{"id":82370,"date":"2024-10-01T06:36:07","date_gmt":"2024-10-01T06:36:07","guid":{"rendered":"https:\/\/ekamu.net\/?p=82370"},"modified":"2024-10-01T06:36:07","modified_gmt":"2024-10-01T06:36:07","slug":"kredi-karti-ve-ihtiyac-kredisi-borclarinda-yapilandirma-imkani","status":"publish","type":"post","link":"https:\/\/ekamu.net\/index.php\/2024\/10\/01\/kredi-karti-ve-ihtiyac-kredisi-borclarinda-yapilandirma-imkani\/","title":{"rendered":"Kredi kart\u0131 ve ihtiya\u00e7 kredisi bor\u00e7lar\u0131nda yap\u0131land\u0131rma imkan\u0131"},"content":{"rendered":"<div>\n<p>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) ile Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) taraf\u0131ndan bireysel kredi kartlar\u0131na ili\u015fkin e\u015f g\u00fcd\u00fcml\u00fc ad\u0131mlar at\u0131ld\u0131.<\/p>\n<p>TCMB&#8217;nin Kredi Kart\u0131 \u0130\u015flemlerinde Uygulanacak Azami Faiz Oranlar\u0131 Hakk\u0131nda Tebli\u011f&#8217;de De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011fi Resmi Gazete&#8217;de, BDDK&#8217;nin konuya ili\u015fkin Kurul karar\u0131 da internet sitesinde yay\u0131mland\u0131.<\/p>\n<p>Buna g\u00f6re, BDDK, bireysel kredi kart\u0131 ve ihtiya\u00e7 kredisi borcunu \u00f6deyemeyenler i\u00e7in 60 aya kadar yap\u0131land\u0131rma imkan\u0131 getirdi.<\/p>\n<p>Bireysel kredi kartlar\u0131nda d\u00f6nem borcunun asgari tutar\u0131n\u0131 \u00f6deyemeyenler, mevcut kredi kart\u0131 bor\u00e7 bakiyelerini 60 aya kadar yap\u0131land\u0131rabilecek. Her aya d\u00fc\u015fen taksit tutar\u0131, ilgili ay\u0131n asgari \u00f6deme tutar\u0131na eklenecek. Yap\u0131land\u0131r\u0131lan kredi kart\u0131 borcunun en az yar\u0131s\u0131 \u00f6deninceye kadar ilgili bankadaki kredi kart\u0131 limiti art\u0131r\u0131lamayacak. <\/p>\n<\/div>\n<div>\n<p>TCMB de bireysel kredi kartlar\u0131nda yap\u0131land\u0131rmada kullan\u0131lacak azami faiz oran\u0131n\u0131 referans faiz olan y\u00fczde 3,11 ile s\u0131n\u0131rland\u0131rd\u0131.<\/p>\n<p>\u0130htiya\u00e7 kredileri ise anapara ve faiz \u00f6demelerinin 30 g\u00fcnden fazla gecikmesi halinde ilave kredi olmadan 60 aya kadar yap\u0131land\u0131r\u0131labilecek. Bor\u00e7lunun 1 y\u0131l i\u00e7inde yap\u0131land\u0131rma i\u00e7in ba\u015fvurmas\u0131 gerekiyor.<\/p>\n<p>&#8211; Asgari \u00f6deme oran\u0131nda limite g\u00f6re de\u011fi\u015fikli\u011fe gidildi<\/p>\n<p>BDDK, kredi kartlar\u0131nda asgari \u00f6deme oran\u0131nda da de\u011fi\u015fikli\u011fe gitti.<\/p>\n<p>D\u00f6nem borcunun y\u00fczde 20&#8217;si olan asgari \u00f6deme oran\u0131nda s\u0131n\u0131r tutar, 25 bin liradan 50 bin liraya \u00e7\u0131kar\u0131ld\u0131. 50 bin lira ve <b>alt\u0131nda<\/b> olan kredi kartlar\u0131 i\u00e7in asgari \u00f6deme oran\u0131 d\u00f6nem borcunun y\u00fczde 20&#8217;si olurken, 50 bin lira ve \u00fczerinde olanlarda y\u00fczde 40 olarak uygulanacak.<\/p>\n<p>BDDK&#8217;nin ad\u0131mlar\u0131yla uyumlu \u015fekilde TCMB, bireysel kredi kartlar\u0131na uygulanan azami akdi faiz oranlar\u0131n\u0131 kredi kart\u0131 d\u00f6nem borcuna g\u00f6re referans orana ba\u011fl\u0131 olarak farkl\u0131la\u015ft\u0131rd\u0131. Bu kapsamda belirlenecek oranlar 24 Ekim&#8217;de a\u00e7\u0131klanacak ve 1 Kas\u0131m&#8217;da y\u00fcr\u00fcrl\u00fc\u011fe girecek.<\/p>\n<p>Referans oran\u0131n ayn\u0131 kalmas\u0131 halinde azami akdi faiz oranlar\u0131; d\u00f6nem borcu 25 bin liran\u0131n alt\u0131nda olan kredi kartlar\u0131 i\u00e7in y\u00fczde 3,50, 25 bin-150 bin lira olan kredi kartlar\u0131nda y\u00fczde 4,25 ve 150 bin liran\u0131n \u00fczerinde olan kredi kartlar\u0131nda y\u00fczde 4,75 olacak.<\/p>\n<p>Kredi kartlar\u0131 vas\u0131tas\u0131yla nakit \u00e7ekim\/kullan\u0131m azami akdi faiz oran\u0131 ise y\u00fczde 5 seviyesinde korundu.<\/p>\n<\/div>\n<\/p>\n<p><\/p>\n<p>Kaynak :\u00a0<span style=\"background-color: rgb(255, 249, 236); color: rgb(55, 58, 60); font-size: 14px;\">Bloomberg HT<\/span><\/p>\n<p><span style=\"display: block; width: 343.125px; color: rgb(55, 58, 60); font-size: 14px; background-color: rgb(255, 249, 236);\"><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BDDK, bireysel kredi kart\u0131 ve ihtiya\u00e7 kredisi borcunu \u00f6deyemeyenler i\u00e7in 60 aya kadar yap\u0131land\u0131rma imkan\u0131 getirdi.<\/p>\n","protected":false},"author":1,"featured_media":82371,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[720,4844,1131,1656,4845],"class_list":["post-82370","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-azami","tag-bireysel","tag-faiz","tag-kredi-karti","tag-kredi-kartlari"],"_links":{"self":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/82370","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/comments?post=82370"}],"version-history":[{"count":1,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/82370\/revisions"}],"predecessor-version":[{"id":82372,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/82370\/revisions\/82372"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media\/82371"}],"wp:attachment":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media?parent=82370"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/categories?post=82370"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/tags?post=82370"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}