{"id":97179,"date":"2026-02-01T22:36:06","date_gmt":"2026-02-01T22:36:06","guid":{"rendered":"https:\/\/ikimisli.tr\/?p=97179"},"modified":"2026-02-01T22:36:06","modified_gmt":"2026-02-01T22:36:06","slug":"borcluya-4-yillik-kurtarma-paketi","status":"publish","type":"post","link":"https:\/\/ikimisli.tr\/index.php\/2026\/02\/01\/borcluya-4-yillik-kurtarma-paketi\/","title":{"rendered":"Bor\u00e7luya 4 y\u0131ll\u0131k kurtarma paketi"},"content":{"rendered":"

Enflasyonlaba\u015fa \u00e7\u0131kamayan iktidar halk\u0131n gelirini art\u0131r\u0131p \u00f6deme g\u00fcc\u00fcn\u00fc art\u0131raca\u011f\u0131 yerde, birikmi\u015f bor\u00e7lar\u0131n vadesini uzatarak sorunu \u00f6teleme yoluna gitti. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun (BDDK) yay\u0131nlad\u0131\u011f\u0131 yeni d\u00fczenleme ile kredi kart\u0131 ve t\u00fcketici kredisi borcunu \u00f6deyemedi\u011fi i\u00e7in zora d\u00fc\u015fen milyonlarca \u015fahsa birikmi\u015f bor\u00e7lar\u0131n\u0131 48 ay vadeyle yap\u0131land\u0131rma imkan\u0131 getirildi.<\/p>\n

Buna nazaran, periyot borcu k\u0131smen ya da b\u00fcsb\u00fct\u00fcn \u00f6denmemi\u015f ferd\u00ee kredi kart\u0131 bor\u00e7lar\u0131, 48 ay vadeyle yine yap\u0131land\u0131r\u0131labilecek. \u00d6demesi 30 g\u00fcnden fazla gecikmi\u015f gereksinim kredisi bor\u00e7lar\u0131 da bankalar taraf\u0131ndan 48 ayl\u0131k vadeye b\u00f6l\u00fcnerek yap\u0131land\u0131r\u0131lacak. Fakat yap\u0131land\u0131rma s\u00fcreci otomatik olarak devreye girmeyecek. Yap\u0131land\u0131rmadan yararlanmak i\u00e7in en ge\u00e7 3 ay i\u00e7erisinde m\u00fcracaat gerekiyor.<\/p>\n

KARTA YEN\u0130 L\u0130M\u0130T<\/strong><\/p>\n

BDDK, kredi kart\u0131 limitlerine de yeni kural getirdi. Buna nazaran, yeni kredi kart\u0131 \u00e7\u0131kar\u0131l\u0131rken ya da mevcut kredi kart\u0131 limiti y\u00fckseltilirken kart sahibinin ayl\u0131k yahut y\u0131ll\u0131k ortalama geliri dikkate al\u0131nacak. Ortalama gelirin tespiti ise ispata elveri\u015fli dok\u00fcmanlar temel al\u0131narak bankalar taraf\u0131ndan yap\u0131lacak.<\/p>\n

\u0130spat edilemeyen gelirler dikkate al\u0131nmayacak. T\u00fcm bankalardaki toplam kart limiti 400 bin liran\u0131n \u00fczerinde olanlar\u0131n limiti, en fazla limitin kulland\u0131\u011f\u0131 ay dikkate al\u0131narak k\u0131smen azalt\u0131lacak. T\u00fcm limitler 1 Ocak 2027 tarihine kadar yeni d\u00fczenlemeye uyumlu hale getirilecek. Bu d\u00fczenlemeyle etkin kullan\u0131lmayan y\u00fcksek limitlerin doland\u0131r\u0131c\u0131l\u0131k ve yasa d\u0131\u015f\u0131 bahis \u00fczere i\u015flerde kullan\u0131lmas\u0131 \u00f6nlenecek.<\/p>\n

<\/p>\n

Kredili mevduat tuza\u011f\u0131na fren<\/span><\/b><\/p>\n

BDDK, bankalar\u0131n bol keseden kulland\u0131rarak bor\u00e7land\u0131rmaya \u00e7al\u0131\u015ft\u0131\u011f\u0131 kredili mevduat hesaplar\u0131na (KMH) y\u00f6nelik de yeni s\u0131n\u0131rlama getirdi. Buna nazaran, ferd\u00ee banka m\u00fc\u015fterilerine a\u00e7\u0131lacak KMH limiti, m\u00fc\u015fterinin ayl\u0131k ortalama gelirinin en fazla 2 kat\u0131 kadar olabilecek. Ortalama gelirin de ispata elveri\u015fli dok\u00fcmanlara dayand\u0131r\u0131lmas\u0131 gerekiyor. Bu s\u0131n\u0131rlama yaln\u0131zca bankalarla e\u011fitim kurumlar\u0131 ortas\u0131nda yap\u0131lan ve e\u011fitim \u00f6demelerini i\u00e7eren KMH\u2019larda uygulanmayacak. Bankalar kullan\u0131lmayan KMH limitleri i\u00e7in daha fazla sermaye y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc \u00fcstlenecek. \u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

Hayat pahal\u0131l\u0131\u011f\u0131 ve d\u00fc\u015f\u00fck gelir y\u00fcz\u00fcnden kredi kart\u0131 ve t\u00fcketici kredisi bor\u00e7lar\u0131n\u0131 \u00f6deyemeyen milyonlarca dar gelirliye borcunu 48 ay taksitlendirme imkan\u0131 getirildi.<\/p>\n","protected":false},"author":1,"featured_media":97180,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[1028,7069,1832,1775],"class_list":["post-97179","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankalar","tag-geliri","tag-kredi-karti","tag-limit"],"_links":{"self":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/97179","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=97179"}],"version-history":[{"count":1,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/97179\/revisions"}],"predecessor-version":[{"id":97182,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/97179\/revisions\/97182"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media\/97180"}],"wp:attachment":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media?parent=97179"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/categories?post=97179"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/tags?post=97179"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}