{"id":5269,"date":"2026-02-16T07:52:00","date_gmt":"2026-02-16T07:52:00","guid":{"rendered":"https:\/\/haberadmin.com\/?p=5269"},"modified":"2026-02-16T07:52:00","modified_gmt":"2026-02-16T07:52:00","slug":"ihtiyac-kredisinde-faizler-dibi-gordu","status":"publish","type":"post","link":"https:\/\/haberadmin.com\/?p=5269","title":{"rendered":"\u0130htiya\u00e7 kredisinde faizler dibi g\u00f6rd\u00fc!"},"content":{"rendered":"<p>Piyasalar\u0131n yak\u0131ndan takip etti\u011fi T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) Enflasyon Raporu sonras\u0131 kredi piyasas\u0131nda hareketlilik ba\u015flad\u0131. Bir s\u00fcredir y\u00fckseli\u015f e\u011filiminde olan ihtiya\u00e7 kredisi faiz oranlar\u0131nda a\u015fa\u011f\u0131 y\u00f6nl\u00fc g\u00fcncellemeler dikkat \u00e7ekti.Ge\u00e7ti\u011fimiz haftalarda en d\u00fc\u015f\u00fck oran %2,99 seviyesindeyken, 16 \u015eubat 2026 itibar\u0131yla bu oran %2,79\u2019a kadar geriledi.<\/p>\n<p>Bu d\u00fc\u015f\u00fc\u015f, \u00f6zellikle nakit ihtiyac\u0131 olan vatanda\u015flar\u0131n kredi maliyetlerini yeniden hesaplamas\u0131na neden oldu.<\/p>\n<p><strong>BANKA BANKA EN UCUZ \u0130HT\u0130YA\u00c7 KRED\u0130LER\u0130:<\/strong><\/p>\n<p>Alternatif Bank: %2,79<\/p>\n<p>TEB: %2,99<\/p>\n<p>ING: %3,29<\/p>\n<p>ON Dijital: %3,29<\/p>\n<p>Yap\u0131 Kredi: %3,49<\/p>\n<p>Enpara: %3,49<\/p>\n<p>Getir Finans: %3,49<\/p>\n<p>DenizBank: %3,61<\/p>\n<p>QNB Finansbank: %3,64<\/p>\n<p><strong>250 B\u0130N TL\u2019N\u0130N AYLIK TAKS\u0130T\u0130 NE KADAR?<\/strong><\/p>\n<p>En d\u00fc\u015f\u00fck oran olan %2,79 \u00fczerinden yap\u0131lan hesaplamaya g\u00f6re:<\/p>\n<p>Kredi tutar\u0131: 250 bin TL<\/p>\n<p>Vade: 12 ay<\/p>\n<p>Faiz oran\u0131: %2,79<\/p>\n<p>Ayl\u0131k taksit: 26 bin 65 TL<\/p>\n<p>Toplam geri \u00f6deme: 312 bin 777 TL<\/p>\n<p>Kredi tahsis \u00fccreti: 1.250 TL<\/p>\n<p>Bu tabloya g\u00f6re 250 bin TL kredi \u00e7eken bir vatanda\u015f, 12 ay sonunda toplamda 312 bin 777 TL geri \u00f6deme yap\u0131yor.<\/p>\n<p>TCMB Ba\u015fkan\u0131 Fatih Karahan ise faiz indirimi konusunda temkinli mesajlar verdi. Karahan, mevcut enflasyon g\u00f6r\u00fcn\u00fcm\u00fcne g\u00f6re k\u0131sa vadede faiz indirimi ad\u0131m\u0131n\u0131n b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn artmas\u0131 i\u00e7in e\u015fik seviyenin y\u00fcksek oldu\u011funu belirtti. Ancak piyasada mart ay\u0131nda \u201c\u00f6l\u00e7\u00fcl\u00fc bir faiz indirimi\u201d ihtimali g\u00fc\u00e7lenmi\u015f durumda.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"\u0130htiya\u00e7 kredisinde faizler dibi g\u00f6rd\u00fc!\" class=\"mx-auto max-w-full h-auto shadow-sm\" height=\"653\" src=\"https:\/\/www.urfahaber.com\/images\/uploads\/2026\/02\/lkt-shash-2026-02-16-111109-6992d1fb1f9dd.png\" width=\"1200\" \/><\/p>\n<p><strong>KRED\u0130LERDE YEN\u0130 D\u00d6NEM M\u0130?<\/strong><\/p>\n<p>Merkez Bankas\u0131\u2019n\u0131n ataca\u011f\u0131 ad\u0131mlar kredi faizleri \u00fczerinde belirleyici olmaya devam edecek. \u015eimdilik bankalar kampanyalar kapsam\u0131nda s\u0131n\u0131rl\u0131 da olsa faiz indirimlerine gitmeye ba\u015flad\u0131.<\/p>\n<p>\u00d6n\u00fcm\u00fczdeki s\u00fcre\u00e7te enflasyon verileri ve TCMB kararlar\u0131, ihtiya\u00e7 kredisi faizlerinin y\u00f6n\u00fcn\u00fc belirleyecek.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Piyasalar\u0131n yak\u0131ndan takip etti\u011fi T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) Enflasyon Raporu sonras\u0131 kredi piyasas\u0131nda hareketlilik&#8230;<\/p>\n","protected":false},"author":1,"featured_media":5270,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5269","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\/5269","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=5269"}],"version-history":[{"count":0,"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/posts\/5269\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/media\/5270"}],"wp:attachment":[{"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5269"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5269"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5269"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}