{"id":166062,"date":"2022-12-29T12:04:07","date_gmt":"2022-12-29T09:04:07","guid":{"rendered":"https:\/\/www.enerjigazetesi.ist\/?p=166062"},"modified":"2022-12-29T12:06:09","modified_gmt":"2022-12-29T09:06:09","slug":"tuketici-kredileri-tutari-son-bir-yilda-yuzde-36-artti","status":"publish","type":"post","link":"https:\/\/www.enerjigazetesi.ist\/en\/tuketici-kredileri-tutari-son-bir-yilda-yuzde-36-artti\/","title":{"rendered":"(Turkish) T\u00fcketici Kredileri Tutar\u0131 Son Bir Y\u0131lda % 36 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

Yap\u0131lan ara\u015ft\u0131rmaya g\u00f6re, kullan\u0131lan t\u00fcketici kredi tutar\u0131 son bir y\u0131lda y\u00fczde 36 art\u0131\u015f g\u00f6sterdi. Son bir y\u0131ll\u0131k enflasyon oran\u0131 dikkate al\u0131narak yap\u0131lan hesaplamaya g\u00f6re konut kredilerinde daralma olurken ta\u015f\u0131t kredilerindeki art\u0131\u015f dikkat \u00e7ekti. 2022 y\u0131l\u0131nda t\u00fcketici kredilerinin oransal da\u011f\u0131l\u0131m\u0131na bak\u0131ld\u0131\u011f\u0131nda % 62\u2019lik oranla en geni\u015f pay\u0131 ihtiya\u00e7 kredisi olu\u015ftururken konut kredisinin pay\u0131 % 5 d\u00fc\u015ferek y\u00fczde 34\u2019e geriledi.<\/strong> Ta\u015f\u0131t kredisi ise ge\u00e7en y\u0131la g\u00f6re pay\u0131n\u0131 y\u00fczde 2 oran\u0131nda art\u0131rarak % 4 pay ald\u0131.<\/strong><\/h2>\n

2022 y\u0131l\u0131nda bir\u00e7ok vatanda\u015f kredi kullanmay\u0131 s\u00fcrd\u00fcrd\u00fc. Ge\u00e7en y\u0131la g\u00f6re, kullan\u0131lan t\u00fcketici kredisi tutar\u0131 y\u00fczde 36 artt\u0131. Kar\u015f\u0131la\u015ft\u0131rma sitesi\u00a0encazip.com<\/a>, t\u00fcketici kredilerinin kullan\u0131m alanlar\u0131na g\u00f6re kredi art\u0131\u015f oranlar\u0131n\u0131 ara\u015ft\u0131rd\u0131.\u00a0\u0130\u015fte 2022 y\u0131l\u0131nda t\u00fcketici kredi kullan\u0131m\u0131n\u0131n son durumu:<\/span><\/p>\n

Ta\u015f\u0131t kredilerindeki art\u0131\u015f ilk s\u0131rada<\/strong><\/h3>\n

T\u00fcketici kredileri son bir y\u0131lda TL baz\u0131nda toplamda y\u00fczde 36 art\u0131\u015f g\u00f6sterdi. En y\u00fcksek art\u0131\u015f y\u00fczde 217\"\" ile ta\u015f\u0131t kredilerinde g\u00f6r\u00fcl\u00fcrken ihtiya\u00e7 kredilerindeki art\u0131\u015f y\u00fczde 40, konut kredilerindeki art\u0131\u015f ise y\u00fczde 21 oldu. Enflasyondan ar\u0131nd\u0131r\u0131lan t\u00fcketici kredileri verilerine bak\u0131ld\u0131\u011f\u0131nda ise 2022 y\u0131l\u0131nda, 2021\u2019e g\u00f6re y\u00fczde 26 d\u00fc\u015f\u00fc\u015f ya\u015fand\u0131. Ta\u015f\u0131t kredisinde enflasyondan ar\u0131nd\u0131r\u0131lan rakamlarda da yine y\u00fczde 72 y\u00fckseli\u015f g\u00f6r\u00fcl\u00fcrken konut kredisi kullan\u0131m\u0131nda y\u00fczde 34, ihtiya\u00e7 kredilerinde ise y\u00fczde 24 d\u00fc\u015f\u00fc\u015f izlendi. ABD dolar\u0131 baz\u0131nda ise 2021 y\u0131l\u0131na g\u00f6re toplamda y\u00fczde 1 art\u0131\u015f g\u00f6r\u00fcld\u00fc. Ta\u015f\u0131t kredisi dolar baz\u0131nda y\u00fczde 135 art\u0131\u015f g\u00f6sterirken konut kredisinde y\u00fczde 10\u2019luk bir d\u00fc\u015f\u00fc\u015f ya\u015fand\u0131. \u0130htiya\u00e7 kredisinde ise y\u00fczde 4\u2019l\u00fck bir art\u0131\u015f g\u00f6r\u00fcld\u00fc.<\/p>\n

Konut kredileri d\u00fc\u015ft\u00fc, ta\u015f\u0131t kredileri artt\u0131<\/strong><\/h3>\n

2021 y\u0131l\u0131nda t\u00fcketici kredilerinin t\u00fcr\u00fcne g\u00f6re oransal da\u011f\u0131l\u0131m\u0131na bak\u0131ld\u0131\u011f\u0131nda y\u00fczde 60 oranla\u00a0ihtiya\u00e7 kredisi<\/strong>\u00a0pay al\u0131yor, onu y\u00fczde 39 ile konut kredisi takip ediyordu. Y\u00fczde 2\u2019sini ise ta\u015f\u0131t kredileri olu\u015fturdu. 2022 y\u0131l\u0131n\u0131n oransal da\u011f\u0131l\u0131m\u0131na bak\u0131ld\u0131\u011f\u0131nda ise 2021 ile paralel \u015fekilde y\u00fczde 62\u2019lik oranla en geni\u015f pay\u0131 ihtiya\u00e7 kredileri olu\u015ftururken konut kredilerinin pay\u0131 y\u00fczde 5 d\u00fc\u015ferek y\u00fczde 34\u2019e geriledi. Ta\u015f\u0131t kredisi ise pay\u0131n\u0131 y\u00fczde 2 oran\u0131nda art\u0131rarak y\u00fczde 4 pay ald\u0131. Konut kredilerinde dolar bazl\u0131 ve enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f verilere bakt\u0131\u011f\u0131m\u0131zda daralma izlenirken ta\u015f\u0131t kredilerindeki art\u0131\u015f dikkat \u00e7ekti. Ta\u015f\u0131t kredisi 981 milyon dolardan 2.3 milyar dolara y\u00fckseldi. Toplam\u00a0konut kredisi<\/strong>\u00a0kullan\u0131m\u0131 ise 21 milyar dolardan 19.2 milyar dolara d\u00fc\u015ft\u00fc. \u0130htiya\u00e7 kredisinin ise 33.2 milyar dolardan 34.5 milyar dolara y\u00fckseldi\u011fi g\u00f6r\u00fcld\u00fc.<\/p>\n

T\u00fcketici kredilerindeki art\u0131\u015f enflasyonun yar\u0131s\u0131ndan d\u00fc\u015f\u00fck<\/strong><\/h3>\n

2022 y\u0131l\u0131n\u0131n Kas\u0131m ay\u0131<\/strong> i\u00e7in T\u00fcrkiye \u0130statistik Kurumu (T\u00dc\u0130K)<\/strong> taraf\u0131ndan a\u00e7\u0131klanan y\u0131ll\u0131k enflasyon oran\u0131 y\u00fczde 84,39<\/strong> olmu\u015ftu. Bu durumu yorumlayan encazip.com finans uzmanlar<\/strong>\u0131, t\u00fcketici kredilerindeki art\u0131\u015f\u0131n enflasyon oran\u0131n\u0131n \u00e7ok alt\u0131nda kalmas\u0131n\u0131n t\u00fcketici taraf\u0131nda ciddi bir kredi daralmas\u0131 ya\u015fanmas\u0131 olarak yorumlanabilece\u011fini ifade etti. Encazip.com taraf\u0131ndan aktar\u0131lan bilgilere g\u00f6re t\u00fcketici kredileri, genellikle t\u00fcketicilerin acil ihtiya\u00e7lar\u0131, ta\u015f\u0131t veya konut almalar\u0131<\/strong> i\u00e7in \u00e7ekilir ve fiyatlar\u0131 ortalama enflasyon oran\u0131 kadar y\u00fckselmi\u015f \u00fcr\u00fcn veya hizmetlerin al\u0131nmas\u0131 i\u00e7in kullan\u0131l\u0131r. \u00dcr\u00fcn ve hizmet fiyatlar\u0131n\u0131n ortalama % 84,39<\/strong> artt\u0131\u011f\u0131 bir ekonomide t\u00fcketici kredisi kullan\u0131m\u0131n\u0131n y\u00fczde 36 ile s\u0131n\u0131rl\u0131 kalmas\u0131, t\u00fcketicilerin \u00e7ok daha az kredi kulland\u0131\u011f\u0131 anlam\u0131na geliyor. Bunun nedeni talep taraf\u0131ndaki daralma olabilirken bankalar taraf\u0131ndan piyasaya daha az kredi verilmesi olarak da yorumlanabilir. Her iki durumda da t\u00fcketici kredisi kullan\u0131m\u0131n\u0131n enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f verilerindeki y\u00fczde 26\u2019l\u0131k reel gerileme, ekonomide bir daralma oldu\u011funun i\u015fareti olarak yorumlan\u0131yor.<\/p>\n

Ta\u015f\u0131t kredilerindeki art\u0131\u015f dikkat \u00e7ekiyor<\/strong><\/h3>\n

Toplam ta\u015f\u0131t kredilerindeki art\u0131\u015f ge\u00e7ti\u011fimiz y\u0131l\u0131n ayn\u0131 d\u00f6nemine k\u0131yasla TL baz\u0131nda y\u00fczde 217\u2019lik bir art\u0131\u015f g\u00f6sterirken enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f verilere g\u00f6re bu art\u0131\u015f y\u00fczde 72, dolar baz\u0131ndaki art\u0131\u015f ise y\u00fczde 135 oldu. Bu veriler, ilk bak\u0131ld\u0131\u011f\u0131nda \u00e7ok daha fazla ta\u015f\u0131t sat\u0131ld\u0131\u011f\u0131 \u015feklinde yorumlanabilirken toplam otomobil ve hafif ticari ara\u00e7 sat\u0131\u015f rakamlar\u0131na bak\u0131ld\u0131\u011f\u0131nda ise durumun b\u00f6yle olmad\u0131\u011f\u0131 g\u00f6zlemleniyor. Otomotiv Distrib\u00fct\u00f6rleri ve Mobilite Derne\u011finin (ODMD)<\/strong> a\u00e7\u0131klad\u0131\u011f\u0131 verilere g\u00f6re 2021 y\u0131l\u0131n\u0131n Ocak – Kas\u0131m d\u00f6nemleri<\/strong>nde 518 bin 294 otomobil<\/strong> ile 156 bin 813 hafif ticari ara\u00e7 sat\u0131\u015f\u0131<\/strong> ile bu segmentteki toplam ara\u00e7 sat\u0131\u015f\u0131 675 bin 107 olarak g\u00f6r\u00fclm\u00fc\u015ft\u00fc. 2022 y\u0131l\u0131n\u0131n ayn\u0131 d\u00f6nemi i\u00e7in toplam otomobil ve hafif ticari ara\u00e7 sat\u0131\u015f adeti 668 bin 063 seviyesine geriledi. Otomobil ve hafif ticari ara\u00e7 sat\u0131\u015flar\u0131nda ya\u015fanan y\u00fczde 1\u2019lik d\u00fc\u015f\u00fc\u015f\u00fcn yan\u0131nda \u00f6zellikle dolar baz\u0131nda ta\u015f\u0131t kredilerinin y\u00fczde 135 art\u0131\u015f g\u00f6stermi\u015f olmas\u0131n\u0131 yorumlayan encazip.com finans uzmanlar\u0131, de\u011ferlendirmelerini \u015fu \u015fekilde yapt\u0131: \u201cTa\u015f\u0131t kredilerinin ge\u00e7ti\u011fimiz y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re ciddi bir oranda artt\u0131\u011f\u0131n\u0131 ancak toplam sat\u0131\u015flar\u0131n ufak bir oranla da olsa geriledi\u011fini rahatl\u0131kla g\u00f6rebiliyoruz. Ta\u015f\u0131t fiyatlar\u0131n\u0131n hem yabanc\u0131 para cinsi hem de TL cinsinde artt\u0131\u011f\u0131 bir ger\u00e7ek. Otomobil fiyatlar\u0131nda ortalama y\u00fczde 50 art\u0131\u015f oldu\u011fu ifade edilirken \u00f6zellikle kurdaki y\u00fckseli\u015f nedeniyle y\u0131l\u0131n \u00f6nemli bir b\u00f6l\u00fcm\u00fcnde y\u00fcksek \u00d6TV s\u0131n\u0131f\u0131na giren ara\u00e7lar\u0131n say\u0131s\u0131 artt\u0131. T\u00fcm bu veriler \u0131\u015f\u0131\u011f\u0131nda ta\u015f\u0131t kredilerindeki art\u0131\u015f\u0131, d\u00fc\u015f\u00fck faizli kredileri de\u011ferlendiren t\u00fcketicilerin daha fazla ta\u015f\u0131t kredisine y\u00f6nelmesi olarak yorumluyoruz. Bu y\u0131l\u0131n aral\u0131k ay\u0131 i\u00e7in ise bankalar\u0131n ta\u015f\u0131t kredileri kampanyalar\u0131nda ciddi bir yava\u015flama g\u00f6zlemledi\u011fimizi de eklemek gerekir.\u201d<\/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. Yap\u0131lan ara\u015ft\u0131rmaya g\u00f6re, kullan\u0131lan t\u00fcketici kredi tutar\u0131 son bir y\u0131lda y\u00fczde 36 art\u0131\u015f g\u00f6sterdi. Son bir y\u0131ll\u0131k enflasyon oran\u0131 dikkate al\u0131narak yap\u0131lan […]<\/p>\n","protected":false},"author":1,"featured_media":166064,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[51,53],"tags":[63920,106980,55877,106981,61639],"views":43,"_links":{"self":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/166062"}],"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=166062"}],"version-history":[{"count":0,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/166062\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media\/166064"}],"wp:attachment":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media?parent=166062"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/categories?post=166062"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/tags?post=166062"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}