Merkez Bankas\u0131’n\u0131n yay\u0131mlad\u0131\u011f\u0131 son Finansal \u0130stikrar Raporu’nda vatanda\u015flar\u0131n kredi kart\u0131 ve kredili mevduat hesaplar\u0131nda bor\u00e7lar\u0131n\u0131n artt\u0131\u011f\u0131 g\u00f6zlenirken ba\u015fta otomobil ve konutta kredi kullan\u0131m oran\u0131, faiz ve vade olmak \u00fczere getirilen k\u0131s\u0131tlamalar \u00e7al\u0131\u015fanlar\u0131 kredi kullanamaz hale getirdi. Rapora g\u00f6re T\u00fcrkiye’de vatanda\u015flar\u0131n toplam borcu y\u0131ll\u0131k y\u00fczde 47 art\u0131\u015fla 5 trilyon 489 milyara \u00e7\u0131karken varl\u0131\u011f\u0131 ise y\u00fczde 44,5 y\u00fckseli\u015fle 22,5 trilyon liraya ula\u015ft\u0131. Tabii borcu olan ve varl\u0131\u011f\u0131 olan vatanda\u015flar\u0131n ayn\u0131 ki\u015filer olmad\u0131\u011f\u0131 genel kabul g\u00f6r\u00fcyor. B\u00f6ylece son 1 y\u0131lda varl\u0131kl\u0131 kesimin gelirinin yakla\u015f\u0131k 7 trilyon artt\u0131\u011f\u0131n\u0131 di\u011fer vatanda\u015flar\u0131n bor\u00e7lar\u0131n\u0131n ise 1.8 trilyon lira t\u0131rmand\u0131\u011f\u0131n\u0131 s\u00f6yleyebiliriz. REKLAM MAA\u015eIN Y\u00dcZDE 1.52’S\u0130NE \u0130ND\u0130 Rapordaki en ilgin\u00e7 tespit ise \u00e7al\u0131\u015fanlar\u0131n bireysel kredi kullan\u0131m\u0131na dair olan\u0131. Buna g\u00f6re bireysel kredilerde toplam bor\u00e7lulu\u011fun gelire oran\u0131n\u0131n 2020 y\u0131l\u0131ndan itibaren geriledi\u011fi g\u00f6zleniyor. Ki\u015fi seviyesinde verilerden ortalama ve medyan olarak bak\u0131ld\u0131\u011f\u0131nda da ortalama bir bireyin ayl\u0131k br\u00fct gelirine oranla t\u00fcketici kredisi bor\u00e7lulu\u011funda azal\u0131\u015f dikkat \u00e7ekiyor. Parasal s\u0131k\u0131la\u015fman\u0131n yan\u0131 s\u0131ra konut ve ta\u015f\u0131t kredilerine uygulanan kredi-de\u011fer oran\u0131 ile ta\u015f\u0131t ve ihtiya\u00e7 kredilerine uygulanan vade, tutar ve b\u00fcy\u00fcme k\u0131s\u0131tlar\u0131 gibi makro ihtiyati tedbirlerin bu gerilemede etkili oldu\u011fu de\u011ferlendiriliyor. Rakamlara g\u00f6re \u00e7al\u0131\u015fanlar 2020’de ald\u0131klar\u0131 \u00fccretin y\u00fczde 4.55’i kadar bor\u00e7lan\u0131rken bu rakam y\u0131llar i\u00e7inde \u00f6nemli oranda geriledi ve son olarak 1.52’ye kadar indi. KRED\u0130 KARTI BOR\u00c7LARI ARTIYOR Raporun dikkat \u00e7ekti\u011fi di\u011fer \u00f6nemli nokta kredi kart\u0131 ve maa\u015f hesab\u0131 ile birlikte tan\u0131mlanan ve faizi y\u00fcksek olan kredi kredili mevduat hesab\u0131n\u0131n al\u0131nan \u00f6nlemlere ra\u011fmen \u00e7ok fazla kullan\u0131l\u0131yor olmas\u0131. Kredi kart\u0131 kullan\u0131m\u0131 3 ayl\u0131k y\u00fczde 63 ve y\u0131ll\u0131k y\u00fczde 56,6 artarken taksitli kart kullan\u0131m\u0131n\u0131n daha fazla y\u00fckseldi\u011fini tablodan da g\u00f6rebilirsiniz. KMH kullan\u0131m\u0131 ise y\u0131ll\u0131k y\u00fczde 86 ile en \u00e7ok artan bor\u00e7 kalemi oldu. REKLAM Dijitalle\u015fme kaynakl\u0131 de\u011fi\u015fen kart kullan\u0131m al\u0131\u015fkanl\u0131klar\u0131, nakit kullan\u0131m\u0131n\u0131n maliyetli olmas\u0131 ve di\u011fer teminats\u0131z kredi t\u00fcrlerindeki k\u0131s\u0131tlamalar gibi \u00e7e\u015fitli fakt\u00f6rler kredi kart\u0131 kullan\u0131m\u0131n\u0131 destekliyor. Y\u0131l\u0131n ikinci \u00e7eyre\u011finde e\u011fitim harcamalar\u0131 hari\u00e7 \u00fc\u00e7 taksit \u00fczeri KMH kullan\u0131mlar\u0131n kredi b\u00fcy\u00fcme s\u0131n\u0131r\u0131 d\u00fczenlemesine d\u00e2hil edilmesinin etkisi ile KMH bakiye b\u00fcy\u00fcmesinin de yava\u015flad\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz. Geli\u015fmelerin sonucunda kredi kart\u0131n\u0131n hanehalk\u0131 finansal bor\u00e7lar\u0131 i\u00e7indeki pay\u0131 y\u00fczde 50 seviyelerine yakla\u015ft\u0131. Konut kredilerinin pay\u0131 ise eyl\u00fcl ay\u0131 itibar\u0131yla y\u00fczde 12\u2019ye kadar geriledi. Son d\u00f6nemde KMH \u00fcr\u00fcn\u00fcn\u00fcn pay\u0131 y\u00fczde 13 d\u00fczeyinde seyrediyor. Ayr\u0131ca, ihtiya\u00e7 kredileri i\u00e7inde KMH pay\u0131 ikinci \u00e7eyrekte y\u00fczde 35\u2019e ula\u015ft\u0131ktan sonra \u00fc\u00e7 taksit \u00fczeri KMH kullan\u0131mlar\u0131n\u0131n kredi b\u00fcy\u00fcme s\u0131n\u0131r\u0131 d\u00fczenlemesine d\u00e2hil edilmesinin etkisiyle yatay bir g\u00f6r\u00fcn\u00fcm sergiliyor. KONUT HAR\u0130\u00c7 BOR\u00c7 M\u0130LL\u0130 GEL\u0130R\u0130N Y\u00dcZDE 8.7’S\u0130 Merkez Bankas\u0131 raporunun bor\u00e7luluk alt k\u0131r\u0131l\u0131mda incelendi\u011finde, konut kredilerinin GSY\u0130H\u2019ye oran\u0131 emsal \u00fclkeler ortalamas\u0131na g\u00f6re olduk\u00e7a d\u00fc\u015f\u00fck seviyedeyken, konut kredisi hari\u00e7 hanehalk\u0131 borcunun y\u00fczde 8.7 ile emsal \u00fclke ortalamas\u0131na yak\u0131n oldu\u011fu g\u00f6r\u00fcl\u00fcyor. Konut kredilerine y\u00f6nelik uygulanan makro ihtiyati d\u00fczenlemeler, konut kredilerinde faiz oranlar\u0131n\u0131n y\u00fcksek seyretmesi ve vade imkanlar\u0131n\u0131n di\u011fer \u00fclkelere k\u0131yasla daha s\u0131n\u0131rl\u0131 olmas\u0131 konut kredisi kaynakl\u0131 hanehalk\u0131 borcunun azalmas\u0131nda etkili oldu. Ayr\u0131ca, T\u00fcrkiye\u2019de ipoteksiz sat\u0131\u015flar\u0131n toplam konut sat\u0131\u015flar\u0131nda y\u00fcksek a\u011f\u0131rl\u0131\u011fa sahip olmas\u0131 konut kredisi bor\u00e7lulu\u011funun di\u011fer \u00fclke ortalamalar\u0131n\u0131n belirgin alt\u0131nda kalmas\u0131nda etkili. REKLAM YAPILANDIRMA \u0130MKANI BATA\u011eI AZALTTI Vatanda\u015f\u0131n deyimi ile bat\u0131k krediler yani Tahsili Gecikmi\u015f Alacak’lara (TGA) bakt\u0131\u011f\u0131m\u0131zda ise ticari kredi TGA oran\u0131n\u0131n y\u00fczde 1,8 ile tarihsel ortalamas\u0131n\u0131n alt\u0131nda seyrini s\u00fcrd\u00fcrd\u00fc\u011f\u00fc bireysel kredi TGA oran\u0131nda ise art\u0131\u015f\u0131n devam etti\u011fi anla\u015f\u0131l\u0131yor. Bireysel kredi TGA oran\u0131 tarihsel ortalamas\u0131n\u0131n \u00fczerine \u00e7\u0131kt\u0131. Bankalar\u0131n \u015f\u00fcpheli alacak olarak g\u00f6rd\u00fc\u011f\u00fc yak\u0131n izlemedeki kredi oran\u0131 ise y\u00fczde 8,2 seviyesinde yatay bir seyir izliyor. Bireysel kredilerde TGA art\u0131\u015f\u0131n\u0131n teminats\u0131z yap\u0131ya sahip olan ihtiya\u00e7 kredisi ve kredi kartlar\u0131 taraf\u0131ndan s\u00fcr\u00fcklendi\u011fi, bu kredi segmentlerinde TGA oranlar\u0131n\u0131n s\u0131ras\u0131yla y\u00fczde 4,9 ve 4,2 seviyesinde yatay bir g\u00f6r\u00fcn\u00fcm kazand\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. Bireysel kredi TGA oranlar\u0131ndaki art\u0131\u015f\u0131n yava\u015flamas\u0131nda ihtiya\u00e7 kredisi ve kredi kartlar\u0131 i\u00e7in temmuz ay\u0131nda geni\u015f kapsaml\u0131 bir yap\u0131land\u0131r\u0131lma imk\u00e2n\u0131n\u0131n sa\u011flanmas\u0131n\u0131n etkili oldu\u011fu da biliniyor. REKLAM \u00d6DEMES\u0130 GEC\u0130KEN B\u0130REYSEL KRED\u0130 ORANI Y\u00dcZDE 5.2 Ticari krediler i\u00e7inde \u00f6demesi geciken kredilerin oran\u0131 y\u00fczde 1,1 seviyesinde yatay seyrediyor. Bununla birlikte gecikmesi 30 g\u00fcnden az s\u0131n\u0131f\u0131ndaki art\u0131\u015f\u0131n belirleyici etkisiyle, toplam \u00f6demesi geciken bireysel kredi oran\u0131 y\u00fczde 5,2\u2019ye y\u00fckseldi. Bireysel kredi riskinin s\u00fcr\u00fckleyicilerinden olan ihtiya\u00e7 kredileri ve kredi kart\u0131 alt segmentlerine bak\u0131ld\u0131\u011f\u0131nda 30 g\u00fcnden az gecikme grubunda art\u0131\u015f\u0131n devam etti\u011fi, 30 g\u00fcn \u00fczerinde geciken kredi oran\u0131n\u0131n geriledi\u011fi g\u00f6zleniyor. Kredi kart\u0131 ve ihtiya\u00e7 kredilerinde 30 g\u00fcn \u00fczerinde geciken kredi oran\u0131n\u0131n gerilemesinde temmuz ay\u0131nda devreye al\u0131nan yap\u0131land\u0131rma imk\u00e2n\u0131n\u0131n etkili oldu\u011fu g\u00f6r\u00fcl\u00fcyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Merkez Bankas\u0131’n\u0131n yay\u0131mlad\u0131\u011f\u0131 son Finansal \u0130stikrar Raporu’nda vatanda\u015flar\u0131n kredi kart\u0131 ve kredili mevduat hesaplar\u0131nda bor\u00e7lar\u0131n\u0131n artt\u0131\u011f\u0131 g\u00f6zlenirken ba\u015fta otomobil ve konutta kredi kullan\u0131m oran\u0131, faiz ve vade olmak \u00fczere getirilen k\u0131s\u0131tlamalar \u00e7al\u0131\u015fanlar\u0131 kredi kullanamaz hale getirdi. Rapora g\u00f6re T\u00fcrkiye’de vatanda\u015flar\u0131n toplam borcu y\u0131ll\u0131k y\u00fczde 47 art\u0131\u015fla 5 trilyon 489 milyara \u00e7\u0131karken varl\u0131\u011f\u0131 ise y\u00fczde 44,5 […]<\/p>\n","protected":false},"author":0,"featured_media":19360,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[996,995,992,994,993],"class_list":["post-19359","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-calisan","tag-kmh","tag-kredi-karti","tag-merkez-bankasi-finansal-istikrar-raporu","tag-tuketici-kredisi"],"_links":{"self":[{"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/posts\/19359","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/comments?post=19359"}],"version-history":[{"count":1,"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/posts\/19359\/revisions"}],"predecessor-version":[{"id":19361,"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/posts\/19359\/revisions\/19361"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/media\/19360"}],"wp:attachment":[{"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/media?parent=19359"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/categories?post=19359"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/tags?post=19359"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}