{"id":172453,"date":"2023-04-05T15:43:32","date_gmt":"2023-04-05T12:43:32","guid":{"rendered":"https:\/\/www.enerjigazetesi.ist\/?p=172453"},"modified":"2023-04-05T15:48:35","modified_gmt":"2023-04-05T12:48:35","slug":"kredi-borclanmalari-yuzde-53-artti","status":"publish","type":"post","link":"https:\/\/www.enerjigazetesi.ist\/en\/kredi-borclanmalari-yuzde-53-artti\/","title":{"rendered":"(Turkish) Kredi Bor\u00e7lanmalar\u0131 % 53 Artt\u0131"},"content":{"rendered":"<p class=\"qtranxs-available-languages-message qtranxs-available-languages-message-en\">Sorry, this entry is only available in <a href=\"https:\/\/www.enerjigazetesi.ist\/tr\/wp-json\/wp\/v2\/posts\/172453\" class=\"qtranxs-available-language-link qtranxs-available-language-link-tr\" title=\"Turkish\">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><\/p>\n<h2>T\u00fcrkiye\u2019de kredi kullan\u0131m oranlar\u0131ndaki art\u0131\u015f 2023\u2019te de devam etti. Kar\u015f\u0131la\u015ft\u0131rma sitesi encazip.com\u2019un yapt\u0131\u011f\u0131 ara\u015ft\u0131rmaya g\u00f6re, kredi bor\u00e7lanmalar\u0131 ge\u00e7en y\u0131la oranla y\u00fczde 53 artt\u0131. T\u00fcketici kredilerinde (konut, ta\u015f\u0131t ve ihtiya\u00e7 kredisi) y\u00fczde 57\u2019lik bir art\u0131\u015f g\u00f6r\u00fcl\u00fcrken bireysel kredi kart\u0131 bor\u00e7lanmalar\u0131 da y\u00fczde 146 artt\u0131.<\/h2>\n<p>T\u00fcrkiye\u2019de toplam kredi bor\u00e7lanmalar\u0131 ge\u00e7en y\u0131la g\u00f6re T\u00fcrk liras\u0131 cinsinden<strong> y\u00fczde 53<\/strong> artt\u0131. <img loading=\"lazy\" class=\"alignright wp-image-172456\" src=\"https:\/\/www.enerjigazetesi.ist\/wp-content\/uploads\/2023\/04\/1680683616_kredi_borclanma_bb_2.jpg\" alt=\"\" width=\"320\" height=\"206\" srcset=\"https:\/\/www.enerjigazetesi.ist\/wp-content\/uploads\/2023\/04\/1680683616_kredi_borclanma_bb_2.jpg 550w, https:\/\/www.enerjigazetesi.ist\/wp-content\/uploads\/2023\/04\/1680683616_kredi_borclanma_bb_2-300x193.jpg 300w, https:\/\/www.enerjigazetesi.ist\/wp-content\/uploads\/2023\/04\/1680683616_kredi_borclanma_bb_2-500x322.jpg 500w, https:\/\/www.enerjigazetesi.ist\/wp-content\/uploads\/2023\/04\/1680683616_kredi_borclanma_bb_2-78x50.jpg 78w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/>Kar\u015f\u0131la\u015ft\u0131rma sitesi encazip.com\u2019un yapt\u0131\u011f\u0131 ara\u015ft\u0131rmaya g\u00f6re, vatanda\u015flar ve kurumlar 2023 y\u0131l\u0131n\u0131n ilk \u00fc\u00e7 ay\u0131nda kredi kullanmaya devam etti. encazip.com\u2019un bu y\u0131l\u0131n ve ge\u00e7en y\u0131l\u0131n Mart ay\u0131 verileriyle yapt\u0131\u011f\u0131 kar\u015f\u0131la\u015ft\u0131rmaya g\u00f6re, <strong>2022<\/strong> y\u0131l\u0131nda toplam kredi bor\u00e7lanmalar\u0131 <strong>5 trilyon 461 milyar 657 milyon TL<\/strong> iken bu say\u0131 <strong>2023<\/strong>\u2019te <strong>8 trilyon 357 milyar 856 milyon TL<\/strong> oldu. <strong>T\u00fcketici kredileri<\/strong> ve <strong>bireysel kredi kartlar\u0131<\/strong> \u00e7er\u00e7evesinde bak\u0131ld\u0131\u011f\u0131nda bu bor\u00e7lanmalarda ise ge\u00e7en y\u0131la g\u00f6re y\u00fczde 77\u2019lik bir art\u0131\u015f g\u00f6zlendi. Toplam t\u00fcketici kredileri ve bireysel kredi kartlar\u0131 bor\u00e7lanma miktar\u0131 2022\u2019de 1 trilyon 21 milyar 256 milyon TL iken bu say\u0131 2023\u2019te 1 trilyon 805 milyar 630 milyon TL oldu.<\/p>\n<h3><strong>T\u00fcketici kredileri miktar\u0131 % 57 art\u0131\u015f g\u00f6sterdi<\/strong><\/h3>\n<p>T\u00fcketici kredi kullan\u0131m miktar\u0131 ge\u00e7en y\u0131la g\u00f6re y\u00fczde 57 artt\u0131. 2022\u2019de toplam\u00a0<strong><a href=\"https:\/\/www.encazip.com\/kredi\/ihtiyac\">t\u00fcketici kredileri<\/a>\u00a0<\/strong>tutar\u0131 797 milyar 151 milyon TL iken 2023 y\u0131l\u0131nda konut, ta\u015f\u0131t ve ihtiya\u00e7 kredi miktar\u0131 toplamda 1 trilyon 253 milyar 915 milyon TL oldu. Bunlar\u0131n 385 milyar 843 milyon TL\u2019si konut, 62 milyar 28 milyon TL\u2019sini ta\u015f\u0131t, 805 milyar 43 milyon TL\u2019sini\u00a0<strong><a href=\"https:\/\/www.encazip.com\/kredi\/ihtiyac\">ihtiya\u00e7 kredisi<\/a> <\/strong>olu\u015fturdu.<\/p>\n<h3><strong>Bireysel kredi kart\u0131 bor\u00e7lanmalar\u0131 y\u00fczde 146 artt\u0131<\/strong><\/h3>\n<p>Bireysel kredi kart\u0131 bor\u00e7lanmas\u0131 ise ge\u00e7en y\u0131la g\u00f6re y\u00fczde 146 oran\u0131nda artt\u0131. 2023\u2019te\u00a0<strong><a href=\"https:\/\/www.encazip.com\/kredi\/kredi-karti\">bireysel kredi kart\u0131<\/a>\u00a0<\/strong>bor\u00e7lanmas\u0131 551 milyar 714 milyon TL oldu. 2022 y\u0131l\u0131nda taksitli kredi kart\u0131 bor\u00e7lanmas\u0131 y\u00fczde 210\u2019luk rekor bir art\u0131\u015fla 89 milyar 764 milyon TL\u2019den 278 milyar 570 milyon TL\u2019ye y\u00fckseldi. 2022\u2019de taksitsiz kredi kart\u0131 bor\u00e7lanmas\u0131 134 milyar 340 milyon TL iken 2023\u2019te 273 milyar 143 milyon TL olarak kay\u0131tlara ge\u00e7ti.<\/p>\n<h3><strong>Kurumsal kredi kart\u0131 bor\u00e7lanmalar\u0131nda da art\u0131\u015f ya\u015fand\u0131<\/strong><\/h3>\n<p>Kurumsal kredi kart\u0131 bor\u00e7lanmalar\u0131na bak\u0131ld\u0131\u011f\u0131nda ge\u00e7en y\u0131la g\u00f6re y\u00fczde 135\u2019lik bir art\u0131\u015f g\u00f6r\u00fcld\u00fc. 2022\u2019de kurumsal kredi kart\u0131 bor\u00e7lanmas\u0131 <strong>110 milyar 943 milyon TL<\/strong> iken <strong>2023\u2019te<\/strong> bu rakam <strong>260 milyar 953 milyon TL<\/strong>\u2019ye y\u00fckseldi. 2023\u2019te taksitli kurumsal kredi kart\u0131 bor\u00e7lanmas\u0131 144 milyar 396 milyon TL olurken taksitsiz kurumsal kredi kart\u0131 bor\u00e7lanmas\u0131 116 milyar 556 milyon TL oldu.<\/p>\n<h3><strong>Ticari kredilerin hacmi 1 trilyon 282 milyon TL oldu<\/strong><\/h3>\n<p>Kar\u015f\u0131la\u015ft\u0131rma d\u00f6neminde toplam ticari kredilerdeki art\u0131\u015f y\u00fczde 48 ile s\u0131n\u0131rl\u0131 kald\u0131. 2022\u2019de 850 milyar 754 milyon TL olan ticari kredilerin hacmi 1 trilyon 282 milyon TL\u2019ye y\u00fckseldi. KOB\u0130 kredilerinde de y\u00fczde 87\u2019lik bir art\u0131\u015f g\u00f6ze \u00e7arpt\u0131. 2022\u2019de toplam <strong>KOB\u0130 kredi bor\u00e7lanmalar\u0131<\/strong> 1 trilyon 228 milyar 731 milyon iken 2023\u2019te bu say\u0131 2 trilyon 298 milyar 936 milyon TL oldu. D\u00f6viz endeksli kredilere bak\u0131ld\u0131\u011f\u0131nda ise y\u00fczde 30\u2019luk bir d\u00fc\u015f\u00fc\u015f g\u00f6zlendi. 2022\u2019de d\u00f6viz endeksli kredi bor\u00e7lanmas\u0131 3 milyar 524 milyon TL iken 2023\u2019te bu say\u0131 2 milyar 466 milyon TL\u2019ye d\u00fc\u015ft\u00fc.<\/p>\n<h3><strong>Ticari kredilerdeki art\u0131\u015f t\u00fcketici kredilerde art\u0131\u015fa g\u00f6re s\u0131n\u0131rl\u0131 kald\u0131<\/strong><\/h3>\n<p>2022 y\u0131l\u0131 ile i\u00e7inde bulundu\u011fumuz 2023 y\u0131l\u0131n\u0131n kredi verilerini analiz eden <em>encazip.com kurucusu ve tasarruf uzman\u0131<\/em> <strong>\u00c7a\u011fada K\u0131r\u0131m<\/strong>, resmi enflasyonun <strong>y\u00fczde 50\u2019ler<\/strong> seviyesinde oldu\u011fu d\u00f6nemde t\u00fcketici kredilerindeki art\u0131\u015f\u0131n enflasyonun \u00fczerinde kald\u0131\u011f\u0131n\u0131n ve reel olarak bor\u00e7lanman\u0131n artt\u0131\u011f\u0131n\u0131n alt\u0131n\u0131 \u00e7izerek <strong>ticari kredilerdeki art\u0131\u015f\u0131n enflasyona paralel seyretti\u011fini<\/strong> ifade etti. K\u0131r\u0131m, yorumlar\u0131na \u015fu \u015fekilde devam etti: <em>\u201cGe\u00e7en y\u0131l ile bu y\u0131l\u0131n ilk \u00e7eyrek kredi hacimlerine bakt\u0131\u011f\u0131m\u0131zda t\u00fcketici kredilerinde <strong>y\u00fczde 77\u2019lik<\/strong> bir art\u0131\u015f g\u00f6r\u00fcn\u00fcyor ancak <strong>ticari kredilerdeki art\u0131\u015f<\/strong> sadece<strong> y\u00fczde 48<\/strong> olmu\u015f. Sadece bu verilerden yola \u00e7\u0131karak yat\u0131r\u0131mlar\u0131n azald\u0131\u011f\u0131n\u0131 ancak t\u00fcketimin artt\u0131\u011f\u0131n\u0131 rahatl\u0131kla ifade edebiliriz. Y\u0131l\u0131n ilk \u00e7eyre\u011finde \u00fclke olarak ya\u015fad\u0131\u011f\u0131m\u0131z afetin bunda k\u0131smi etkisi oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyoruz zira Ocak d\u00f6nemindeki veriler de t\u00fcketimde h\u0131zlanman\u0131n yat\u0131r\u0131mlarda ise yava\u015flaman\u0131n sinyalini veriyordu.\u201d<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>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. T\u00fcrkiye\u2019de kredi kullan\u0131m oranlar\u0131ndaki art\u0131\u015f 2023\u2019te de devam etti. Kar\u015f\u0131la\u015ft\u0131rma sitesi encazip.com\u2019un yapt\u0131\u011f\u0131 ara\u015ft\u0131rmaya g\u00f6re, kredi bor\u00e7lanmalar\u0131 ge\u00e7en y\u0131la oranla y\u00fczde 53 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":172455,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[51,53],"tags":[108733,108731,108730,108732,61639],"views":39,"_links":{"self":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/172453"}],"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=172453"}],"version-history":[{"count":0,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/172453\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media\/172455"}],"wp:attachment":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media?parent=172453"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/categories?post=172453"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/tags?post=172453"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}