Ge\u00e7ti\u011fimiz ay 300 baz puanl\u0131k indirim yapan T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB), siyaset faizini y\u00fczde 43\u2019e \u00e7ekmi\u015fti. Temmuz ay\u0131nda a\u00e7\u0131klanan enflasyonun beklentilerin alt\u0131nda kalarak y\u0131ll\u0131k bazda y\u00fczde 33,52\u2019ye d\u00fc\u015fmesi, ekonomistlere nazaran TCMB\u2019ye ek indirim i\u00e7in alan a\u00e7t\u0131. Bu nedenle, eyl\u00fcl ay\u0131nda da 300 baz puanl\u0131k yeni bir indirim ihtimali \u00f6ne \u00e7\u0131k\u0131yor.<\/p>\n
Faiz indirimi beklentisi, mevduat faizlerine de direkt yans\u0131yor. Temmuz ay\u0131ndaki indirim \u00f6ncesinde y\u00fczde 50\u2019ye yakla\u015fan 32 g\u00fcnl\u00fck vadeli mevduat oranlar\u0131, bug\u00fcn prestijiyle y\u00fczde 45 d\u00fczeylerine kadar geriledi. Bankac\u0131l\u0131k etraflar\u0131, enflasyondaki d\u00fc\u015f\u00fc\u015f trendinin devam etmesi h\u00e2linde mevduat faizlerinin de kademeli halde a\u015fa\u011f\u0131 istikametli seyredece\u011fini \u00f6ng\u00f6r\u00fcyor.<\/p>\n
YATIRIMCIYA ORTA VE UZUN VADE TAVS\u0130YES\u0130\u00a0<\/b><\/p>\n
T\u00fcrkiye Gazetesi’nde yer alan habere nazaran, bankac\u0131l\u0131k kaynaklar\u0131, tasarruf sahiplerine \u201cmevcut y\u00fcksek oranlar\u0131 korumak i\u00e7in daha uzun vadeye y\u00f6nelin\u201d<\/strong> davetinde bulunuyor.\u00a0<\/p>\n \u00d6zellikle 92 g\u00fcnl\u00fck vadenin, k\u0131sa vadeli mevduatlara k\u0131yasla h\u00e2l\u00e2 cazip oranlar sundu\u011fu tabir ediliyor. Bu sayede yat\u0131r\u0131mc\u0131lar, faizlerde m\u00fcmk\u00fcn d\u00fc\u015f\u00fc\u015flere kar\u015f\u0131 kendilerini muhafaza imk\u00e2n\u0131 bulabiliyor.<\/p>\n 92 G\u00dcN VADEDE \u00d6NE \u00c7IKAN BANKA ORANLARI\u00a0<\/b><\/p>\n Bug\u00fcn prestijiyle bankalar\u0131n 92 g\u00fcnl\u00fck vadeli mevduat faiz oranlar\u0131 \u015fu bi\u00e7imde s\u0131ralan\u0131yor:<\/p>\n Akbank: <\/strong>%43,00<\/p>\n Vak\u0131fbank:<\/strong> %42,25<\/p>\n Yap\u0131 Kredi:<\/strong> %42,00<\/p>\n Alternatif Bank:<\/strong> %41,00<\/p>\n Burgan Bank: <\/strong>%40,00<\/p>\n Ziraat Bankas\u0131: <\/strong>%39,00<\/p>\n ING Bank:<\/strong> %39,00<\/p>\n (Not: Oranlar bankalar\u0131n resmi internet sitelerinden al\u0131nm\u0131\u015ft\u0131r. \u015eimdiki bilgiler i\u00e7in bankalarla irtibata ge\u00e7ilmelidir.)<\/p>\n 1 M\u0130LYON TL’N\u0130N 92 G\u00dcNDE GET\u0130R\u0130S\u0130\u00a0<\/b><\/p>\n En y\u00fcksek faiz oran\u0131 baz al\u0131nd\u0131\u011f\u0131nda, 1 milyon TL\u2019nin 92 g\u00fcnl\u00fck getirisi \u015fu halde hesaplan\u0131yor:<\/p>\n Mevduat Mebla\u011f\u0131:<\/strong> 1.000.000 TL<\/p>\n Faiz Oran\u0131: <\/strong>%46,00<\/p>\n Vade:<\/strong> 92 g\u00fcn<\/p>\n Net Getiri:<\/strong> 89.416 TL<\/p>\n MEVDUAT STRATEJ\u0130S\u0130 Y\u0130NE \u015eEK\u0130LLEN\u0130YOR\u00a0<\/b><\/p>\n \u00d6n\u00fcm\u00fczdeki periyotta faizlerde beklenen indirimler, yat\u0131r\u0131mc\u0131lar\u0131n stratejilerini tekrar g\u00f6zden ge\u00e7irmesine neden oluyor.\u00a0<\/p>\n K\u0131sa vadede y\u00fcksek getiri aray\u0131\u015f\u0131 cazip g\u00f6r\u00fcnse de, mevcut oranlar\u0131 uzun vadeye sabitlemek m\u00fcmk\u00fcn faiz d\u00fc\u015f\u00fc\u015flerine kar\u015f\u0131 m\u00fcdafaa sa\u011flayabilir. Uzmanlar, bilhassa 92 g\u00fcnl\u00fck vadeli mevduatlar\u0131n bu periyotta de\u011ferli bir avantaj sundu\u011funa dikkat \u00e7ekiyor.<\/p>\n *Haberde yer alan de\u011ferlendirmeler ve uzman yorumlar\u0131 mutlaka yat\u0131r\u0131m tavsiyesi de\u011fildir.\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" Merkez Bankas\u0131\u2019n\u0131n eyl\u00fclde bir sefer daha 300 baz puan faiz indirimi yapmas\u0131 beklenirken, bu s\u00fcre\u00e7te mevduat faizlerinin daha da gerileyebilece\u011fi belirtiliyor. Uzmanlar, yat\u0131r\u0131mc\u0131lar\u0131n orta ve uzun vadeli mevduata y\u00f6nelerek mevcut y\u00fcksek getirileri koruyabilece\u011fini s\u00f6z ediyor.<\/p>\n","protected":false},"author":1,"featured_media":68039,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[8339,92,176,1814,2317],"class_list":["post-68038","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-92-gun","tag-banka","tag-faiz","tag-mevduat","tag-vade"],"_links":{"self":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/68038","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=68038"}],"version-history":[{"count":1,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/68038\/revisions"}],"predecessor-version":[{"id":68040,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/68038\/revisions\/68040"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media\/68039"}],"wp:attachment":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media?parent=68038"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/categories?post=68038"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/tags?post=68038"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}