279946\" target=\"_blank\" rel=\"noreferrer noopener nofollow external\" aria-label=\"TIKLAYINIZ (yeni sekmede a\u00e7\u0131l\u0131r)\" data-wpel-link=\"external\">TIKLAYINIZ<\/a>.<\/h6>\n<p>&#8211; \/wp:heading &#8211;><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8211; wp:paragraph &#8211;> Bu hafta Merkez Bankas\u0131 Para Politikas\u0131 Kurulu toplant\u0131s\u0131 var. Yeni ba\u015fkan Murat Uysal\u2019\u0131n ilk kez ba\u015fkanl\u0131k yapaca\u011f\u0131 toplant\u0131da faiz indirimine kesin g\u00f6z\u00fcyle&hellip;<\/p>\n","protected":false},"author":3947,"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":[808,801,2191],"class_list":["post-58630","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi","tag-zeynel-balci-yazilari"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/58630","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\/3947"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=58630"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/58630\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=58630"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=58630"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=58630"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}