{"id":83712,"date":"2024-10-04T08:36:08","date_gmt":"2024-10-04T08:36:08","guid":{"rendered":"https:\/\/ekamu.net\/?p=83712"},"modified":"2024-10-04T08:36:08","modified_gmt":"2024-10-04T08:36:08","slug":"son-ceyrekte-konut-ve-tasit-kredilerinde-ne-bekleniyor","status":"publish","type":"post","link":"https:\/\/ekamu.net\/index.php\/2024\/10\/04\/son-ceyrekte-konut-ve-tasit-kredilerinde-ne-bekleniyor\/","title":{"rendered":"Son \u00e7eyrekte konut ve ta\u015f\u0131t kredilerinde ne bekleniyor?"},"content":{"rendered":"<div>\n<p>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) &#8216;2024 \u00dc\u00e7\u00fcnc\u00fc \u00c7eyrek Banka Kredileri E\u011filim Anketi&#8217;ni yay\u0131mlad\u0131.<\/p>\n<p>Aktif b\u00fcy\u00fckl\u00fckleri dikkate al\u0131narak belirlenen 16 bankaya uygulanan anketin sonu\u00e7lar\u0131na g\u00f6re, bankalar\u0131n i\u015fletmelere kulland\u0131rd\u0131klar\u0131 kredilere uygulad\u0131klar\u0131 standartlar\u0131 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte de s\u0131k\u0131la\u015ft\u0131rmaya devam etti\u011fi belirtildi.<\/p>\n<p>Ankete g\u00f6re kredi t\u00fcrlerine uygulanan standartlarda bu d\u00f6nemde s\u0131k\u0131la\u015fma g\u00f6zlendi. \u00dc\u00e7\u00fcnc\u00fc \u00e7eyrekte t\u00fcm bireysel kredi t\u00fcrlerine uygulanan standartlarda s\u0131k\u0131la\u015fman\u0131n devam etti\u011fi g\u00f6r\u00fcld\u00fc.<\/p>\n<p>Ankete g\u00f6re, i\u015fletmelere verilen kredi talebindeki d\u00fc\u015f\u00fc\u015f \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte zay\u0131flayarak devam etti. 2024&#8217;\u00fcn son \u00e7eyre\u011fi i\u00e7in bankalar\u0131n beklentisi, i\u015fletmelere verilen kredilere uygulanan standartlardaki s\u0131k\u0131la\u015fman\u0131n zay\u0131flayarak da olsa devam edece\u011fi y\u00f6n\u00fcnde oldu. <\/p>\n<p> Talep a\u00e7\u0131s\u0131ndan bak\u0131ld\u0131\u011f\u0131nda ise D\u00f6viz cinsinden a\u00e7\u0131lan krediler d\u0131\u015f\u0131ndaki t\u00fcm kredilere olan talepte azal\u0131\u015f ger\u00e7ekle\u015fti. Son \u00e7eyrekte de i\u015fletmelere verilen kredilere olan talepteki azal\u0131\u015f\u0131n zay\u0131flayarak devam etmesi bekleniyor. <\/p>\n<p><b><strong>Konut ve ta\u015f\u0131t kredilerinde gev\u015feme beklentisi <\/strong><\/b><\/p>\n<p>Konut ve ta\u015f\u0131t kredileri i\u00e7inse bankalar\u0131n son \u00e7eyrek beklentisi, konut kredilerine uygulanan standartlar\u0131n gev\u015femeye ba\u015flayaca\u011f\u0131, ta\u015f\u0131t kredilerine uygulanan standartlardaki s\u0131k\u0131la\u015fma seyrinin sona erece\u011fi y\u00f6n\u00fcnde oldu. Bankalar di\u011fer bireysel kredi t\u00fcrlerine uygulanan standartlardaki s\u0131k\u0131la\u015fma seyrinin ise devam etmesini bekliyor.<\/p>\n<\/div>\n<div>\n<p>\u00dc\u00e7\u00fcnc\u00fc \u00e7eyrekte konut ve di\u011fer bireysel kredi talebindeki azal\u0131\u015f seyri yerini art\u0131\u015fa, ta\u015f\u0131t kredi talebinde bir \u00f6nceki \u00e7eyrekte g\u00f6r\u00fclen art\u0131\u015f ise yerini tekrar azal\u0131\u015fa b\u0131rakt\u0131. 2024 y\u0131l\u0131n\u0131n son \u00e7eyre\u011fi i\u00e7in bankalar\u0131n beklentisi, konut ve di\u011fer bireysel kredi talebindeki art\u0131\u015f\u0131n devam edece\u011fi, ta\u015f\u0131t kredi talebindeki azal\u0131\u015f\u0131n ise tekrar art\u0131\u015fa d\u00f6nece\u011fi y\u00f6n\u00fcnde oldu.<\/p>\n<p>Bankalar\u0131n fon sa\u011flama imk\u00e2nlar\u0131n\u0131n geli\u015fimi incelendi\u011finde, 2024 y\u0131l\u0131n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde yurt i\u00e7i fonlama ko\u015fullar\u0131nda s\u0131k\u0131la\u015fma y\u00f6nl\u00fc, yurt d\u0131\u015f\u0131 fonlama ko\u015fullar\u0131nda ise gev\u015feme y\u00f6nl\u00fc seyrin devam etti\u011fi g\u00f6r\u00fcld\u00fc. 2024 y\u0131l\u0131n\u0131n son \u00e7eyre\u011fi i\u00e7in, yurt i\u00e7i fonlama ko\u015fullar\u0131ndaki s\u0131k\u0131la\u015fman\u0131n yerini gev\u015femeye b\u0131rakaca\u011f\u0131, yurt d\u0131\u015f\u0131 fonlama ko\u015fullar\u0131ndaki gev\u015femenin ise g\u00fc\u00e7lenerek devam edece\u011fi beklenmektedir.<\/p>\n<\/div>\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>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131&#8217;n\u0131n Banka Kredileri E\u011filim Anketi&#8217;ne g\u00f6re son \u00e7eyrekte konut kredilerine uygulanan standartlar\u0131n gev\u015femeye ba\u015flamas\u0131, ta\u015f\u0131t kredilerine uygulanan standartlardaki s\u0131k\u0131la\u015fma seyrinin ise sona ermesi bekleniyor&#8230;.<\/p>\n","protected":false},"author":1,"featured_media":83713,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[2741,48,663,2739,4954],"class_list":["post-83712","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-azalis","tag-banka","tag-kredi","tag-sikilasma","tag-tasit-kredi"],"_links":{"self":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/83712","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=83712"}],"version-history":[{"count":1,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/83712\/revisions"}],"predecessor-version":[{"id":83714,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/83712\/revisions\/83714"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media\/83713"}],"wp:attachment":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media?parent=83712"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/categories?post=83712"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/tags?post=83712"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}