Bireysel kredi kart\u0131 ve gereksinim kredisi bor\u00e7lar\u0131n\u0131 \u00f6demekte zorlananlar i\u00e7in Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) taraf\u0131ndan ba\u015flat\u0131lan yine yap\u0131land\u0131rma d\u00fczenlemesi, uygulamada beklenen etkiyi yaratmad\u0131. Kurallar gev\u015fetilse de, bor\u00e7lu vatanda\u015flar bankalar\u0131n keyfi tav\u0131rlar\u0131 nedeniyle yap\u0131land\u0131rma imkan\u0131na \u00e7o\u011funlukla ula\u015fam\u0131yor.<\/p>\n
YAPILANDIRMA KAPSAMI GEN\u0130\u015eTEL\u0130LD\u0130 FAKAT BANKALAR YANA\u015eMIYOR<\/b><\/p>\n
BDDK, 10 Temmuz\u2019da ald\u0131\u011f\u0131 kararla ge\u00e7en y\u0131l y\u00fcr\u00fcrl\u00fc\u011fe giren ferdi kredi yap\u0131land\u0131rma d\u00fczenlemesinin kapsam\u0131n\u0131 geni\u015fletti. Buna nazaran, ki\u015fisel kredi kart\u0131 ve muhta\u00e7l\u0131k kredisi bor\u00e7lar\u0131 48 aya kadar yine yap\u0131land\u0131r\u0131labilecek. Yap\u0131land\u0131rma i\u00e7in bor\u00e7lular\u0131n \u00fc\u00e7 ay i\u00e7inde m\u00fcracaat yapmas\u0131 gerekiyor. Yeni kararla yaln\u0131zca taban fiyat\u0131n\u0131 \u00f6deyemeyen de\u011fil, devir borcunu k\u0131smen ya da b\u00fcsb\u00fct\u00fcn \u00f6deyemeyen kart sahipleri de yap\u0131land\u0131rmadan faydalanabilecek.<\/p>\n
Ancak vatanda\u015f\u0131n ya\u015fad\u0131\u011f\u0131 tablo farkl\u0131. Bankalar yap\u0131land\u0131rma m\u00fcracaatlar\u0131na olumlu d\u00f6n\u00fc\u015f yapm\u0131yor. Ta\u015f\u0131nabilir uygulamalara yap\u0131land\u0131rma se\u00e7ene\u011fi koyan kimi bankalar, m\u00fcracaatlar\u0131 teknik m\u00fcnasebetlerle reddediyor. Bir vatanda\u015f\u0131n ya\u015fad\u0131\u011f\u0131 \u00f6rnekte, son minimum \u00f6demesini 12 Haziran\u2019da yapan ki\u015fi, yap\u0131land\u0131rma ba\u015fvurusu yapmas\u0131na kar\u015f\u0131n \u201cgecikmi\u015f \u00fcr\u00fcn\u201d kriteri kar\u015f\u0131lanmad\u0131\u011f\u0131 gerek\u00e7esiyle reddedildi. Halbuki yeni d\u00fczenleme, k\u0131smi \u00f6deme yapamayan bor\u00e7lular\u0131n da yap\u0131land\u0131rmadan faydalanabilmesini \u00f6ng\u00f6r\u00fcyor.<\/p>\n
BDDK ZARUR\u00ce TUTAMIYOR<\/b><\/p>\n
Ekonomim’den \u015eebnem Turhan’\u0131n haberine nazaran, BDDK yetkilileri, bankalara yap\u0131land\u0131rma zarurili\u011fi getiremediklerini, yaln\u0131zca kurallar\u0131 esnettiklerini belirtiyor. Yap\u0131land\u0131rman\u0131n b\u00fcsb\u00fct\u00fcn bankalar\u0131n insiyatifinde oldu\u011funu, hatta icral\u0131k bor\u00e7lar\u0131n bile yap\u0131land\u0131rma kapsam\u0131na al\u0131nabilece\u011fini s\u00f6yl\u00fcyorlar. Fakat bir\u00e7ok banka, kendi siyasetlerini m\u00fcnasebet g\u00f6stererek yap\u0131land\u0131rma taleplerini geri \u00e7eviriyor.<\/p>\n
\u00d6te yandan BDDK\u2019n\u0131n haftal\u0131k datalar\u0131na nazaran, ki\u015fisel gereksinim kredilerinde tahsili gecikmi\u015f alacak oran\u0131 y\u00fczde 5,18\u2019e, kredi kartlar\u0131nda ise y\u00fczde 4,33\u2019e y\u00fckseldi. Bu oranlar, son bir y\u0131lda s\u0131ras\u0131yla y\u00fczde 127 ve y\u00fczde 178 art\u0131\u015f g\u00f6sterdi.<\/p>\n
Finansman taraf\u0131nda ise Merkez Bankas\u0131\u2019n\u0131n siyaset faizinde yapt\u0131\u011f\u0131 indirim, hem muhta\u00e7l\u0131k kredisi hem de TL mevduat faizlerini a\u015fa\u011f\u0131 \u00e7ekti. Ge\u00e7en hafta 100 bin liral\u0131k 32 g\u00fcn vadeli mevduata y\u00fczde 46,5 faiz verilirken, bu oran bu hafta y\u00fczde 44,5\u2019e d\u00fc\u015ft\u00fc. Kredi faizleri de ortalama y\u00fczde 3,99 d\u00fczeylerine indi.<\/p>\n
\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"
Ferdi kredi kart\u0131 ve muhta\u00e7l\u0131k kredisinde t\u00fcm bor\u00e7lular\u0131 kapsayan tekrar yap\u0131land\u0131rma bankalar tekledi. Vatanda\u015flar tekrar yap\u0131land\u0131rma m\u00fcracaatlar\u0131ndan eli bo\u015f d\u00f6nerken BDDK sadece kurallar\u0131 esnetebiliyor, mecbur\u00ee tutam\u0131yor.<\/p>\n","protected":false},"author":1,"featured_media":61767,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[1028,7943,315,2135],"class_list":["post-61766","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankalar","tag-bddk","tag-kredi","tag-yapilandirma"],"_links":{"self":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/61766","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=61766"}],"version-history":[{"count":1,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/61766\/revisions"}],"predecessor-version":[{"id":61768,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/61766\/revisions\/61768"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media\/61767"}],"wp:attachment":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media?parent=61766"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/categories?post=61766"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/tags?post=61766"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}