{"id":80020,"date":"2025-09-11T03:20:03","date_gmt":"2025-09-11T03:20:03","guid":{"rendered":"https:\/\/ikimisli.tr\/?p=80020"},"modified":"2025-09-11T03:20:03","modified_gmt":"2025-09-11T03:20:03","slug":"bankada-parasi-olanlara-kotu-haber-bankalar-mevduata-verdigi-faizi-dusurdu","status":"publish","type":"post","link":"https:\/\/ikimisli.tr\/index.php\/2025\/09\/11\/bankada-parasi-olanlara-kotu-haber-bankalar-mevduata-verdigi-faizi-dusurdu\/","title":{"rendered":"Bankada paras\u0131 olanlara k\u00f6t\u00fc haber! Bankalar mevduata verdi\u011fi faizi d\u00fc\u015f\u00fcrd\u00fc!"},"content":{"rendered":"

Mevduat faizleri, Merkez Bankas\u0131\u2019n\u0131n yar\u0131n ger\u00e7ekle\u015ftirece\u011fi kritik Para Politikas\u0131 Kurulu (PPK) toplant\u0131s\u0131 \u00f6ncesinde bankalar\u0131n ata\u011f\u0131yla geriledi. Piyasan\u0131n bekledi\u011fi 200 baz puanl\u0131k indirimi \u00f6nden fiyatlayan kimi bankalar, mevduat faiz oranlar\u0131n\u0131 \u015fimdiden a\u015fa\u011f\u0131 \u00e7ekti. Bilhassa 100 bin liraya kadar olan 32 g\u00fcn vadeli mevduatlarda faizler y\u00fczde 40\u2019\u0131n alt\u0131na inerken, siyaset faizi ise h\u00e2l\u00e2 y\u00fczde 43 d\u00fczeyinde bulunuyor. Bu geli\u015fme, hem bankalar\u0131n Merkez kararlar\u0131n\u0131 \u00f6nden sat\u0131n ald\u0131\u011f\u0131n\u0131 hem de yat\u0131r\u0131mc\u0131lar\u0131n mevduat tercihlerinde yeni bir periyoda girildi\u011fini g\u00f6steriyor.<\/p>\n

MEVDUAT FA\u0130ZLER\u0130 HAFTAYA 2 PUAN D\u00dc\u015e\u00dc\u015eLE BA\u015eLADI<\/b><\/p>\n

Ekonomim’den \u015eebnem Turhan’\u0131n aktard\u0131\u011f\u0131na nazaran bankac\u0131l\u0131k b\u00f6l\u00fcm\u00fc mevduat faiz oranlar\u0131nda Merkez Bankas\u0131 Para Siyaseti Kurulu\u2019nu beklemeden ayarlama yapt\u0131. Kimi bankalarda Merkez Bankas\u0131\u2019n\u0131n yar\u0131nki Para Politikas\u0131 Kurulu toplant\u0131s\u0131nda piyasa beklentisi olan 200 baz puanl\u0131k indirim \u00e7abucak devreye al\u0131nd\u0131. Hatta kimi bankalarda 100 bin liraya kadar mevduatta 32 g\u00fcn vadede bile mevduat faiz oran\u0131 y\u00fczde 40\u2019\u0131n alt\u0131na geriledi. \u015eu an siyaset faiz oran\u0131 y\u00fczde 43 d\u00fczeyinde bulunuyor.<\/p>\n

Merkez Bankas\u0131\u2019n\u0131n bu y\u0131l \u00e7abucak hemen her PPK toplant\u0131s\u0131 kritik ge\u00e7ti. Yar\u0131nki toplant\u0131 da artan siyasi tansiyonlar ve yeni siyasi gerginliklere hamile bir ortamda toplan\u0131yor. Bunun yan\u0131 s\u0131ra global piyasalarda da hareketlilik var. Anketler 200 baz puan indirimle siyaset faizinin y\u00fczde 43\u2019ten y\u00fczde 41\u2019e \u00e7ekilmesi taraf\u0131nda a\u011f\u0131rla\u015f\u0131yor. Lakin daha temkinli gitmek isterse Merkez Bankas\u0131 indirim oran\u0131 100-150 baz puana kadar d\u00fc\u015febilir. Ge\u00e7en haftadan evvel piyasa 300 baz puan indirim fiyatl\u0131yordu, uzmanlar hala daha enflasyonun 300 baz puan indirim i\u00e7in alan sa\u011flad\u0131\u011f\u0131n\u0131 vurgulasa da siyasi gerginliklerin buna \u00e7ok imkan vermeyece\u011fi g\u00f6r\u00fc\u015f\u00fcnde.<\/p>\n

VADELER\u0130N B\u0130RDEN FAZLA Y\u00dcZDE 40’IN ALTINA D\u00dc\u015eT\u00dc<\/b><\/p>\n

Bankac\u0131l\u0131k kesiminde mevduat faiz oranlar\u0131 da Merkez Bankas\u0131\u2019n\u0131n indirim d\u00f6ng\u00fcs\u00fcne nazaran hareket ediyor. Kredi faiz oranlar\u0131 uygulanan makroihtiyati \u00f6nlemler ve k\u0131s\u0131tlamalar nedeniyle siyaset faiz indirimlerini geriden takip etse de mevduat faiz oranlar\u0131na \u00e7abucak hemen t\u0131pk\u0131 oranda yans\u0131yor indirimler. Bankac\u0131l\u0131k dal\u0131 bu defa Merkez Bankas\u0131\u2019n\u0131n siyaset faizinde yapaca\u011f\u0131 \u00f6ng\u00f6r\u00fclen 200 baz puanl\u0131k indirimi beklemeden harekete ge\u00e7ti. Kimi bankalar ge\u00e7en haftaya nazaran mevduat faiz oranlar\u0131n\u0131 200 baz puan a\u015fa\u011f\u0131ya \u00e7ekti. Siyaset faizi inmeden mevduat faiz oranlar\u0131 indirildi.<\/p>\n

32 G\u00dcNL\u00dcK VADEL\u0130 100 B\u0130N L\u0130RANIN MEVDUAT GET\u0130R\u0130S\u0130<\/b><\/p>\n

Bankalar\u0131n internet sitelerinde ilan ettikleri mevduat faiz oranlar\u0131na nazaran 100 bin liraya kadar mevduata 32 ay vadede en d\u00fc\u015f\u00fck faiz oran\u0131 veren banka y\u00fczde 35,5 ile \u0130\u015f Bankas\u0131. \u0130\u015f Bankas\u0131\u2019n\u0131 y\u00fczde 36 faiz oran\u0131 ile Vak\u0131fbank, y\u00fczde 38 ile Ziraat Bankas\u0131 y\u00fczde 38,5 ile TEB izliyor. Bu bankalarda 32 g\u00fcn vadeye bile y\u00fczde 40\u2019\u0131n alt\u0131nda mevduat faiz oran\u0131 uygulanmaya ba\u015flamas\u0131 dikkat \u00e7ekti. Fibabanka y\u00fczde 40, Yap\u0131 Kredi y\u00fczde 41, Garanti BBVA ve Akbank y\u00fczde 43,5, Halkbank y\u00fczde 44, Denizbank ise y\u00fczde 45 faiz oranlar\u0131 verdi\u011fini ilan ediyor internet sitelerinde. O denli ki bankalar ortas\u0131nda 32 g\u00fcn vadeli mevduata faiz oran\u0131 neredeyse 10 puana yak\u0131n ayr\u0131\u015f\u0131yor.<\/p>\n

<\/p>\n

100 B\u0130N L\u0130RANIN 46 G\u00dcNL\u00dcK GET\u0130R\u0130S\u0130 Y\u00dcZDE 40’IN ALTINA D\u00dc\u015eT\u00dc<\/b><\/p>\n

92 g\u00fcn vadede bankalar farkl\u0131la\u015f\u0131yor 46 g\u00fcn vadede y\u00fczde 40\u2019\u0131n alt\u0131na bankac\u0131l\u0131k kesimi temmuz ay\u0131ndaki siyaset faiz indirimi sonras\u0131nda inmi\u015flerdi. Bir\u00e7ok banka hala daha 100 bin liraya mevduata y\u00fczde 40\u2019\u0131n alt\u0131nda faiz oran\u0131 vermeye devam ediyor. Halkbank y\u00fczde 36, Garanti BBVA y\u00fczde 39,75, Yap\u0131 Kredi y\u00fczde 39, Ziraat Bankas\u0131 y\u00fczde 36, \u0130\u015f Bankas\u0131 y\u00fczde 34, TEB y\u00fczde 35, Akbank y\u00fczde 33, Fibabanka y\u00fczde 30, Vak\u0131fbank y\u00fczde 34 faiz \u00f6neriyor 100 bin liraya 46 g\u00fcn vadede. Takip edilen bankalar ortas\u0131nda Denizbank y\u00fczde 42,75, QNB y\u00fczde 41,5 faiz oran\u0131 ile y\u00fczde 40\u2019\u0131n \u00fczerinde kalmaya devam etti.<\/p>\n

BANKALAR 100 B\u0130N L\u0130RANIN 92 G\u00dcNL\u00dcK GET\u0130R\u0130S\u0130NDE AYRI\u015eTI<\/b><\/p>\n

100 bin liraya 92 g\u00fcn vadede ise faiz oranlar\u0131 bankalarda epey ayr\u0131\u015f\u0131yor. Halkbank y\u00fczde 35 faiz \u00f6nerirken 92 g\u00fcn vadeli mevduata Akbank y\u00fczde 42 verebiliyor. Garanti BBVA y\u00fczde 41,5, Ziraat Bankas\u0131 y\u00fczde 36, \u0130\u015f Bankas\u0131 y\u00fczde 33, Denizbank ve Vak\u0131fbank y\u00fczde 34,5, TEB y\u00fczde 35, QNB y\u00fczde 37,5, Yap\u0131 Kredi y\u00fczde 38,75, Fibabanka y\u00fczde 37,5 faiz oran\u0131 uyguluyor.<\/p>\n

MEVDUAT FA\u0130Z ORANLARI ENFLASYONUN \u00dcZER\u0130NDE<\/b><\/p>\n

Merkez Bankas\u0131\u2019n\u0131n enflasyonla u\u011fra\u015fta ger\u00e7ek bedelli TL en de\u011ferli ara\u00e7lar\u0131ndan biri. \u00d6n\u00fcm\u00fczdeki periyotta de bunu s\u00fcrd\u00fcrmeyi planlayan Merkez Bankas\u0131\u2019n\u0131n elini TL yat\u0131r\u0131m ara\u00e7lar\u0131na ilginin artmas\u0131 da g\u00fc\u00e7lendiriyor. TL mevduat faiz oranlar\u0131 gerilese de enflasyonun \u00fczerinde kalmaya devam ediyor lakin uzmanlar yat\u0131r\u0131mc\u0131lar\u0131n ruhsal olarak da standart TL mevduattan uzakla\u015fabilece\u011fine dikkat \u00e7ekiyor. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) datalar\u0131na nazaran standart TL mevduat hacmi 29 A\u011fustos ile biten hafta itibariyle 14 trilyon 535,8 milyar lira d\u00fczeyinde. 23 trilyon 962,2 milyar lira olan toplam mevduat i\u00e7indeki hissesi ise standart TL mevduat\u0131n y\u00fczde 60,66 ile son y\u0131llar\u0131n en y\u00fcksek d\u00fczeylerinde kalmaya devam ediyor. Bunun yan\u0131 s\u0131ra art\u0131r\u0131lan stopaj oranlar\u0131 da \u015fu an yat\u0131r\u0131mc\u0131lar\u0131n standart TL mevduat ilgisini d\u00fc\u015f\u00fcrm\u00fc\u015f g\u00f6r\u00fcnm\u00fcyor.<\/p>\n","protected":false},"excerpt":{"rendered":"

Merkez Bankas\u0131’n\u0131n eyl\u00fcl ay\u0131 faizi yar\u0131n a\u00e7\u0131klanacak. Beklentilere nazaran TCMB siyaset faizini 200 baz puan indirecek. Bankalar PPK’nin y\u00fczde 43 olan siyaset faizini 200 baz puan indirerek y\u00fczde 41’e \u00e7ekmesi bekliyor. Kimi bankalar yeni haftaya PPK’nin karar\u0131n\u0131 beklemeden 200 baz puan indirimle ba\u015flad\u0131.<\/p>\n","protected":false},"author":1,"featured_media":80021,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[1028,1763,1331,1814,9123],"class_list":["post-80020","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankalar","tag-faiz-orani","tag-indirim","tag-mevduat","tag-mevduat-faiz-oranlari"],"_links":{"self":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/80020","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=80020"}],"version-history":[{"count":1,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/80020\/revisions"}],"predecessor-version":[{"id":80023,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/80020\/revisions\/80023"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media\/80021"}],"wp:attachment":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media?parent=80020"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/categories?post=80020"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/tags?post=80020"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}