Ekonomistler, T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131’n\u0131n \u00a0politika faizini 250 baz puan indirerek y\u00fczde 45 d\u00fczeyine \u00e7ekmesine kesin g\u00f6z\u00fcyle bak\u0131yor. Bu karar\u0131n akabinde hem mevduat hem de kredi faizlerinin de\u011fi\u015fmesi bekleniyor. Faiz oranlar\u0131nda ya\u015fanacak bu de\u011fi\u015fim, yat\u0131r\u0131mc\u0131lar\u0131n ve tasarruf sahiplerinin kararlar\u0131n\u0131 direkt etkileyecek.<\/p>\n
MEVDUAT FA\u0130Z ORANLARINDE D\u00dc\u015e\u00dcYOR\u00a0<\/b><\/p>\n
\u0130\u015fin uzmanlar\u0131, TCMB\u2019nin faiz indirimi ile birlikte, bankalar\u0131n uygulad\u0131\u011f\u0131 y\u00fcksek mevduat faiz oranlar\u0131n\u0131n sona erece\u011fini kestirim ediyor. Bug\u00fcn prestijiyle en y\u00fcksek mevduat faiz oran\u0131, y\u00fczde 53’ten y\u00fczde 51\u2019e kadar gerilemi\u015f durumda. Uzun vadeli mevduatlarda ise faiz oranlar\u0131 y\u00fczde 38-40 ortas\u0131nda de\u011fi\u015fiyor.<\/p>\n
MEVDUAT FA\u0130ZLER\u0130NDEN NE KADAR GET\u0130R\u0130 ELDE ED\u0130LECEK?\u00a0<\/b><\/p>\n
Mevduat sahipleri, faiz oranlar\u0131ndaki de\u011fi\u015fimle birlikte yat\u0131r\u0131mlar\u0131ndan elde edecekleri getiri oran\u0131n\u0131 hesaplamaya ba\u015flad\u0131. \u00d6rne\u011fin, 1 milyon TL yat\u0131ran bir ki\u015fi, y\u00fczde 50 faiz oran\u0131 \u00fczerinden 32 g\u00fcn vadeyle 39 bin 452 TL gelir elde edebilecekken, faiz oran\u0131 y\u00fczde 48\u2019e d\u00fc\u015ft\u00fc\u011f\u00fcnde bu getiri 37 bin 874 TL\u2019ye iniyor.<\/p>\n
FA\u0130Z KARARININ TES\u0130RLER\u0130 GEN\u0130\u015e \u00c7APLI OLACAK\u00a0<\/b><\/p>\n
TCMB’nin a\u00e7\u0131klayaca\u011f\u0131 faiz karar\u0131, yaln\u0131zca mevduat faizlerini de\u011fil, t\u0131pk\u0131 vakitte ekonomik genel g\u00f6r\u00fcn\u00fcm\u00fc ve banka kredilerinin maliyetini de etkileyebilir. Piyasalar\u0131n g\u00f6zleri, bu karar\u0131n akabinde olu\u015facak yeni faiz d\u00fczeylerinde olacak.<\/p>\n
BANKALAR FA\u0130Z ORANLARINI G\u00dcNCELLED\u0130\u00a0<\/b><\/p>\n
Merkez Bankas\u0131’n\u0131n karar\u0131na k\u0131sa m\u00fchlet kala, bankalar da mevduat faiz oranlar\u0131nda g\u00fcncellemeler yapmaya ba\u015flad\u0131. Bu de\u011fi\u015fiklikler, tasarruf sahiplerinin kararlar\u0131n\u0131 y\u00f6nlendirecek de\u011ferli bir etken olabilir.<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB), 2025 y\u0131l\u0131na ili\u015fkin birinci faiz karar\u0131n\u0131 bug\u00fcn saat 14:00’te a\u00e7\u0131klayacak. Piyasalar, Merkez Bankas\u0131’n\u0131n faiz indirimlerine devam edece\u011fini \u00f6ng\u00f6r\u00fcrken birebir vakitte bankalar\u0131n mevduat faizlerini y\u00fczde 50’nin alt\u0131n\u0131 \u00e7ekece\u011fi d\u00fc\u015f\u00fcn\u00fcl\u00fcyor.<\/p>\n","protected":false},"author":1,"featured_media":17121,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[92,176,1573],"class_list":["post-17120","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-faiz","tag-oranlari"],"_links":{"self":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/17120","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/comments?post=17120"}],"version-history":[{"count":1,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/17120\/revisions"}],"predecessor-version":[{"id":17122,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/17120\/revisions\/17122"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media\/17121"}],"wp:attachment":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media?parent=17120"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/categories?post=17120"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/tags?post=17120"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}