{"id":2443,"date":"2025-12-02T08:45:00","date_gmt":"2025-12-02T08:45:00","guid":{"rendered":"https:\/\/haberadmin.com\/?p=2443"},"modified":"2025-12-02T08:45:00","modified_gmt":"2025-12-02T08:45:00","slug":"bankalarda-ihtiyac-kredisi-yarisi-en-dusuk-maliyet-hangisi","status":"publish","type":"post","link":"https:\/\/haberadmin.com\/?p=2443","title":{"rendered":"Bankalarda ihtiya\u00e7 kredisi yar\u0131\u015f\u0131: En d\u00fc\u015f\u00fck maliyet hangisi?"},"content":{"rendered":"

Y\u0131l\u0131n son ay\u0131na girilirken bankalar\u0131n uygulad\u0131\u011f\u0131 ihtiya\u00e7 kredisi faizlerinde bu hafta herhangi bir d\u00fc\u015f\u00fc\u015f ya\u015fanmad\u0131. T\u00fcketicilerin \u201cen uygun ihtiya\u00e7 kredisi\u201d aray\u0131\u015f\u0131 s\u00fcrerken 12 ay vadeli kredilerde en d\u00fc\u015f\u00fck oran %2,79 d\u00fczeyinde korunuyor. Uzmanlar, toplam faiz y\u00fck\u00fcn\u00fcn %25,6 seviyesine kadar gerilemesinin son iki y\u0131l\u0131n en d\u00fc\u015f\u00fck oranlar\u0131 oldu\u011funa dikkat \u00e7ekiyor.<\/p>\n

KRED\u0130 HACM\u0130NDE ARTI\u015e DEVAM ED\u0130YOR<\/strong><\/p>\n

BDDK verilerine g\u00f6re 21 Kas\u0131m haftas\u0131nda ihtiya\u00e7 kredilerinin toplam hacmi 2 trilyon 54 milyar TL\u2019ye y\u00fckseldi. Haftal\u0131k art\u0131\u015f yakla\u015f\u0131k 7 milyar TL olurken bu rakam, bir \u00f6nceki haftada g\u00f6r\u00fclen 41 milyar TL\u2019lik y\u00fckseli\u015fin olduk\u00e7a alt\u0131nda kald\u0131. Ekonomistler, kredi kullan\u0131m\u0131ndaki h\u0131z kesilmesinin faiz beklentileriyle ba\u011flant\u0131l\u0131 oldu\u011funa i\u015faret ediyor.<\/p>\n

EN UCUZ \u0130HT\u0130YA\u00c7 KRED\u0130LER\u0130 (2 ARALIK 2025)<\/strong><\/p>\n

Bankalarda g\u00fcncel ihtiya\u00e7 kredisi faizlerinin da\u011f\u0131l\u0131m\u0131 \u015f\u00f6yle:<\/p>\n

Alternatif Bank: %2,79<\/p>\n

QNB: %2,99<\/p>\n

TEB: %2,99<\/p>\n

ON Dijital: %3,29<\/p>\n

Yap\u0131 Kredi: %3,49<\/p>\n

Denizbank: %3,61<\/p>\n

ING Bank: %3,64<\/p>\n

T\u00fcrkiye Finans: %3,65<\/p>\n

Uzmanlara g\u00f6re k\u0131sa vadede bankalardan geni\u015f kapsaml\u0131 bir faiz indirimi beklenmiyor.<\/p>\n

150 B\u0130N TL KRED\u0130N\u0130N GER\u0130 \u00d6DEMES\u0130 NE KADAR?<\/strong><\/p>\n

En d\u00fc\u015f\u00fck faiz oran\u0131 olan %2,79\u2019a g\u00f6re 150 bin TL\u2019lik ihtiya\u00e7 kredisinin 12 ayl\u0131k geri \u00f6deme hesab\u0131 \u015f\u00f6yle:<\/p>\n

Kredi Tutar\u0131: 150.000 TL<\/p>\n

Faiz Oran\u0131: %2,79<\/p>\n

Vade: 12 ay<\/p>\n

Ayl\u0131k Taksit: 15.639 TL<\/p>\n

Toplam Geri \u00d6deme: 188.416 TL<\/p>\n

Ekonomistlere g\u00f6re faizlerde olas\u0131 bir indirim, \u00f6n\u00fcm\u00fczdeki aylarda kredi maliyetlerine daha belirgin \u015fekilde yans\u0131yabilir.<\/p>\n

\"Bankalarda<\/p>\n

T\u00dcFE VER\u0130S\u0130 VE TCMB KARARI BEL\u0130RLEY\u0130C\u0130 OLACAK<\/strong><\/p>\n

G\u00f6zler \u015fimdi kas\u0131m ay\u0131 T\u00dcFE verisine \u00e7evrildi. Beklentiler, verinin %1,3 civar\u0131nda gelece\u011fi y\u00f6n\u00fcnde. Bu seviyede ger\u00e7ekle\u015fmesi durumunda son 11 ay\u0131n en d\u00fc\u015f\u00fck enflasyon oran\u0131 g\u00f6r\u00fclm\u00fc\u015f olacak. Ekonomistler, bu verinin TCMB\u2019nin 11 Aral\u0131k\u2019taki toplant\u0131s\u0131nda faiz indirimi ihtimalini art\u0131rabilece\u011fini belirtiyor.<\/p>\n

T\u00dcKET\u0130C\u0130LER \u0130\u00c7\u0130N UZMAN TAVS\u0130YES\u0130<\/strong><\/p>\n

Piyasa analistleri, faizlerde d\u00fc\u015f\u00fc\u015f beklentisinin g\u00fc\u00e7lendi\u011fi bu d\u00f6nemde t\u00fcketicilerin:<\/p>\n

daha k\u0131sa vadeli,<\/p>\n

daha d\u00fc\u015f\u00fck tutarl\u0131,<\/p>\n

ve zorunlu ihtiya\u00e7lara y\u00f6nelik kredileri tercih etmelerinin
daha do\u011fru bir strateji olaca\u011f\u0131n\u0131 ifade ediyor.<\/p>\n

Politika faizinde ya\u015fanabilecek d\u00fc\u015f\u00fc\u015flerin ilerleyen aylarda daha uygun kredi oranlar\u0131na kap\u0131 aralayabilece\u011fi belirtiliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"

Y\u0131l\u0131n son ay\u0131na girilirken bankalar\u0131n uygulad\u0131\u011f\u0131 ihtiya\u00e7 kredisi faizlerinde bu hafta herhangi bir d\u00fc\u015f\u00fc\u015f ya\u015fanmad\u0131….<\/p>\n","protected":false},"author":1,"featured_media":2444,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2443","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gundem"],"_links":{"self":[{"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/posts\/2443","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2443"}],"version-history":[{"count":0,"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/posts\/2443\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/media\/2444"}],"wp:attachment":[{"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2443"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2443"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2443"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}