{"id":67252,"date":"2025-08-12T05:08:52","date_gmt":"2025-08-12T05:08:52","guid":{"rendered":"https:\/\/ikimisli.tr\/?p=67252"},"modified":"2025-08-12T05:08:52","modified_gmt":"2025-08-12T05:08:52","slug":"ihtiyac-kredilerinde-yeni-donem-basladi-bankalar-faiz-indirimlerine-devam-ediyor","status":"publish","type":"post","link":"https:\/\/ikimisli.tr\/index.php\/2025\/08\/12\/ihtiyac-kredilerinde-yeni-donem-basladi-bankalar-faiz-indirimlerine-devam-ediyor\/","title":{"rendered":"\u0130htiya\u00e7 kredilerinde yeni d\u00f6nem ba\u015flad\u0131: Bankalar faiz indirimlerine devam ediyor"},"content":{"rendered":"

Merkez Bankas\u0131\u2019n\u0131n faiz indirimi karar\u0131 sonras\u0131nda bankalar, <\/span>\u00f6zellikle muhta\u00e7l\u0131k kredisi faizlerinde indirim yapmaya devam ediyor. Milyonlarca t\u00fcketici, d\u00fc<\/span>\u015f<\/span>\u00fck faizli kredi kullanmak i\u00e7in bankalar<\/span>\u0131n yeni faiz oranlar\u0131n\u0131 bekliyor. <\/span><\/p>\n

Ekonomik \u015fartlar\u0131n ve Merkez Bankas\u0131’n\u0131n faiz siyasetinin tesiriyle, birtak\u0131m bankalar faiz oranlar\u0131n\u0131 dikkat <\/span>\u00e7ekici d\u00fczeylere \u00e7ekmi<\/span>\u015f durumda. <\/span>\u00d6zellikle \u00f6zel bankalarda, belli limitler dahilinde faizler y\u00fczde 1.99\u2019a kadar geriledi. Bu geli<\/span>\u015fme, bor<\/span>\u00e7lanmay<\/span>\u0131 d<\/span>\u00fc<\/span>\u015f<\/span>\u00fcnenler i\u00e7in cazip bir f<\/span>\u0131rsat yarat\u0131yor.<\/span><\/p>\n

\u00d6ZEL BANKALARDA MUHTA\u00c7LIK KRED\u0130S\u0130 FA\u0130Z ORANLARI NE DURUMDA<\/span><\/b><\/p>\n

NTV’de yer alan habere nazaran, faiz indirimi ile birlikte bankalar, hem uzun hem de k\u0131sa vadeli kredi se<\/span>\u00e7enekleri sunarak m\u00fc<\/span>\u015fterilerini <\/span>\u00e7ekmeye \u00e7al<\/span>\u0131\u015f\u0131yor. <\/span><\/p>\n

\u00d6rne<\/span>\u011fin, TEB, y<\/span>\u00fczde 1.99 faiz oran<\/span>\u0131yla 3-12 ay vadeli 100 bin liraya kadar kredi veriyor. Ayl\u0131k <\/span>\u00f6deme ise 9 bin 800 lira civar<\/span>\u0131nda. Akbank ise y<\/span>\u00fczde 2.09 faiz oran<\/span>\u0131yla 12 ay vadeli 100 bin lira kredi veriyor ve ayl\u0131k <\/span>\u00f6demeler 9 bin 877 lira civar<\/span>\u0131nda ger<\/span>\u00e7ekle<\/span>\u015fiyor. Ba\u015fka yandan, Garanti BBVA, 125 bin liray\u0131 25 ay vadeli y<\/span>\u00fczde 2.59 faiz oran<\/span>\u0131 ile veriyor ve ayl\u0131k taksitler 7 bin 475 lira d\u00fczeyinde.<\/span><\/p>\n

SIFIR FA<\/span>\u0130<\/span>ZL<\/span>\u0130<\/span> KRED<\/span>\u0130<\/span> SE<\/span>\u00c7<\/span>ENEKLER<\/span>\u0130<\/span> DE<\/span>\u011e\u0130\u015e<\/span>T<\/span>\u0130<\/span><\/b><\/p>\n

Bankalar, m\u00fc<\/span>\u015fteri <\/span>\u00e7ekebilmek i\u00e7in s<\/span>\u0131f\u0131r faizli kredi kampanyalar\u0131na da yer veriyor. Denizbank, 90 bin liraya kadar 3 ay vadeli faizsiz kredi imkan\u0131 sunarken, QNB 85 bin liraya kadar 3 ay vadeli, <\/span>Enpara<\/span> 90 bin liraya kadar 6 ay vadeli faizsiz kredi veriyor. T<\/span>\u00fcrkiye <\/span>\u0130\u015f Bankas\u0131 ise 55 bin liraya kadar 3 ay vadeli faizsiz kredi sunuyor. Ayr\u0131yeten T<\/span>\u00fcrkiye Finans, Albaraka T\u00fcrk \u00fczere bankalar da s<\/span>\u0131f\u0131r faizli kredi imkanlar\u0131 ile dikkat <\/span>\u00e7ekiyor.<\/span><\/p>\n

KRED<\/span>\u0130<\/span> L<\/span>\u0130<\/span>M<\/span>\u0130<\/span>TLER<\/span>\u0130<\/span>NE G<\/span>\u00d6<\/span>RE VADE S<\/span>\u00dc<\/span>RELER<\/span>\u0130<\/span> DE<\/span>\u011e\u0130\u015e\u0130<\/span>YOR <\/span><\/b><\/p>\n

Bankac\u0131l\u0131k D<\/span>\u00fczenleme ve Denetleme Kurulu\u2019nun <\/span>\u015eubat ay\u0131nda duyurdu\u011fu d<\/span>\u00fczenlemeyle, kredi tutar<\/span>\u0131na g<\/span>\u00f6re vade m\u00fcddetleri de netle<\/span>\u015ftirilmi\u015fti. Buna g<\/span>\u00f6re, 125 bin TL ve alt<\/span>\u0131 kredilerde 36 ay, 125 bin TL ile 250 bin TL ortas\u0131ndaki kredilerde 24 ay, 250 bin TL ve <\/span>\u00fczeri kredilerde ise 12 ay vade uygulan<\/span>\u0131yor. Bu durum, kredi almak isteyenler i<\/span>\u00e7in yeni bir kredi devri ba<\/span>\u015flat\u0131rken, bankalar\u0131n sundu\u011fu farkl\u0131 se<\/span>\u00e7enekler, t\u00fcketicilerin tercihlerinde tesirli olacakt<\/span>\u0131r.<\/span><\/p>\n

Bankalar, faiz indirimlerine ve s<\/span>\u0131f\u0131r faizli kredi se<\/span>\u00e7eneklerine devam ederek, kredi kullanmak isteyenlere cazip f<\/span>\u0131rsatlar sunuyor. <\/span><\/p>\n

Ancak kredi limitlerine g<\/span>\u00f6re vade m\u00fcddetlerinin farkl<\/span>\u0131l\u0131k g<\/span>\u00f6stermesi, kullan<\/span>\u0131c\u0131lar\u0131n tercihlerine g<\/span>\u00f6re \u00e7e<\/span>\u015fitlilik yarat\u0131yor. Faiz oranlar\u0131ndaki bu d<\/span>\u00fc<\/span>\u015f<\/span>\u00fc<\/span>\u015f, d<\/span>\u00fc<\/span>\u015f<\/span>\u00fck faizli kredi kullanmak isteyenlerin kararlar<\/span>\u0131n\u0131 h\u0131zland\u0131racak \u00fczere g<\/span>\u00f6r\u00fcn\u00fcyor.<\/span><\/p>\n

\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

Merkez Bankas\u0131 faiz indirimi beklentisi s\u00fcrerken, bankalar gereksinim kredisi faiz oranlar\u0131n\u0131 indirmeye devam ediyor. \u00d6zel bankalarda faizler y\u00fczde 1.99\u2019a kadar geriledi.<\/p>\n","protected":false},"author":1,"featured_media":67253,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[1028,7843,176,7840,315],"class_list":["post-67252","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankalar","tag-ce","tag-faiz","tag-faiz-oran","tag-kredi"],"_links":{"self":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/67252","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=67252"}],"version-history":[{"count":1,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/67252\/revisions"}],"predecessor-version":[{"id":67254,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/67252\/revisions\/67254"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media\/67253"}],"wp:attachment":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media?parent=67252"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/categories?post=67252"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/tags?post=67252"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}