{"id":58656,"date":"2019-07-23T08:19:55","date_gmt":"2019-07-23T05:19:55","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=58656"},"modified":"2019-07-23T08:19:57","modified_gmt":"2019-07-23T05:19:57","slug":"faiz-duserse-kredi-ucuzlar-mi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/faiz-duserse-kredi-ucuzlar-mi\/","title":{"rendered":"Faiz d\u00fc\u015ferse kredi ucuzlar m\u0131?"},"content":{"rendered":"<p>&#8211; wp:paragraph &#8211;><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2625347104\"><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>25 Temmuz\u2019daki faiz toplant\u0131s\u0131na ad\u0131m ad\u0131m<br \/>\ngidilirken herkesin g\u00fcndeminde faiz d\u00fc\u015f\u00fc\u015f\u00fc var. \u00d6zellikle Merkez Bankas\u0131<br \/>\nBa\u015fkan\u0131 \u00c7etinkaya\u2019n\u0131n g\u00f6revden bu nedenle al\u0131nmas\u0131 ve faiz ile enflasyon<br \/>\naras\u0131ndaki makas\u0131n a\u00e7\u0131lmas\u0131 herkeste bir faiz d\u00fc\u015f\u00fc\u015f\u00fcne kesin g\u00f6z\u00fcyle bakma<br \/>\ne\u011filimini do\u011furuyor.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>\u00d6ncelikle \u015funun alt\u0131n\u0131 \u00e7izelim ki faiz<br \/>\noranlar\u0131n\u0131n da enflasyon oranlar\u0131n\u0131n da ka\u011f\u0131t \u00fczerinde oldu\u011funu bilmeliyiz.<br \/>\nYani ne a\u00e7\u0131klanan enflasyon t\u00fcketici ve \u00fcretici enflasyonuyla ba\u011fda\u015f\u0131yor, ne de<br \/>\na\u00e7\u0131klanan faiz oranlar\u0131 piyasadaki faiz uygulamas\u0131na direkt etki ediyor.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Aksine ger\u00e7ekleri yok sayarak yap\u0131lacak<br \/>\nhareket bir tarafta iktidar\u0131n, di\u011fer tarafta da Merkez Bankas\u0131\u2019n\u0131n itibar\u0131n\u0131<br \/>\nzedeleyecektir. Elbette d\u00fc\u015f\u00fck faiz hepimizin isteyece\u011fi bir \u015fey. Fakat insan<br \/>\ndaha m\u00fcreffeh bir hayat ya\u015famak i\u00e7in \u00e7ok para da ister. Buna giden her yol<br \/>\nmubah sayabilir mi?<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2566298338\"><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>Asl\u0131nda son d\u00f6nemdeki faiz tart\u0131\u015fmas\u0131 da<br \/>\nbundan farkl\u0131 bir durum de\u011fil. Bu \u00fclkede bankac\u0131l\u0131\u011f\u0131n y\u0131llarca g\u00f6revini<br \/>\nyapmad\u0131\u011f\u0131n\u0131, \u00fcretim, teknoloji, ticaret yerine, t\u00fcketimi ve Basel kriterlerini<br \/>\nve yasalar\u0131 da zorlayarak vatanda\u015f\u0131 kredilendirdi\u011fini biliyoruz.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2688793720\"><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>Hesap 1 firmaya 10 birim kredi vermek yerine,<br \/>\n10 ki\u015fiye 1 birim kredi vererek riski da\u011f\u0131tmak, bu arada da \u00e7ok b\u00fcy\u00fck kazan\u00e7lar<br \/>\nelde etmekti. \u0130\u015fin komplo teorisine girmiyorum bile, zira bizzat iktidar bu<br \/>\nuygulamay\u0131 destekledi. Gelinen noktada nas\u0131l herkesin riskli, bor\u00e7lu, hatta bir<br \/>\nb\u00f6l\u00fcm\u00fcn batak haline geldi\u011fini, reel sekt\u00f6r\u00fcn de yurtd\u0131\u015f\u0131 bor\u00e7lanma ger\u00e7e\u011fiyle<br \/>\nkar\u015f\u0131 kar\u015f\u0131ya kald\u0131\u011f\u0131n\u0131 biliyoruz.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Fakat bu hatalar\u0131 bug\u00fcnk\u00fc a\u00e7mazlar\u0131n\u0131 da<br \/>\ng\u00f6rmezden gelmemizi gerektirmiyor. Bu bankalar\u0131n hi\u00e7biri yurti\u00e7i mevduatlar\u0131<br \/>\nkrediye \u00e7eviren bir yap\u0131da de\u011fil. Sendikasyon ad\u0131 alt\u0131nda yurtd\u0131\u015f\u0131ndan<br \/>\ngetirdikleri paray\u0131 sat\u0131yorlar. Bu nedenle siz ne kadar faiz d\u00fc\u015f\u00fcr\u00fcrseniz<br \/>\nd\u00fc\u015f\u00fcr\u00fcn, ald\u0131klar\u0131 ad\u0131 ne olursa olsun borcun, kredinin bir maliyeti var.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Kamunun son olarak dolar kuru baz al\u0131narak<br \/>\ny\u00fczde 7,5 bor\u00e7land\u0131\u011f\u0131 bir foto\u011fraf i\u00e7erisinde, bu finans kurulu\u015flar\u0131n\u0131n<br \/>\nzarar\u0131na mal satmas\u0131n\u0131 isteyemezsiniz. \u0130stedi\u011finiz zaman ne mi olur? Onlar da<br \/>\ndosya masraflar\u0131 ve benzeri kalemlerde y\u00fczde 50\u2019nin \u00fczerinde zam yapma yoluna<br \/>\ngiderler.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Yani g\u00fcn\u00fcn sonunda fatura hem vatanda\u015fa \u00e7\u0131kar,<br \/>\nhem de kredi kulland\u0131rabildikleri reel sekt\u00f6r\u00fcn s\u0131rt\u0131na, defter i\u015flemeden i\u015flem<br \/>\nyapmaya kadar bir dizi ek maliyeti y\u00fcklersiniz. Bu durumda da \u2018sor alma<br \/>\nkredileri\u2019 bir tarafta, alan\u0131n da neredeyse faiz \u00f6dermi\u015f gibi maliyetlerle<br \/>\nkar\u015f\u0131 kar\u015f\u0131ya kalaca\u011f\u0131 bir foto\u011fraf ortaya \u00e7\u0131kar\u0131rs\u0131n\u0131z.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Bankalar d\u00fcnya ekonomisindeki geli\u015fmeleri, i\u00e7<br \/>\npiyasadaki daralmay\u0131, firmalar\u0131n bilan\u00e7olar\u0131ndaki bozulmay\u0131 ve \u00f6demeler<br \/>\nzincirindeki k\u0131r\u0131lmay\u0131 bildi\u011fi i\u00e7in, buna kredi maliyetleri de eklendi\u011finde<br \/>\nfaizleri d\u00fc\u015f\u00fcremezler. <\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>\u0130ktidardan \u00e7ekindikleri i\u00e7in ka\u011f\u0131t \u00fczerinde<br \/>\nd\u00fc\u015f\u00fcr\u00fcr, ama bu sefer de kredi vermeme yoluna giderler. \u00c7\u00fcnk\u00fc bizdeki<br \/>\nbankac\u0131l\u0131k proje de\u011fil, ipotek bankac\u0131l\u0131\u011f\u0131&#8230; Peki bu resim i\u00e7erisinde ortaya<br \/>\nnas\u0131l bir ihtimal \u00e7\u0131kar?<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Ya bankalar iktidar\u0131n ve Merkez Bankas\u0131\u2019n\u0131n<br \/>\nortaya koydu\u011fu faiz oranlar\u0131n\u0131 uygulamad\u0131klar\u0131 i\u00e7in, bu kurumlar\u0131n itibar\u0131<br \/>\nzedelenir ya da ucuza en sa\u011flama kredi verme yoluna giderler. Bu durumda da<br \/>\ngeriye tek bir se\u00e7enek kal\u0131r. Devlet&#8230;<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Devleti fonlarlar ve kar\u015f\u0131l\u0131\u011f\u0131nda da g\u00fczel<br \/>\nteminatlar al\u0131rlar ki, bu bir s\u00fcre sonra ald\u0131\u011f\u0131 kayna\u011f\u0131 in\u015faatta kulland\u0131r\u0131p,<br \/>\nkendini kurtarmaya \u00e7al\u0131\u015fan zihniyetin topra\u011fa milyon dolarlar\u0131 yeniden g\u00f6mmesi<br \/>\nsonucunu do\u011furur ve bizi h\u0131zla bir bankac\u0131l\u0131kta alacak ya da kamuda bor\u00e7<br \/>\nkrizine s\u00fcr\u00fckler.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Ayr\u0131ca lanse edildi\u011fi gibi \u0130ran\u2019dan S400\u2019e,<br \/>\nF35\u2019ter ticaret sava\u015flar\u0131na kadar hi\u00e7bir jeopolitik risk de s\u00f6ylendi\u011fi \u00fczere<br \/>\nortadan kalkm\u0131\u015f de\u011fil. Bununla birlikte d\u00fcnyadaki merkez bankalar\u0131n\u0131n e\u011filimi<br \/>\nde d\u00fczelmeyle de\u011fil, varl\u0131k fonlar\u0131n\u0131n patlamas\u0131 korkusuyla yap\u0131lmaktad\u0131r.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>\u0130\u015fe bu boyutlar a\u00e7\u0131s\u0131ndan bakt\u0131\u011f\u0131n\u0131zda da<br \/>\nsonu\u00e7lar\u0131 2001 krizinin kat be kat \u00fczerinde olur. Diyelim ki kredi verdiler.<br \/>\nFaizi de d\u00fc\u015f\u00fcrd\u00fcler. O zaman da bu krediyi alan, sat\u0131\u015flar\u0131n d\u00fcnyada ve i\u00e7te<br \/>\nt\u0131kand\u0131\u011f\u0131 noktada yat\u0131r\u0131ma de\u011fil d\u00f6vize y\u00f6nelir, bu da enflasyonu, g\u00fcn\u00fcn<br \/>\nsonunda da faizleri y\u00fckseltir. Hasar\u0131 da yan\u0131n\u0131za b\u0131rakarak&#8230;<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Sonra da d\u00f6n\u00fcp birbirimize malum f\u0131kradaki<br \/>\ngibi sorar\u0131z: Biz bu pisli\u011fi neden yedik?<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8211; wp:paragraph &#8211;> 25 Temmuz\u2019daki faiz toplant\u0131s\u0131na ad\u0131m ad\u0131m gidilirken herkesin g\u00fcndeminde faiz d\u00fc\u015f\u00fc\u015f\u00fc var. \u00d6zellikle Merkez Bankas\u0131 Ba\u015fkan\u0131 \u00c7etinkaya\u2019n\u0131n g\u00f6revden bu nedenle al\u0131nmas\u0131 ve&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-58656","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\/58656","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=58656"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/58656\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=58656"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=58656"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=58656"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}