Al\u0131m g\u00fcc\u00fc d\u00fc\u015fen vatanda\u015flar\u0131n kredi kart\u0131 harcamalar\u0131 rekor d\u00fczeylere ula\u015f\u0131rken kredi kart\u0131 bor\u00e7lar\u0131na da yeni yap\u0131land\u0131rma geldi. Kredi kart\u0131 bor\u00e7 yap\u0131land\u0131rmas\u0131nda vade say\u0131s\u0131 da muhakkak oldu.\u00a0<\/p>\n
Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), finansal istikrar\u0131n sa\u011flanmas\u0131na y\u00f6nelik koordineli makro ihtiyati kararlar do\u011frultusunda Ferdi Kredi Kartlar\u0131 ve Muhta\u00e7l\u0131k Kredilerinin Yine Yap\u0131land\u0131r\u0131lmas\u0131, Kredi Kartlar\u0131 ve Kredili Mevduat Hesaplar\u0131n\u0131n Limitlerinin Belirlenmesi ve Konut Kredilerinde Kredi Bedel Oran\u0131 De\u011fi\u015fikli\u011fine y\u00f6nelik d\u00fczenlemeler yapt\u0131.<\/p>\n
48 AY VADEYLE YAPILANDIRMA<\/b><\/p>\n
D\u00f6nem borcu k\u0131smen ya da b\u00fcsb\u00fct\u00fcn \u00f6denmemi\u015f ferd\u00ee kredi kartlar\u0131 ile \u00f6demesi 30 g\u00fcnden fazla gecikmi\u015f gereksinim kredilerinin, yap\u0131land\u0131rma tarihindeki bor\u00e7 bakiyelerinin, kart hamili\/bor\u00e7lu taraf\u0131ndan 3 ay i\u00e7inde talep edilmesi h\u00e2linde azami 48 ay vadeyle tekrar yap\u0131land\u0131r\u0131labilmesine imkan sa\u011fland\u0131.<\/p>\n
KRED\u0130 KARTLARI L\u0130M\u0130TLER\u0130NE DE D\u00dcZENLEME<\/b><\/p>\n
Kredi kart\u0131 limitlerine ait d\u00fczenleme kapsam\u0131nda Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Kanunu uyar\u0131nca kart hamilinin kesimdeki toplam kredi kart\u0131 limitinin, birinci y\u0131l i\u00e7in ayl\u0131k ortalama gelirin azami iki kat\u0131, ikinci y\u0131ldan sonra ise azami d\u00f6rt kat\u0131 olmas\u0131 gerekti\u011fi karar\u0131n\u0131n uygulanmas\u0131nda; yeni kredi kart\u0131 \u00e7\u0131kar\u0131lmas\u0131 yahut mevcut kredi kartlar\u0131n\u0131n limitlerinin art\u0131r\u0131lmas\u0131 s\u00fcre\u00e7lerinde s\u0131rf ayl\u0131k yahut y\u0131ll\u0131k ortalama gelirin dikkate al\u0131nmas\u0131na ve gelir seviyesinin teyidinin s\u0131rf, bankalarca geliri ispata elveri\u015fli olarak bedellendirilen dok\u00fcmanlar \u00fczerinden ger\u00e7ekle\u015ftirilmesine karar verildi.<\/p>\n
Kart hamillerinin, t\u00fcm bankalardaki toplam kart limitlerinin 400 bin TL\u2019nin \u00fczerinde olmas\u0131 halinde, son bir y\u0131l i\u00e7erisindeki en y\u00fcksek harcaman\u0131n yap\u0131ld\u0131\u011f\u0131 hesap kesim tarihindeki kullan\u0131lmayan kart limitlerinin, bankalarca k\u0131smi bir oranda azalt\u0131lmas\u0131 kararla\u015ft\u0131r\u0131ld\u0131.<\/p>\n
Bankalar taraf\u0131ndan, t\u00fcm kart hamillerinin kredi kart\u0131 limitlerinin, 1 Ocak 2027 tarihine kadar ayl\u0131k\/y\u0131ll\u0131k ortalama gelirleriyle uyumlu hale getirilmesine y\u00f6nelik belirlemeler yap\u0131ld\u0131.<\/p>\n
B\u00f6ylece birinci etapta d\u00fc\u015f\u00fck kredi kart\u0131 limitine sahip dar ve orta gelirli m\u00fc\u015fterilerin mevcut limitleri korunacak, \u00f6teki m\u00fc\u015fterilerin ise faal olarak kullanmad\u0131klar\u0131 y\u00fcksek kredi kart\u0131 limitleri, gelir seviyeleriyle uyumlu hale getirilecek.<\/p>\n
Bu bi\u00e7imde, bor\u00e7lulu\u011fun gelirle ahengi ve s\u00fcrd\u00fcr\u00fclebilir \u00f6deme performans\u0131n\u0131n sa\u011flanmas\u0131 desteklenecek.<\/p>\n
Ayr\u0131ca kredi kartlar\u0131n\u0131n doland\u0131r\u0131c\u0131l\u0131k te\u015febb\u00fcslerine mevzu edilmesi sonucunda olu\u015fabilecek t\u00fcketici ma\u011fduriyetlerinin \u00f6nlenmesine ve kullan\u0131lmayan kart limitlerinin sonland\u0131r\u0131lmas\u0131 yoluyla yasa d\u0131\u015f\u0131 bahisle \u00e7abaya katk\u0131 sa\u011flanacak.<\/p>\n","protected":false},"excerpt":{"rendered":"
BDDK taraftan yap\u0131lan kredi kart\u0131 bor\u00e7lar\u0131n\u0131n yap\u0131land\u0131rmas\u0131ndan limitlerinin de\u011fi\u015fmesine kadar yeni d\u00fczenlemeler hayata ge\u00e7irildi.<\/p>\n","protected":false},"author":1,"featured_media":96835,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[92,47,266,1832,10140],"class_list":["post-96834","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-gelir","tag-kart","tag-kredi-karti","tag-kredi-kartlari"],"_links":{"self":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/96834","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=96834"}],"version-history":[{"count":1,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/96834\/revisions"}],"predecessor-version":[{"id":96836,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/96834\/revisions\/96836"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media\/96835"}],"wp:attachment":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media?parent=96834"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/categories?post=96834"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/tags?post=96834"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}