{"id":183366,"date":"2024-01-16T16:45:36","date_gmt":"2024-01-16T13:45:36","guid":{"rendered":"https:\/\/www.enerjigazetesi.ist\/?p=183366"},"modified":"2024-01-16T16:45:53","modified_gmt":"2024-01-16T13:45:53","slug":"2023-te-kredi-borclanmalari-yuzde-54-artis-gosterdi","status":"publish","type":"post","link":"https:\/\/www.enerjigazetesi.ist\/en\/2023-te-kredi-borclanmalari-yuzde-54-artis-gosterdi\/","title":{"rendered":"(Turkish) 2023\u2019te Kredi Bor\u00e7lanmalar\u0131 Y\u00fczde 54 Art\u0131\u015f G\u00f6sterdi"},"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

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunun (BDDK) verilerine g\u00f6re, kredi bor\u00e7lanmalar\u0131\u00a0ge\u00e7en y\u0131la g\u00f6re y\u00fczde 54 artt\u0131. Bu art\u0131\u015f, T\u00fcrkiye \u0130statistik Kurumunun (T\u00dc\u0130K) a\u00e7\u0131klad\u0131\u011f\u0131 y\u0131ll\u0131k enflasyon oranlar\u0131n\u0131n alt\u0131nda kalm\u0131\u015f olmas\u0131, reel anlamda bor\u00e7lanman\u0131n azalm\u0131\u015f oldu\u011funu g\u00f6steriyor. Kar\u015f\u0131la\u015ft\u0131rma sitesi encazip.com\u2019un yapt\u0131\u011f\u0131 ara\u015ft\u0131rmaya g\u00f6re kredi bor\u00e7lanmalar\u0131, aral\u0131k ay\u0131n\u0131n son haftas\u0131nda 11 trilyon 630 milyar TL seviyesine y\u00fckseldi. Ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6neminde bu say\u0131 7 trilyon 568 milyar TL idi.<\/h2>\n

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T\u00fcketici Kredi Bor\u00e7lanmalar\u0131 Y\u00fczde 40 Artt\u0131<\/strong><\/h3>\n

Ge\u00e7ti\u011fimiz y\u0131l\u0131n ayn\u0131 d\u00f6neminde 1 trilyon 83 milyar TL olan t\u00fcketici kredileri, y\u00fczde 40\u2019l\u0131k bir art\u0131\u015fla 1 trilyon 513 milyar TL\u2019ye y\u00fckseldi. Bunun y\u00fczde 29\u2019unu konut, y\u00fczde 6,3\u2019\u00fcn\u00fc ta\u015f\u0131t, y\u00fczde 64,7\u2019sini de ihtiya\u00e7 kredileri olu\u015fturdu. T\u00fcketici kredilerinin da\u011f\u0131l\u0131m\u0131na bak\u0131ld\u0131\u011f\u0131nda ihtiya\u00e7 kredilerindeki art\u0131\u015f y\u00fczde 45\u2019le s\u0131n\u0131rl\u0131 kal\u0131rken ta\u015f\u0131t kredisi kullan\u0131m toplam\u0131n\u0131n ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 93, konut kredilerinin ise sadece y\u00fczde 21,7 artt\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc. \u00d6zellikle konut kredilerindeki bu reel durgunluk, son zamanlarda olduk\u00e7a y\u00fckselen konut fiyatlar\u0131n\u0131n gev\u015femesine yol a\u00e7aca\u011f\u0131 \u015feklinde yorumlan\u0131yor.<\/p>\n

Ticari Kredi Bor\u00e7lanmalar\u0131 Y\u00fczde Sadece 48 Art\u0131\u015f G\u00f6sterdi<\/strong><\/h3>\n

BDDK verilerine g\u00f6re ticari kredi bor\u00e7lanmalar\u0131, ge\u00e7ti\u011fimiz y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 48\u2019lik bir art\u0131\u015f g\u00f6sterdi, yani enflasyonun alt\u0131nda kalarak reel anlamda daralm\u0131\u015f oldu. Ticari ve di\u011fer krediler 2022 y\u0131l\u0131 sonunda 6 trilyon 38 milyar TL iken, ge\u00e7ti\u011fimiz aral\u0131k ay\u0131n\u0131n son haftas\u0131nda 8 trilyon 961 milyar TL\u2019ye y\u00fckseldi. Taksitli ticari kredilerin y\u00fczde 42\u2019lik art\u0131\u015fla 1 trilyon 384 milyar TL seviyesine ula\u015ft\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc. KOB\u0130 kredilerinin ise ge\u00e7en y\u0131la k\u0131yasla y\u00fczde 57 oran\u0131nda artarak 3 trilyon 175 milyar TL oldu\u011fu g\u00f6r\u00fcld\u00fc.<\/p>\n

\u201cYeni Yat\u0131r\u0131mlar \u0130\u00e7in Kredi Musluklar\u0131n\u0131n K\u0131s\u0131ld\u0131\u011f\u0131n\u0131 G\u00f6r\u00fcyoruz\u201d<\/strong><\/h3>\n

Kredi bor\u00e7lanmalar\u0131ndaki bu durumu\u00a0yorumlayan encazip.com kurucusu ve tasarruf uzman\u0131 \u00c7a\u011fada K\u0131r\u0131m, \u015funlar\u0131 s\u00f6yledi: \u201cGe\u00e7ti\u011fimiz y\u0131lla 2023\u2019\u00fc k\u0131yaslad\u0131\u011f\u0131m\u0131zda reel bor\u00e7lanman\u0131n azald\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz. Bu ilk bak\u0131\u015fta umut verici olsa da verilerin detay\u0131na indi\u011fimizde umudumuzun biraz k\u0131r\u0131ld\u0131\u011f\u0131n\u0131 s\u00f6ylemeden edemeyece\u011fim. Zira t\u00fcketici bor\u00e7lanmalar\u0131 reel anlamda artm\u0131\u015f ama ekonominin bel kemi\u011fini olu\u015fturan ticari kredilerde enflasyon d\u00fczeltmeli verilere g\u00f6re \u00f6nemli \u00f6l\u00e7\u00fcde d\u00fc\u015f\u00fc\u015f var. Bu da yeni yat\u0131r\u0131mlar i\u00e7in kredi musluklar\u0131n\u0131n k\u0131s\u0131ld\u0131\u011f\u0131n\u0131 bizlere g\u00f6steriyor. \u00d6n\u00fcm\u00fczdeki d\u00f6nemde faizlerin daha da artmas\u0131n\u0131 dolay\u0131s\u0131 ile kredi kullan\u0131m\u0131n\u0131n biraz daha yava\u015flamas\u0131n\u0131 bekliyoruz. \u015eayet krediler t\u00fcketim yerine yat\u0131r\u0131mlara yani t\u00fcketici kredileri yerine ticari kredilere kayd\u0131r\u0131l\u0131rsa t\u00fcketiciler k\u0131sa bir s\u00fcre ac\u0131 re\u00e7ete i\u00e7mek zorunda kal\u0131r ancak i\u015fin do\u011frusu yap\u0131lm\u0131\u015f ve yeni yat\u0131r\u0131mlar desteklenmi\u015f olur. \u015eahsi beklentim, ekonomide \u00f6zellikle nisan ay\u0131ndan sonra at\u0131lan do\u011fru ad\u0131mlar\u0131n h\u0131zlanaca\u011f\u0131, sanayi ve yeni yat\u0131r\u0131mlar\u0131n desteklendi\u011fi bir ekonominin olu\u015faca\u011f\u0131 y\u00f6n\u00fcnde.\u201d<\/em><\/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. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunun (BDDK) verilerine g\u00f6re, kredi bor\u00e7lanmalar\u0131\u00a0ge\u00e7en y\u0131la g\u00f6re y\u00fczde 54 artt\u0131. Bu art\u0131\u015f, T\u00fcrkiye \u0130statistik Kurumunun (T\u00dc\u0130K) a\u00e7\u0131klad\u0131\u011f\u0131 […]<\/p>\n","protected":false},"author":1,"featured_media":183369,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[53],"tags":[16479,12625,108730,112063,61639],"views":21,"_links":{"self":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/183366"}],"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=183366"}],"version-history":[{"count":0,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/183366\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media\/183369"}],"wp:attachment":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media?parent=183366"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/categories?post=183366"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/tags?post=183366"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}