{"id":165601,"date":"2022-12-21T14:48:53","date_gmt":"2022-12-21T11:48:53","guid":{"rendered":"https:\/\/www.enerjigazetesi.ist\/?p=165601"},"modified":"2022-12-21T14:53:15","modified_gmt":"2022-12-21T11:53:15","slug":"bireysel-kredi-karti-borclari-gectigimiz-yila-gore-2-kat-artti","status":"publish","type":"post","link":"https:\/\/www.enerjigazetesi.ist\/en\/bireysel-kredi-karti-borclari-gectigimiz-yila-gore-2-kat-artti\/","title":{"rendered":"(Turkish) Bireysel Kredi Kart\u0131 Bor\u00e7lar\u0131 Ge\u00e7ti\u011fimiz Y\u0131la G\u00f6re 2 Kat Artt\u0131"},"content":{"rendered":"

Sorry, this entry is only available in Turkish<\/a>. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language.<\/p>

<\/p>\n

2022\u2019de T\u00fcrkiye\u2019de en \u00e7ok konu\u015fulan konulardan biri de enflasyon oldu. T\u00fcrkiye \u0130statistik Kurumunun (T\u00dc\u0130K) a\u00e7\u0131klad\u0131\u011f\u0131 kas\u0131m ay\u0131na ili\u015fkin enflasyon rakamlar\u0131na g\u00f6re, T\u00fcketici Fiyat Endeksi kas\u0131m ay\u0131nda % 2,88 artt\u0131. Y\u0131ll\u0131k enflasyon ise % 84,39 oldu. Y\u00fckselen enflasyonun al\u0131m g\u00fcc\u00fcne etkisini de\u011ferlendirmek i\u00e7in kredi kart\u0131 bor\u00e7lar\u0131n\u0131 inceleyen kar\u015f\u0131la\u015ft\u0131rma sitesi encazip.com<\/a>\u2019a g\u00f6re, vatanda\u015flar\u0131n bireysel kredi kart\u0131 borcu ge\u00e7ti\u011fimiz y\u0131la g\u00f6re TL baz\u0131nda y\u00fczde 99 artt\u0131. Taksitli kredi kart\u0131 bor\u00e7lar\u0131ndaki art\u0131\u015f oran\u0131 ise ge\u00e7en y\u0131la g\u00f6re y\u00fczde 128 y\u00fckseldi. Taksitsiz kredi kart\u0131 bor\u00e7lar\u0131ndaki art\u0131\u015f ise % 79 oran\u0131nda ger\u00e7ekle\u015fti.<\/h2>\n

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Takipteki kredi kart\u0131 bor\u00e7lar\u0131 y\u00fczde 30 art\u0131\u015f g\u00f6sterdi<\/strong><\/h3>\n

Vatanda\u015flar\u0131n takibe giren\u00a0kredi kart\u0131\u00a0<\/strong>bor\u00e7lar\u0131nda da ge\u00e7en y\u0131la g\u00f6re TL baz\u0131nda y\u00fczde 30\u2019luk bir art\u0131\u015f oldu\u011fu g\u00f6zlemlenirken ayn\u0131 veri bor\u00e7lar\u0131 y\u0131ll\u0131k ger\u00e7ekle\u015fen enflasyon oran\u0131 dikkate al\u0131narak de\u011ferlendirildi\u011finde ise y\u00fczde 42\u2019lik bir d\u00fc\u015f\u00fc\u015f, ABD dolar\u0131 baz\u0131nda ise y\u00fczde 17\u2019lik bir d\u00fc\u015f\u00fc\u015f g\u00f6ze \u00e7arpt\u0131.<\/p>\n

Enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f bor\u00e7larda art\u0131\u015f % 8<\/strong><\/h3>\n

Enflasyon 2022\u2019de de t\u00fcm d\u00fcnyan\u0131n ana g\u00fcndem konular\u0131 aras\u0131nda yer almaya devam etti. Ancak \u00fclkemiz, di\u011fer \u00fclkelerle k\u0131yasland\u0131\u011f\u0131nda negatif olarak ayr\u0131\u015f\u0131rken y\u00fcksek enflasyonun ve makroekonomik ko\u015fullar\u0131n t\u00fcketicileri daha \u00e7ok kredi kart\u0131 kullanmaya itti\u011fi g\u00f6zlemlendi. \"\"Gayrisafi\u00a0Yurti\u00e7i Has\u0131lan\u0131n (GSYH) bir \u00f6nceki y\u0131l\u0131n ayn\u0131 \u00e7eyre\u011fine bak\u0131ld\u0131\u011f\u0131nda y\u00fczde 3,9 artt\u0131\u011f\u0131 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek verilerine k\u0131yasla enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f verilere g\u00f6re toplam bireysel kredi kart\u0131 bor\u00e7lar\u0131 analiz edildi\u011finde reel art\u0131\u015f\u0131n ge\u00e7ti\u011fimiz y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 8\u2019lik oldu\u011fu g\u00f6r\u00fcld\u00fc. Kredi kart\u0131 bor\u00e7lar\u0131ndaki art\u0131\u015f\u0131n GSYH art\u0131\u015f\u0131n\u0131n yakla\u015f\u0131k iki kat\u0131 kadar olmas\u0131n\u0131n t\u00fcketicinin al\u0131m g\u00fcc\u00fcn\u00fcn d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc ve bu nedenle kredi kart\u0131na y\u00f6nelmesi \u015feklinde yorumlanabilece\u011fini ifade eden encazip.com finans uzmanlar\u0131, \u201cGe\u00e7ti\u011fimiz y\u0131l\u0131n son verileri ile 2022 y\u0131l\u0131n\u0131n g\u00fcncel verileri kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda TL baz\u0131nda 197 milyar TL olan kredi kart\u0131 bor\u00e7lar\u0131 bu y\u0131l 392 milyar TL seviyesine gelmi\u015f. Bu iki katl\u0131k bir art\u0131\u015f anlam\u0131na gelse de y\u00fcksek enflasyonlu bir d\u00f6nemde enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f verilere veya farkl\u0131 para birimlerindeki de\u011fi\u015fimlere bakmak daha do\u011fru yorum yapmam\u0131z\u0131 sa\u011flar. Ge\u00e7ti\u011fimiz y\u0131l 197 milyar TL olan toplam t\u00fcketici kart\u0131 bor\u00e7lar\u0131n\u0131n y\u0131ll\u0131k ger\u00e7ekle\u015fen enflasyon oran\u0131 dikkate al\u0131narak de\u011ferlendirildi\u011finde 362 milyar TL oldu\u011funu g\u00f6r\u00fcyoruz. Bu da reelde kredi kart\u0131 bor\u00e7lar\u0131nda y\u00fczde 8\u2019lik bir art\u0131\u015f anlam\u0131na geliyor\u201d \u015feklinde konu\u015ftu.<\/p>\n

Taksitli bor\u00e7lardaki art\u0131\u015f dikkat \u00e7ekti<\/strong><\/h3>\n

Enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f veriler k\u0131yasland\u0131\u011f\u0131nda taksitli kredi kart\u0131 bor\u00e7lar\u0131n\u0131n y\u00fczde 23 artt\u0131\u011f\u0131, normal kredi kart\u0131 bor\u00e7lar\u0131nda ise enflasyon ayarl\u0131 verilere g\u00f6re y\u00fczde 3\u2019l\u00fck bir d\u00fc\u015f\u00fc\u015f oldu\u011fu g\u00f6zlemlenirken ABD dolar\u0131 baz\u0131nda toplam taksitli kredi kart\u0131 bor\u00e7lar\u0131nda y\u00fczde 50\u2019lik bir art\u0131\u015f ya\u015fan\u0131rken taksitsiz kredi kart\u0131 bor\u00e7lar\u0131nda ise art\u0131\u015f y\u00fczde 17 ile s\u0131n\u0131rl\u0131 kald\u0131.<\/p>\n

Kredi kart\u0131 harcamalar\u0131nda aslan pay\u0131 market al\u0131\u015fveri\u015finde<\/strong><\/h3>\n

Kredi kartlar\u0131n\u0131n sekt\u00f6rel da\u011f\u0131l\u0131m\u0131na bak\u0131ld\u0131\u011f\u0131nda bu y\u0131l\u0131n en g\u00fcncel Bankalararas\u0131 Kart Merkezi (BKM) verilerine g\u00f6re toplam kredi kart\u0131 harcamalar\u0131n\u0131n y\u00fczde 18\u2019i market ve al\u0131\u015fveri\u015f merkezlerinde, y\u00fczde 9\u2019u benzin ve akaryak\u0131t sekt\u00f6r\u00fcnde, y\u00fczde 7\u2019si elektrik-elektronik ve bilgisayar sekt\u00f6r\u00fcnde, yine y\u00fczde 7\u2019si giyim ve aksesuar sekt\u00f6rlerinde kullan\u0131ld\u0131. Kredi kart\u0131 kullan\u0131m\u0131n\u0131n sekt\u00f6rel da\u011f\u0131l\u0131m\u0131n\u0131n ge\u00e7ti\u011fimiz y\u0131l\u0131n ayn\u0131 d\u00f6nemi ile paralel oldu\u011fu g\u00f6zlemlendi.<\/p>\n

Kredi kart\u0131 i\u015flem adetinde y\u00fczde 26 artt\u0131<\/strong><\/h3>\n

Kredi kart\u0131 i\u015flem adetindeki art\u0131\u015f ise kredi kart\u0131 sekt\u00f6r\u00fcndeki dikkat \u00e7eken verilerden bir di\u011feri oldu. 2022 y\u0131l\u0131n\u0131n en g\u00fcncel verilerine g\u00f6re toplam kredi kart\u0131 i\u015flem adeti, ge\u00e7ti\u011fimiz y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 26\u2019l\u0131k bir art\u0131\u015fla ayl\u0131k 613 milyon adet oldu. Toplam kredi kart\u0131 say\u0131lar\u0131na bak\u0131ld\u0131\u011f\u0131nda ise 2021 y\u0131l\u0131n\u0131n ayn\u0131 ay\u0131nda dola\u015f\u0131mda 81 milyon kredi kart\u0131, 144 milyon\u00a0banka kart\u0131<\/strong> bulunurken 2022 y\u0131l\u0131n\u0131n en g\u00fcncel verilerine g\u00f6re dola\u015f\u0131mdaki toplam kredi kart\u0131 say\u0131s\u0131 94 milyona, toplam banka kart\u0131 say\u0131s\u0131 ise 162 milyona y\u00fckseldi.<\/p>","protected":false},"excerpt":{"rendered":"

Sorry, this entry is only available in Turkish. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language. 2022\u2019de T\u00fcrkiye\u2019de en \u00e7ok konu\u015fulan konulardan biri de enflasyon oldu. T\u00fcrkiye \u0130statistik Kurumunun (T\u00dc\u0130K) a\u00e7\u0131klad\u0131\u011f\u0131 kas\u0131m ay\u0131na ili\u015fkin enflasyon rakamlar\u0131na g\u00f6re, T\u00fcketici […]<\/p>\n","protected":false},"author":1,"featured_media":165604,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[51,53],"tags":[15107,26353,67777,29243,86713,71281,106848,106850,106849],"views":79,"_links":{"self":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/165601"}],"collection":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/comments?post=165601"}],"version-history":[{"count":0,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/165601\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media\/165604"}],"wp:attachment":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media?parent=165601"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/categories?post=165601"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/tags?post=165601"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}