{"id":185625,"date":"2024-03-12T16:52:22","date_gmt":"2024-03-12T13:52:22","guid":{"rendered":"https:\/\/www.enerjigazetesi.ist\/?p=185625"},"modified":"2024-03-12T16:52:22","modified_gmt":"2024-03-12T13:52:22","slug":"bireysel-kredi-karti-borclanmalari-yuzde-153-artti","status":"publish","type":"post","link":"https:\/\/www.enerjigazetesi.ist\/en\/bireysel-kredi-karti-borclanmalari-yuzde-153-artti\/","title":{"rendered":"(Turkish) Bireysel Kredi Kart\u0131 Bor\u00e7lanmalar\u0131 Y\u00fczde 153 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

Kredi kart\u0131 kullan\u0131m\u0131na k\u0131s\u0131tlama getirilip getirilmeyece\u011fi tart\u0131\u015fmalar\u0131 g\u00fcndemdeki yerini korurken, encazip.com bireysel kredi kart\u0131 kullan\u0131m\u0131ndaki son durumu ara\u015ft\u0131rd\u0131. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunun (BDDK) verilerine g\u00f6re, bireysel kredi kart\u0131 bor\u00e7lanmalar\u0131\u00a0ge\u00e7en y\u0131la g\u00f6re y\u00fczde 153 artt\u0131. Kar\u015f\u0131la\u015ft\u0131rma sitesi encazip.com\u2019un yapt\u0131\u011f\u0131 ara\u015ft\u0131rmada, bireysel kredi kart\u0131 bor\u00e7lanmalar\u0131n\u0131n, 23 \u015eubat\u2019ta a\u00e7\u0131klanan verilere g\u00f6re 1 trilyon 274 milyar TL seviyesine y\u00fckseldi\u011fi g\u00f6r\u00fcld\u00fc. Ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6neminde bu rakam 503 milyar TL idi.<\/h2>\n

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2024\u2019te de Kredi Kart\u0131 Kullan\u0131m\u0131 Artmaya Devam Etti<\/strong><\/h3>\n

Vatanda\u015flar yeni y\u0131l\u0131n ilk iki ay\u0131nda da kredi kart\u0131 kullan\u0131m\u0131na devam etti. Ancak artan faiz oranlar\u0131na paralel olarak kredi kart\u0131 kullan\u0131m\u0131nda taksitli al\u0131\u015fveri\u015flerin tutar\u0131ndaki art\u0131\u015f, taksitsiz kredi kart\u0131 kullan\u0131m\u0131n\u0131n alt\u0131nda kald\u0131. Ancak dip toplamda hem taksitli hem de taksitsiz kredi kart\u0131 kullan\u0131mlar\u0131 artt\u0131. Bu art\u0131\u015f \u015fubat ay\u0131 verilerine de yans\u0131d\u0131. BDDK verilerine g\u00f6re, bu y\u0131l\u0131n sekizinci haftas\u0131nda bireysel kredi kart\u0131 bor\u00e7lanmalar\u0131 1 trilyon 274 milyar TL oldu. Bunun 562 milyar TL\u2019sini taksitli, 712 milyar TL\u2019sini taksitsiz bor\u00e7lanmalar olu\u015fturdu. 2023\u2019te toplam bor\u00e7lanma 503 milyar TL iken, bunun 258 milyar TL\u2019sini taksitli bor\u00e7lanmalar, 245 milyar TL\u2019sini taksitsiz bor\u00e7lanmalar olu\u015fturmu\u015ftu. Yani taksitli kredi kart\u0131 kullan\u0131mlar\u0131 y\u00fczde 117<\/strong> artarken taksitsiz kredi kart\u0131 bor\u00e7lanmalar\u0131 y\u00fczde 190<\/strong> artt\u0131.<\/p>\n

Kurumsal Kredi Kart\u0131 Bor\u00e7lanmalar\u0131 Artt\u0131<\/strong><\/h3>\n

Sadece bireysel kredi kart\u0131 kullan\u0131m\u0131nda art\u0131\u015f ya\u015fanmad\u0131. Kurumsal kredi kart\u0131 bor\u00e7lanmalar\u0131nda da bu y\u0131l art\u0131\u015f ya\u015fand\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc. 2023\u2019te 241 milyar TL olan kurumsal kredi kart\u0131 bor\u00e7lanmalar\u0131, bu y\u0131l 439 milyar TL\u2019ye y\u00fckseldi. Bunun 185 milyar TL\u2019sini taksitli bor\u00e7lanmalar, 254 milyar TL\u2019sini taksitsiz bor\u00e7lanmalar olu\u015fturdu. Veriler ge\u00e7en y\u0131la g\u00f6re, y\u00fczde 82 oran\u0131nda bir art\u0131\u015f ya\u015fand\u0131\u011f\u0131n\u0131 ortaya koydu. 2023\u2019te 241 milyar TL olan toplam bor\u00e7lanman\u0131n ise 136 milyar TL\u2019sini taksitli bor\u00e7lanmalar, 105 milyar TL\u2019sini taksitsiz bor\u00e7lanmalar olu\u015fturmu\u015ftu.<\/p>\n

“Vatanda\u015flar \u0130htiya\u00e7lar\u0131 \u0130\u00e7in Kredi Kart\u0131na Y\u00f6neliyor\u201d<\/strong><\/h3>\n

Bireysel kredi kart\u0131 bor\u00e7lanmalar\u0131ndaki bu durumu\u00a0yorumlayan encazip.com kurucusu ve tasarruf uzman\u0131 \u00c7a\u011fada K\u0131r\u0131m, \u015funlar\u0131 s\u00f6yledi:<\/p>\n

\u201cSon d\u00f6nemlerde kamuoyunda kredi kart\u0131nda bir\u00e7ok \u00fcr\u00fcn grubunda taksitlerin kald\u0131r\u0131laca\u011f\u0131 ya da azalt\u0131laca\u011f\u0131, asgari \u00f6deme tutar\u0131n\u0131n y\u00fczde olarak art\u0131r\u0131laca\u011f\u0131 ve kredi kart\u0131 limitlerinin d\u00fc\u015f\u00fcr\u00fclece\u011fi gibi konular yer al\u0131yor. Ancak Hazine ve Maliye Bakan\u0131 Say\u0131n Mehmet \u015eim\u015fek\u2019in \u201ckredi kartlar\u0131 ile ilgili bir s\u00fcrpriz olmayacak\u201d a\u00e7\u0131klamas\u0131n\u0131n t\u00fcketiciler nezdinde etkili oldu\u011fu ve taksitli harcamalar\u0131n taksitsizlerin yan\u0131nda \u00e7ok daha d\u00fc\u015f\u00fck kalmas\u0131, t\u00fcketicilerin dedikodulara itibar etmedi\u011fini bilhassa ekonomi y\u00f6netimine g\u00fcven duydu\u011funu g\u00f6stermi\u015f oldu. Ancak di\u011fer taraftan kredi kartl\u0131 harcamalar\u0131n\u0131n bu denli artmas\u0131 vatanda\u015flar\u0131n harcamalar\u0131n\u0131 en az\u0131ndan kredi kart\u0131 ekstre s\u00fcreleri kadar \u00f6teleme ihtiyac\u0131 hissetti\u011fi anlam\u0131nda yorumlanabilir.\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. Kredi kart\u0131 kullan\u0131m\u0131na k\u0131s\u0131tlama getirilip getirilmeyece\u011fi tart\u0131\u015fmalar\u0131 g\u00fcndemdeki yerini korurken, encazip.com bireysel kredi kart\u0131 kullan\u0131m\u0131ndaki son durumu ara\u015ft\u0131rd\u0131. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme […]<\/p>\n","protected":false},"author":1,"featured_media":185627,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[53],"tags":[112882,112881,63920,112884,86713,112883],"views":23,"_links":{"self":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/185625"}],"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=185625"}],"version-history":[{"count":0,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/185625\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media\/185627"}],"wp:attachment":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media?parent=185625"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/categories?post=185625"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/tags?post=185625"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}