Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), kredi kart\u0131 limitleri, bor\u00e7 yap\u0131land\u0131rmalar\u0131 ve konut kredilerine ili\u015fkin yeni makro ihtiyati ad\u0131mlar\u0131 kamuoyuyla payla\u015ft\u0131. Yap\u0131lan d\u00fczenlemelerle 400 bin liran\u0131n alt\u0131ndaki kredi kart\u0131 limitlerinin korunaca\u011f\u0131 belirtilirken, al\u0131nan \u00f6nlemlerin t\u00fcketiciyi koruma ve finansal istikrar\u0131 g\u00fc\u00e7lendirme amac\u0131 ta\u015f\u0131d\u0131\u011f\u0131 vurguland\u0131.<\/p>\n\n\n\n
Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), 30 Ocak’ta kamuoyuyla payla\u015f\u0131lan makro ihtiyati \u00f6nlemlerin daha iyi anla\u015f\u0131lmas\u0131 amac\u0131yla kapsaml\u0131 bir a\u00e7\u0131klama yapt\u0131. Kurum, al\u0131nan kararlar\u0131n finansal istikrar\u0131 g\u00fc\u00e7lendirmeyi ve t\u00fcketiciyi korumay\u0131 hedefledi\u011fini vurgulad\u0131.<\/p>\n\n\n\n
BDDK, s\u00f6z konusu d\u00fczenlemelerin; Sanal Ortamda Yasa D\u0131\u015f\u0131 Bahis, \u015eans Oyunlar\u0131 ve Kumarla M\u00fccadele Eylem Plan\u0131, Finansal \u0130stikrar Komitesi de\u011ferlendirmeleri ve Hazine ve Maliye Bakanl\u0131\u011f\u0131 ile TCMB koordinasyonunda hayata ge\u00e7irildi\u011fini bildirdi. \u00d6nlemlerin temel amac\u0131n\u0131n t\u00fcketicinin korunmas\u0131, alt gelir gruplar\u0131n\u0131n desteklenmesi ve finansal sistemin g\u00fc\u00e7lendirilmesi oldu\u011fu belirtildi.<\/p>\n\n\n\n
A\u00e7\u0131klamada, kredi kart\u0131 limitlerine ili\u015fkin d\u00fczenlemenin, bireysel kullan\u0131c\u0131lar\u0131n gelirleriyle uyumlu harcama yapmalar\u0131n\u0131 sa\u011flamak ve s\u00fcrd\u00fcr\u00fclebilir \u00f6deme al\u0131\u015fkanl\u0131klar\u0131n\u0131 te\u015fvik etmek amac\u0131yla haz\u0131rland\u0131\u011f\u0131 ifade edildi.<\/p>\n\n\n\n
BDDK’n\u0131n payla\u015ft\u0131\u011f\u0131 Aral\u0131k 2025 verilerine g\u00f6re:<\/p>\n\n\n\n
Sekt\u00f6rde toplam 13,3 trilyon lira bireysel kredi kart\u0131 limiti bulunuyor.<\/p>\n\n\n\n
Bu limitlerin yaln\u0131zca y\u00fczde 21’i kullan\u0131l\u0131yor, y\u00fczde 79’u at\u0131l durumda.<\/p>\n\n\n\n
40,7 milyon kredi kart\u0131 kullan\u0131c\u0131s\u0131n\u0131n y\u00fczde 75’i, 400 bin liran\u0131n alt\u0131nda limite sahip.<\/p>\n\n\n\n
750 bin liran\u0131n alt\u0131nda limite sahip kullan\u0131c\u0131 oran\u0131 y\u00fczde 90 seviyesinde bulunuyor.<\/p>\n\n\n\n
BDDK, m\u00fc\u015fteri ma\u011fduriyetini \u00f6nlemek i\u00e7in son bir y\u0131l i\u00e7indeki harcamalar\u0131n dikkate al\u0131naca\u011f\u0131n\u0131 belirtti. 400 bin lira kredi kart\u0131 limiti olan kullan\u0131c\u0131lar\u0131n limitlerinde herhangi bir kesinti yap\u0131lmayaca\u011f\u0131 vurguland\u0131.<\/p>\n\n\n\n
A\u00e7\u0131klamada, bireysel kredi kart\u0131 kullan\u0131c\u0131lar\u0131n\u0131n gelirlerini belgelemeleri halinde, gelirlerinin 4 kat\u0131na kadar kredi kart\u0131 limiti kullanabilmelerinin \u00f6n\u00fcnde bir engel bulunmad\u0131\u011f\u0131 ifade edildi.<\/p>\n\n\n\n
Kredili Mevduat Hesab\u0131 (KMH) d\u00fczenlemesine ili\u015fkin b\u00f6l\u00fcmde ise, e\u011fitim \u00f6demeleri i\u00e7in tan\u0131nan KMH limitlerinin, getirilen s\u0131n\u0131rlamalardan muaf tutuldu\u011fu bildirildi.<\/p>\n\n\n\n
Bireysel kredi kart\u0131 bor\u00e7lar\u0131 ve ihtiya\u00e7 kredilerinin yeniden yap\u0131land\u0131r\u0131lmas\u0131na ili\u015fkin d\u00fczenlemeyle, finansal t\u00fcketicinin korunmas\u0131 ve \u00f6deme disiplininin sa\u011flanmas\u0131n\u0131n ama\u00e7land\u0131\u011f\u0131 kaydedildi. Kredi kartlar\u0131na y\u00f6nelik yap\u0131lan de\u011fi\u015fiklikle, s\u0131k yap\u0131land\u0131rmalar\u0131n \u00f6n\u00fcne ge\u00e7ilmesinin hedeflendi\u011fi belirtildi.<\/p>\n\n\n\n
Konut kredilerine ili\u015fkin d\u00fczenlemeyle, alt gelir gruplar\u0131n\u0131n ilk evlerini almalar\u0131n\u0131 kolayla\u015ft\u0131rmak amac\u0131yla birinci el\u2013ikinci el konut ayr\u0131m\u0131n\u0131n kald\u0131r\u0131ld\u0131\u011f\u0131 ve kredi de\u011fer oranlar\u0131nda d\u00fczenlemeye gidildi\u011fi a\u00e7\u0131kland\u0131.<\/p>\n\n\n\n
A\u00e7\u0131klaman\u0131n sonunda, al\u0131nan t\u00fcm kararlar\u0131n Finansal \u0130stikrar Komitesi \u00e7at\u0131s\u0131 alt\u0131nda, b\u00fct\u00fcnc\u00fcl bir yakla\u015f\u0131mla ve finansal istikrar\u0131n korunmas\u0131 amac\u0131yla hayata ge\u00e7irildi\u011fi vurguland\u0131.<\/p>\n\n\n\n
Kaynak: AA<\/p>\n\n\n\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), kredi kart\u0131 limitleri, bor\u00e7 yap\u0131land\u0131rmalar\u0131 ve konut kredilerine ili\u015fkin yeni makro ihtiyati ad\u0131mlar\u0131 kamuoyuyla payla\u015ft\u0131. Yap\u0131lan d\u00fczenlemelerle 400 bin liran\u0131n alt\u0131ndaki kredi kart\u0131 limitlerinin korunaca\u011f\u0131 belirtilirken, al\u0131nan \u00f6nlemlerin t\u00fcketiciyi koruma ve finansal istikrar\u0131 g\u00fc\u00e7lendirme amac\u0131 ta\u015f\u0131d\u0131\u011f\u0131 vurguland\u0131. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), 30 Ocak’ta kamuoyuyla payla\u015f\u0131lan makro ihtiyati […]<\/p>\n","protected":false},"author":1,"featured_media":9254,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[1325,3792,3793,3791,3795,596,3794],"class_list":["post-9253","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bddk","tag-borc-yapilandirma","tag-konut-kredi","tag-kredi-karti","tag-sans-oyunlari","tag-tcmb","tag-yasa-disi-bahis"],"_links":{"self":[{"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/posts\/9253","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/comments?post=9253"}],"version-history":[{"count":1,"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/posts\/9253\/revisions"}],"predecessor-version":[{"id":9255,"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/posts\/9253\/revisions\/9255"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/media\/9254"}],"wp:attachment":[{"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/media?parent=9253"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/categories?post=9253"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/tags?post=9253"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}